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Market Price

25.78 

0.16 0.6%

as of Mar 21 '19

52 Week Range:

22.88 33.85


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

TowneBank provides retail and commercial banking services for small- and medium-size businesses, professionals, and individuals. The company operates in three segments: Banking, Realty, and Insurance. It accepts various deposits products, including demand deposits, savings accounts, money rate savings, certificates of deposit, and individual retirement accounts, and negotiable order of withdrawal accounts. The company also offers secured and unsecured personal loans for financing automobiles, home improvements, education, and personal investments; commercial loans for working capital, business expansion, and equipment and machinery purchases; and mortgage loans, as well as real estate acquisition, development, and construction loans. In addition, it provides other services, such as safe deposit boxes, cash management services, direct deposit of payroll and social security checks, and automatic drafts for various accounts, as well as Internet, mobile, and on-call banking services. Further, the company offers documentation services to accomplish tax deferral to investors; investment and asset management services; commercial mortgage brokerage services; and other financial services, such as financial, retirement, and estate planning services, as well as assistance on various investment options, such as alternative investments, annuities, margin accounts, convertible bonds, and pension and profit sharing plans. Additionally, it provides residential real estate, relocation, property management, vacations rental, and title and settlement services; and originates residential mortgage loans. The company offers life, property, casualty, travel, and vehicle insurance services; medical, and baggage protection insurance for travelers; and employee benefit programs, such as medical, dental, vision, and disability insurance. As of February 27, 2019, it operated 41 banking offices in Virginia and North Carolina. TowneBank was founded in 1998 and is based in Portsmouth, Virginia.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 16.21
16.07
16.43
12.47
13.30
14.18
14.75
15.64
17.08
18.04
20.51
growth rate -0.9% 2.2% -24.1% 6.7% 6.6% 4.0% 6.0% 9.2% 5.6% 13.7%
Earnings BIT 32.65
38.40
43.38
45.53
53.57
61.38
growth rate 17.6% 13.0% 5.0% 17.7% 14.6%
Avg.PE 29.15
18.66
22.37
15.46
15.17
13.50
13.79
29.20
26.61
20.53
13.81
growth rate -36.0% 19.9% -30.9% -1.9% -11.0% 2.2% 111.8% -8.9% -22.9% -32.7%
ROA 0.80
0.50
0.56
0.58
0.75
0.83
0.86
1.11
0.94
1.06
1.36
growth rate -37.5% 12.0% 3.6% 29.3% 10.7% 3.6% 29.1% -15.3% 12.8% 28.3%
ROE 6.68
3.84
4.44
5.27
7.94
8.17
8.02
9.29
7.13
7.95
10.07
growth rate -42.5% 15.6% 18.7% 50.7% 2.9% -1.8% 15.8% -23.3% 11.5% 26.7%
ROIC 11.96
6.50
6.04
6.50
7.24
6.68
6.62
growth rate -45.7% -7.1% 7.6% 11.4% -7.7% -0.9%
Leverage 7.53
7.94
7.92
10.75
10.53
9.35
9.35
7.76
7.42
7.53
7.32
growth rate 5.4% -0.3% 35.7% -2.1% -11.2% 0.0% -17.0% -4.4% 1.5% -2.8%
Balance Sheet Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Payable 3,846.60
4,914.03
6,035.20
6,448.22
8,370.42
growth rate 27.8% 22.8% 6.8% 29.8%
Cur.Assets 320.51
389.84
478.93
860.23
930.29
growth rate 21.6% 22.9% 79.6% 8.1%
Total Assets 3,133.60
3,606.50
3,871.00
4,081.80
4,405.90
4,673.00
4,982.49
6,296.57
7,973.92
8,522.18
11,163.03
growth rate 15.1% 7.3% 5.5% 7.9% 6.1% 6.6% 26.4% 26.6% 6.9% 31.0%
Cash 69.70
64.70
150.50
314.10
-184.90
75.50
199.03
234.32
95.94
467.31
657.98
growth rate -7.2% 132.6% 108.7% -100.0% 100.0% 163.6% 17.7% -59.1% 387.1% 40.8%
Inventory 35.12
34.42
24.51
23.29
19.42
growth rate -2.0% -28.8% -5.0% -16.6%
Cur.Liabilities 3,878.50
4,951.46
6,068.38
6,473.37
8,946.09
growth rate 27.7% 22.6% 6.7% 38.2%
Liabilities 2,713.90
3,148.80
3,378.70
3,567.60
3,853.00
4,096.70
4,364.21
5,476.38
6,887.36
7,379.67
9,624.61
growth rate 16.0% 7.3% 5.6% 8.0% 6.3% 6.5% 25.5% 25.8% 7.2% 30.4%
LT Debt 2,008.00
2,009.00
2,010.00
2,011.00
380.00
395.10
398.18
429.08
687.51
774.12
520.18
growth rate 0.1% 0.1% 0.1% -81.1% 4.0% 0.8% 7.8% 60.2% 12.6% -32.8%
Equity 419.70
457.60
492.30
514.20
552.90
499.90
532.49
810.92
1,075.10
1,131.24
1,525.53
growth rate 9.0% 7.6% 4.5% 7.5% -9.6% 6.5% 52.3% 32.6% 5.2% 34.9%
Common Shares 27.00
28.00
30.00
31.00
31.00
33.00
35.00
51.00
57.00
62.00
71.00
growth rate 3.7% 7.1% 3.3% 0.0% 6.5% 6.1% 45.7% 11.8% 8.8% 14.5%
Cash Flow Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 9.10
16.80
25.70
27.00
20.20
18.90
11.93
23.32
18.06
13.45
growth rate 84.6% 53.0% 5.1% -25.2% -6.4% -36.9% 95.5% -22.6% -25.5%
Cash Dividends 9.30
16.30
17.60
17.30
19.80
13.50
16.04
21.99
30.54
34.44
growth rate 75.3% 8.0% -1.7% 14.5% -31.8% 18.8% 37.1% 38.9% 12.8%
Cash From OA 35.00
-26.12
45.50
5.60
40.30
115.50
44.52
81.09
184.51
141.08
growth rate -100.0% 100.0% -87.7% 619.6% 186.6% -61.5% 82.1% 127.6% -23.5%
FCF per Share 0.95
-1.39
0.69
3.40
0.64
2.06
1.24
0.05
2.45
3.06
1.78
growth rate -100.0% 100.0% 392.8% -81.2% 221.9% -39.8% -96.0% 4,800.0% 24.9% -41.8%
Sale Purchase of Stock 1.54
1.54
3.86
2.17
growth rate 0.0% 151.2% -43.8%
FCF 26.00
-38.00
21.00
-22.00
20.00
96.00
33.00
58.00
167.00
111.00
287.00
growth rate -100.0% 100.0% -100.0% 100.0% 380.0% -65.6% 75.8% 187.9% -33.5% 158.6%
Income Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 131.00
163.10
188.70
204.00
228.50
234.40
241.97
294.70
368.74
443.82
524.13
growth rate 24.5% 15.7% 8.1% 12.0% 2.6% 3.2% 21.8% 25.1% 20.4% 18.1%
Op.Income 32.70
38.40
43.40
45.50
53.60
61.40
67.39
93.85
120.02
149.87
180.43
growth rate 17.4% 13.0% 4.8% 17.8% 14.6% 9.8% 39.3% 27.9% 24.9% 20.4%
IBT 32.72
38.40
43.38
45.53
53.57
63.11
92.54
100.91
147.60
172.00
growth rate 17.4% 13.0% 5.0% 17.7% 8.5% 46.6% 9.1% 46.3% 16.5%
Net Income 23.90
26.80
30.30
33.30
37.90
41.80
42.17
62.38
67.25
87.66
133.79
growth rate 12.1% 13.1% 9.9% 13.8% 10.3% 0.9% 47.9% 7.8% 30.4% 52.6%
EPS 0.86
0.64
0.71
0.76
1.03
1.14
1.18
1.22
1.18
1.41
1.88
growth rate -25.6% 10.9% 7.0% 35.5% 10.7% 3.5% 3.4% -3.3% 19.5% 33.3%
Gross Profit 241.97
294.70
368.74
443.82
524.13
growth rate 21.8% 25.1% 20.4% 18.1%

Quarterly Statements

Item Name Dec '17 Mar '18 Jun '18 Sep '18 Dec '18
Balance Sheet
Acct.Payable 6,448.22
7,825.42
7,991.21
8,299.43
8,370.42
growth rate 21.4% 2.1% 3.9% 0.9%
Cur.Assets 843.92
806.60
881.09
1,066.22
930.29
growth rate -4.4% 9.2% 21.0% -12.8%
Total Assets 8,522.18
10,620.42
10,831.65
11,121.23
11,163.03
growth rate 24.6% 2.0% 2.7% 0.4%
Cash 451.00
484.07
457.80
709.49
657.98
growth rate 7.3% -5.4% 55.0% -7.3%
Inventory 23.29
23.98
22.39
20.41
19.42
growth rate 3.0% -6.7% -8.9% -4.9%
Cur.Liabilities 6,486.37
8,238.93
8,178.51
8,480.82
8,946.09
growth rate 27.0% -0.7% 3.7% 5.5%
Liabilities 7,379.67
9,171.07
9,354.87
9,621.41
9,624.61
growth rate 24.3% 2.0% 2.9% 0.0%
LT Debt 761.12
771.50
986.19
986.18
520.18
growth rate 1.4% 27.8% 0.0% -47.3%
Equity 1,131.24
1,438.48
1,462.76
1,485.97
1,525.53
growth rate 27.2% 1.7% 1.6% 2.7%
Common Shares 104.40
120.47
120.62
120.61
120.80
growth rate 15.4% 0.1% 0.0% 0.2%
Cash Flow Statement Dec '17 Mar '18 Jun '18 Sep '18 Dec '18
Capital Expenditures 2.23
2.94
5.30
7.05
growth rate 31.5% 80.6% 32.9%
Cash Dividends 8.77
10.12
11.58
11.47
11.70
growth rate 15.4% 14.4% -0.9% 1.9%
Cash From OA 36.96
85.53
-40.81
74.43
growth rate 131.4% -100.0% 100.0%
Sale Purchase of Stock 0.96
0.25
growth rate -74.4%
FCF 34.72
82.59
-46.11
67.38
growth rate 137.9% -100.0% 100.0%
Income Statement Dec '17 Mar '18 Jun '18 Sep '18 Dec '18
Sales 108.27
124.32
134.00
136.67
129.13
growth rate 14.8% 7.8% 2.0% -5.5%
Op.Income 35.14
40.75
45.58
48.84
45.27
growth rate 16.0% 11.9% 7.2% -7.3%
IBT 34.61
32.02
44.78
48.41
46.79
growth rate -7.5% 39.9% 8.1% -3.4%
Net Income 12.33
24.71
34.80
38.29
35.99
growth rate 100.3% 40.9% 10.0% -6.0%
EPS
growth rate
Gross Profit 108.27
124.32
134.00
136.67
129.13
growth rate 14.8% 7.8% 2.0% -5.5%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

A (88.20)

YOY Growth Grade:

C (51.51)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 14.07 13.71 12.13
EPS / Growth 13.4% 1.88 36.2%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 21.1%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 13.4% 23.6% 23.6%
Future PE 12.13 13.42 24.45
Future EPS 6.63 15.62 15.62
Value Price
MOS %
19.90
-22.8%
51.83
101.0%
94.41
266.2%
MOS Price 9.95 25.91 47.20
IRT 7.64 6.06 6.06

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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