TOWN
TowneBank
NasdaqGSUSDEQUITY
Financial Services
DELAYED
Last price
37.75
▲ 0.26 (0.69%)
MARKET · —
Price
Open
37.52
Prev close
37.49
Day high
37.80
Day low
37.37
Volume
659.31K
Market cap
$3.49B
P/E (TTM)
18.15
52W range
31.91 – 39.03
Trailing performance
Returnvs SPY
1W
-0.19%
+1.2%
1M
+5.01%
+1.3%
3M
+9.14%
+6.0%
6M
+4.98%
-6.1%
YTD
+13.13%
+0.8%
1Y
+6.49%
-13.5%
3Y
+56.51%
-17.7%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Fundamentals
Market cap$3.49B
Enterprise value$3.69B
Revenue (TTM)$1.12B
Gross profit$1.12B
EBITDA—
Net income$319.10M
EPS (TTM)$2.08
Free cash flow—
Total cash$276.04M
Total debt$510.97M
Book value / share$31.68
Shares outstanding92.44M
Float85.63M
Short % of float—
Dividend yield2.89%
Beta (5Y)0.70
Valuation & profitability ratios
Trailing P/E18.15
Forward P/E11.00
PEG ratio—
Price / sales—
Price / book1.19
EV / revenue3.30
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 |
|---|---|---|---|---|
| Total revenue | $835.72M | $693.75M | $698.78M | $686.93M |
| Cost of revenue | $0 | $0 | $0 | $0 |
| Gross profit | $0 | $0 | $0 | $0 |
| R&D | — | — | — | — |
| SG&A | — | — | — | — |
| Operating income | — | — | — | — |
| Pre-tax income | — | — | — | — |
| Tax provision | $0 | $0 | $0 | $0 |
| Net income | $169.53M | $161.76M | $153.72M | $188.99M |
| EBIT | $0 | $0 | $0 | $0 |
| Line item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Cash & equivalents | — | — | — | — |
| Short-term investments | — | — | — | — |
| Net receivables | — | — | — | — |
| Inventory | — | — | — | — |
| Total current assets | — | — | — | — |
| Total assets | — | — | — | — |
| Total current liabilities | — | — | — | — |
| Long-term debt | — | — | — | — |
| Total liabilities | — | — | — | — |
| Retained earnings | — | — | — | — |
| Shareholder equity | — | — | — | — |
| Line item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Net income | $169.53M | $161.76M | $153.72M | $188.99M |
| Depreciation | — | — | — | — |
| Change in working capital | — | — | — | — |
| Operating cash flow | — | — | — | — |
| Capital expenditure | — | — | — | — |
| Investing cash flow | — | — | — | — |
| Dividends paid | — | — | — | — |
| Buybacks | — | — | — | — |
| Financing cash flow | — | — | — | — |
| Net change in cash | — | — | — | — |
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 | $252.58M | +14.8% |
| Current year | 3.14 | 4 | $1.06B | +27.3% |
| Next year | 3.43 | 3 | $1.12B | +4.9% |
Analyst targets & ownership
Mean target$40.00
High target$42.00
Low target$38.00
Implied upside5.96%
Analyst count4
ConsensusBUY
Strong buy / Buy1 / 1
Hold2
Sell / Strong sell0 / 0
Held by insiders5.72%
Held by institutions63.24%
Institutions holding398
Price targets, consensus spread, insider and institutional ownership.
Insider net activity
Net shares
+107.87K
Net buying
Buy transactions
124
109.46K shares
Sell transactions
4
1.58K shares
Net transactions
+128
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 |
|---|---|---|---|---|---|
| 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 | 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 | ASTON G ROBERT JR Officer and Director |
STOCK | 6 | $216 | |
| 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 |
| Jul 10, 26 | MORGAN RICHARD SCOTT L Director |
STOCK | 3 | $108 | Indirect |
| Jul 10, 26 | LAWSON JOHN R. II Director |
STOCK | 1.49K | $53.57K | Direct |
| 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 |
| Jun 18, 26 | ASTON G ROBERT JR Officer and Director |
STOCK | 5 | $105 |
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) |
Moving averages & technicals
SMA 10
37.58
+0.44% from price
SMA 20
37.87
-0.32% from price
SMA 50
36.68
+2.91% from price
SMA 100
35.71
+5.71% from price
SMA 200
35.04
+7.72% from price
EMA 12
37.61
+0.36% from price
EMA 26
37.36
+1.03% from price
EMA 50
36.79
+2.60% from price
RSI (14)
55.5
Neutral
MACD (12,26,9)
0.25
Hist -0.11
ATR (14)
0.53
1.41% of price
Realised vol 30D
17.9%
Annualised
Bollinger upper
38.75
20, 2σ
Bollinger lower
37.00
20, 2σ
50 / 200 cross
Golden
36.68 vs 35.04
Trend bias
Above 200
+7.72%
Risk profile
Beta vs SPY
0.45
Less volatile than market
Correlation to SPY
0.26
Largely independent
Realised vol 30D
17.9%
Annualised
Market vol 1Y
12.9%
SPY, annualised
Max drawdown 1Y
-13.9%
Peak to trough
Max drawdown 5Y
-37.8%
Peak to trough
ATR 14
0.53
1.41% of price
Beta (reported)
0.70
5Y monthly, from filing
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.
Options analytics
Put / call volume
0.11
Call-heavy session
Put / call open interest
0.57
Positioning, not flow
Max pain
34.30
-9.1% from spot
ATM implied vol
24.6%
Nearest strike to spot
Skew (10% OTM)
+11.3%
Puts bid over calls
Call volume
9
Contracts, this expiry
Put volume
1
Contracts, this expiry
Heaviest call OI
39.30
5 contracts
Heaviest put OI
25.00
5 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.
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.
Headlines
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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.