TOWN
TowneBank
NasdaqGSUSDEQUITY
Financial Services
DELAYED
Neutral
+3/100
Last price
35.41
▼ 0.43 (1.20%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
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Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
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Range —
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vs
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Open
—
Prev close
35.84
Day high
36.01
Day low
35.35
Volume
749.63K
Market cap
$3.27B
P/E (TTM)
17.79
52W range
31.91 – 39.03
Trailing performance
Returnvs SPY
1W
-1.14%
-3.1%
1M
-5.82%
-7.0%
3M
-0.06%
-4.6%
6M
+4.02%
-14.2%
YTD
+6.11%
-8.1%
1Y
+2.85%
-13.6%
3Y
+54.43%
-27.8%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on TOWN open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
+48.49K
Net buying
Buy transactions
98
50.07K shares
Sell transactions
4
1.58K shares
Net transactions
+102
Buys less sells
Sell : buy shares
0.0 : 1
Mixed
Insider-held shares
5.22M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Sep 2, 26 | WITT ALAN S Director |
SELL | 26 | $936 | Direct |
| Sep 1, 26 | FLY KEVIN L Officer |
CONVERSION | 1.72K | $61.96K | Direct |
| Aug 17, 26 | CLARK ROBERT LEE PH.D. Chief Operating Officer |
STOCK | 3 | $0 | Direct |
| Jul 22, 26 | ASTON G ROBERT JR Officer and Director |
STOCK | 3 | $108 | |
| Jul 14, 26 | NORMENT THOMAS K JR. Director |
STOCK | 380 | $0 | Direct |
| Jul 10, 26 | ASTON G ROBERT JR Officer and Director |
STOCK | 6 | $216 | |
| Jul 10, 26 | OWENS R V III Director |
STOCK | 179 | $6.44K | Direct |
| Jul 10, 26 | OWENS R V III Director |
STOCK | 24 | $864 | Direct |
| Jul 10, 26 | LESTER HARRY T Director |
STOCK | 132 | $4.75K | Direct |
| Jul 10, 26 | LAYNE AUBREY L JR Director |
STOCK | 118 | $4.25K | Direct |
| Jul 10, 26 | PERRY CHRISTOPHER J Director |
STOCK | 29 | $1.04K | Indirect |
| Jul 10, 26 | MONTERO JUAN M II Director |
STOCK | 172 | $6.19K | Direct |
| Jul 10, 26 | FINE ANDREW S Director |
STOCK | 336 | $12.10K | Direct |
| Jul 10, 26 | ROBINETT PAUL WARDJR Director |
STOCK | 27 | $972 | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
ASTON G ROBERT JR |
Officer and Director | — | Stock Award(Grant) |
ELLIS DOUGLAS D |
Director | 166.43K | Purchase |
FINE ANDREW S |
Director | 165.97K | Stock Award(Grant) |
G ROBIN PERKINS III |
Director | 188.03K | Purchase |
JONES STEVEN W |
President | 276.39K | Stock Award(Grant) |
LAWSON JOHN R. II |
Director | 435.99K | Stock Award(Grant) |
LEWIS WILLIAM ASHTON |
Director | 170.85K | Purchase |
LITTREAL WILLIAM B |
Director | — | Stock Award(Grant) |
MORRISON WILLIAM T |
Chief Executive Officer | 182.85K | Purchase |
ROBINETT PAUL WARDJR |
Director | 188.05K | Stock Award(Grant) |
Fundamentals
Market cap$3.27B
Enterprise value$3.47B
Revenue (TTM)$1.12B
Gross profit$1.12B
EBITDA—
Net income$319.10M
EPS (TTM)$1.99
Free cash flow—
Total cash$276.04M
Total debt$510.97M
Book value / share$32.80
Shares outstanding92.44M
Float85.66M
Short % of float—
Dividend yield3.11%
Beta (5Y)0.73
Valuation & profitability ratios
Trailing P/E17.79
Forward P/E10.11
PEG ratio—
Price / sales—
Price / book1.08
EV / revenue3.11
EV / EBITDA—
Gross margin0.00%
Operating margin61.03%
Profit margin28.56%
Return on equity12.22%
Return on assets1.57%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $833.68M | $692.04M | $694.38M | $686.38M | +20.5% |
| Operating revenue | $833.68M | $692.04M | $694.38M | $686.38M | +20.5% |
| Selling, general & admin | $348.83M | $321.53M | $305.22M | $279.92M | +8.5% |
| Pre-tax income | $210.22M | $189.92M | $185.51M | $237.05M | +10.7% |
| Tax provision | $39.42M | $27.55M | $30.91M | $46.58M | +43.1% |
| Net income | $169.53M | $161.36M | $153.21M | $188.99M | +5.1% |
| Net income to common | $169.53M | $161.36M | $153.21M | $188.99M | +5.1% |
| Basic EPS | 2.22 | 2.15 | 2.05 | 2.60 | +3.3% |
| Diluted EPS | 2.21 | 2.15 | 2.05 | 2.60 | +2.8% |
| Basic shares | 76.41M | 74.93M | 74.65M | 72.56M | +2.0% |
| Diluted shares | 76.75M | 75.17M | 74.66M | 72.58M | +2.1% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $1.35B | $1.34B | $1.13B | $1.15B | +0.8% |
| Property, plant & equipment | $430.99M | $368.88M | $337.60M | $304.80M | +16.8% |
| Goodwill & intangibles | $690.61M | $517.79M | $520.97M | $501.64M | +33.4% |
| Total assets | $19.69B | $17.24B | $16.84B | $15.85B | +14.2% |
| Long-term debt | $336.32M | $263.22M | $459.75M | $277.09M | +27.8% |
| Total debt | $336.32M | $263.22M | $459.75M | $277.09M | +27.8% |
| Total liabilities | $17.26B | $15.09B | $14.78B | $13.96B | +14.4% |
| Retained earnings | $1.09B | $1.00B | $921.13M | $840.78M | +8.7% |
| Shareholder equity | $2.42B | $2.13B | $2.04B | $1.87B | +13.6% |
| Net tangible assets | $1.73B | $1.61B | $1.52B | $1.37B | +7.3% |
| Shares issued | 80.05M | 76.30M | 74.89M | 72.84M | +4.9% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $170.79M | $162.37M | $154.60M | $190.47M | +5.2% |
| Depreciation & amortisation | $40.23M | $35.07M | $34.22M | $28.70M | +14.7% |
| Stock-based compensation | $9.71M | $7.87M | $7.02M | $5.22M | +23.4% |
| Change in working capital | -$4.53M | $2.91M | $7.06M | -$90.02M | -255.6% |
| Operating cash flow | $261.47M | $137.72M | $159.20M | $415.50M | +89.9% |
| Capital expenditure | -$49.80M | -$56.63M | -$42.03M | -$52.29M | +12.1% |
| Investing cash flow | -$386.89M | -$202.13M | -$333.57M | -$2.05B | -91.4% |
| Share buybacks | -$575.00K | — | — | — | — |
| Dividends paid | -$79.30M | -$75.02M | -$71.38M | -$62.75M | -5.7% |
| Financing cash flow | $136.60M | $275.53M | $149.90M | -$512.10M | -50.4% |
| Free cash flow | $211.67M | $81.09M | $117.17M | $363.22M | +161.0% |
| End cash position | $1.35B | $1.34B | $1.13B | $1.15B | +0.8% |
| Line item | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $246.45M | $218.53M | $215.66M | $207.44M | $183.10M | +12.8% |
| Operating revenue | $246.45M | $218.53M | $215.66M | $207.44M | $183.10M | +12.8% |
| Selling, general & admin | $103.73M | $93.12M | $86.60M | $85.55M | $83.56M | +11.4% |
| Pre-tax income | $50.22M | $54.11M | $46.65M | $50.37M | $50.14M | -7.2% |
| Tax provision | $9.12M | $12.77M | $7.36M | $11.10M | $6.13M | -28.6% |
| Net income | $40.99M | $41.12M | $38.98M | $38.84M | $43.71M | -0.3% |
| Net income to common | $40.99M | $41.12M | $38.98M | $38.84M | $43.71M | -0.3% |
| Basic EPS | 0.45 | — | 0.51 | 0.52 | 0.58 | — |
| Diluted EPS | 0.45 | — | 0.51 | 0.51 | 0.58 | — |
| Basic shares | 90.43M | — | 76.42M | 75.24M | 75.15M | — |
| Diluted shares | 90.78M | — | 76.76M | 75.54M | 75.53M | — |
| Line item | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $1.56B | $1.35B | $1.25B | $1.11B | $1.32B | +15.6% |
| Property, plant & equipment | $438.79M | $430.99M | $422.13M | $392.06M | $373.11M | +1.8% |
| Goodwill & intangibles | $906.77M | $690.61M | $693.57M | $573.89M | $514.76M | +31.3% |
| Total assets | $22.36B | $19.69B | $19.68B | $18.26B | $17.51B | +13.6% |
| Long-term debt | $481.49M | $336.32M | $336.49M | $273.27M | $263.23M | +43.2% |
| Total debt | $481.49M | $336.32M | $336.49M | $273.27M | $263.23M | +43.2% |
| Total liabilities | $19.46B | $17.26B | $17.28B | $16.03B | $15.29B | +12.8% |
| Retained earnings | $1.10B | $1.09B | $1.08B | $1.06B | $1.04B | +1.5% |
| Shareholder equity | $2.89B | $2.42B | $2.40B | $2.23B | $2.20B | +19.4% |
| Net tangible assets | $1.98B | $1.73B | $1.70B | $1.66B | $1.69B | +14.6% |
| Shares issued | 92.37M | 80.05M | 80.04M | 75.42M | 75.39M | +15.4% |
| Line item | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|
| Net income | $41.10M | $41.34M | $39.29M | $46.15M | $44.01M | -0.6% |
| Depreciation & amortisation | $13.16M | $11.58M | $10.34M | $9.68M | $8.63M | +13.7% |
| Stock-based compensation | $2.87M | $2.53M | $2.40M | $2.43M | $2.35M | +13.2% |
| Change in working capital | $5.54M | $4.42M | -$24.66M | -$22.02M | $37.73M | +25.2% |
| Operating cash flow | $40.45M | $117.41M | $52.82M | -$30.64M | $121.88M | -65.5% |
| Capital expenditure | -$13.59M | -$15.13M | -$11.57M | -$11.86M | -$11.24M | +10.2% |
| Investing cash flow | $166.80M | $19.38M | $111.73M | -$234.80M | -$283.20M | +760.9% |
| Dividends paid | -$21.33M | -$21.32M | -$20.36M | -$18.81M | -$18.81M | -0.0% |
| Financing cash flow | $4.07M | -$36.11M | -$26.25M | $59.80M | $139.17M | +111.3% |
| Free cash flow | $26.86M | $102.28M | $41.25M | -$42.50M | $110.64M | -73.7% |
| End cash position | $1.56B | $1.35B | $1.25B | $1.11B | $1.32B | +15.6% |
Options analytics
Put / call volume
1.00
Call-heavy session
Put / call open interest
0.67
Positioning, not flow
Max pain
35.00
-1.2% from spot
ATM implied vol
0.0%
Nearest strike to spot
Skew (10% OTM)
-5.5%
Calls bid over puts
Call volume
1
Contracts, this expiry
Put volume
1
Contracts, this expiry
Heaviest call OI
40.00
2 contracts
Heaviest put OI
35.00
2 contracts
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 0.79 | 0.78 | -1.3% |
| Mar 2026 | 0.76 | 0.74 | -2.9% |
| Dec 2025 | 0.71 | 0.70 | -1.4% |
| Sep 2025 | 0.76 | 0.83 | +9.2% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 0.82 | 4 | $252.30M | +17.0% |
| Next quarter | 0.81 | 4 | $252.13M | +14.6% |
| Current year | 3.14 | 4 | $1.06B | +27.3% |
| Next year | 3.50 | 4 | $1.12B | +4.9% |
Analyst targets & ownership
Mean target$40.00
High target$42.00
Low target$38.00
Implied upside12.96%
Analyst count4
ConsensusBUY
Strong buy / Buy1 / 1
Hold2
Sell / Strong sell0 / 0
Held by insiders5.71%
Held by institutions63.63%
Institutions holding400
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
35.95
-1.51% from price
SMA 20
36.49
-2.96% from price
SMA 50
37.20
-4.82% from price
SMA 100
36.24
-2.28% from price
SMA 200
35.52
-0.32% from price
EMA 12
36.07
-1.83% from price
EMA 26
36.48
-2.94% from price
EMA 50
36.64
-3.36% from price
RSI (14)
33.5
Neutral
MACD (12,26,9)
-0.41
Hist -0.09
ATR (14)
0.61
1.72% of price
Realised vol 30D
13.0%
Annualised
Bollinger upper
37.73
20, 2σ
Bollinger lower
35.26
20, 2σ
50 / 200 cross
Golden
37.20 vs 35.52
Trend bias
Below 200
-0.32%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.39
Less volatile than market
Correlation to SPY
0.24
Largely independent
Realised vol 30D
13.0%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-13.9%
Peak to trough
Max drawdown 5Y
-37.8%
Peak to trough
ATR 14
0.61
1.72% of price
Beta (reported)
0.73
5Y monthly, from filing
Short interest
Shares short
2.65M
Prior 2.44M
Change vs prior
+8.9%
Shorts adding
% of float
—
—
% of shares out
2.87%
Against total outstanding
Days to cover
5.3
Crowded exit
Float
85.66M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| May 6, 26 | Keefe, Bruyette & Woods | DOWNGRADE | Outperform | Market Perform |
| Jan 23, 25 | Stephens & Co. | MAINTAINED | Equal-Weight | Equal-Weight |
| Oct 2, 24 | Keefe, Bruyette & Woods | UPGRADE | Market Perform | Outperform |
| Jul 29, 24 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| Jan 5, 24 | Raymond James | MAINTAINED | Outperform | Outperform |
| Sep 13, 23 | Stephens & Co. | INITIATED | — | Equal-Weight |
| Aug 11, 23 | Hovde Group | INITIATED | — | Market Perform |
| May 8, 23 | Keefe, Bruyette & Woods | MAINTAINED | — | Market Perform |
| May 3, 23 | Raymond James | MAINTAINED | — | Outperform |
| May 1, 23 | Piper Sandler | MAINTAINED | — | Overweight |
| Apr 6, 23 | Keefe, Bruyette & Woods | MAINTAINED | — | Market Perform |
| Feb 3, 21 | Piper Sandler | UPGRADE | Neutral | Overweight |
Dividends & splits
Forward rate$1.10 / yr
Forward yield3.11%
5-year avg yield3.04%
Payout ratio54.27%
Ex-dividend dateSep 25, 2026
Next pay dateOct 9, 2026
Last split103:100
Split dateMay 23, 2012
Headlines
3 Bank Stocks with Warning Signs
StockStory · 3h ago
TowneBank Agrees to Acquire blueharbor bank for Approximately $154 Million
InvestorsHub · 21h ago
TowneBank to Acquire blueharbor bank for $154 Million
MT Newswires · 23h ago
TowneBank Enhances North Carolina Presence Through Agreement To Acquire blueharbor bank
GlobeNewswire · 23h ago
Towne Bank's Dividend Analysis
GuruFocus.com · 12d ago
1 Stock Under $50 to Keep an Eye On and 2 We Find Risky
StockStory · 35d ago
1 Momentum Stock to Research Further and 2 We Find Risky
StockStory · 40d ago
TowneBank Announces Quarterly Cash Dividend
GlobeNewswire · 42d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.