Market Price

26.62 

-0.16 -0.6%

as of Jan 22 '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, negotiable order of withdrawal accounts, savings accounts, money rate savings, certificates of deposit, and individual retirement 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 construction and acquisition loans. In addition, it provides other services, such as safe deposit boxes, cash management services, travelers' checks, 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; asset management and 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, and vehicle insurance services; travel, medical, and baggage protection insurance for travelers; and employee benefit programs, such as medical, dental, vision, and disability insurance. As of February 28, 2018, it operated 40 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 '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Equity (BVPS) 10.35
16.21
16.07
16.43
12.47
13.30
14.18
14.75
15.64
17.08
18.04
growth rate 56.6% -0.9% 2.2% -24.1% 6.7% 6.6% 4.0% 6.0% 9.2% 5.6%
Earnings BIT 34.08
32.65
38.40
43.38
45.53
53.57
61.38
growth rate -4.2% 17.6% 13.0% 5.0% 17.7% 14.6%
Avg.PE 17.51
29.15
18.66
22.37
15.46
15.17
13.50
13.79
29.20
26.61
20.53
growth rate 66.5% -36.0% 19.9% -30.9% -1.9% -11.0% 2.2% 111.8% -8.9% -22.9%
ROA 0.99
0.80
0.50
0.56
0.58
0.75
0.83
0.86
1.11
0.94
1.06
growth rate -19.2% -37.5% 12.0% 3.6% 29.3% 10.7% 3.6% 29.1% -15.3% 12.8%
ROE 9.55
6.68
3.84
4.44
5.27
7.94
8.17
8.02
9.29
7.13
7.95
growth rate -30.1% -42.5% 15.6% 18.7% 50.7% 2.9% -1.8% 15.8% -23.3% 11.5%
ROIC 19.99
11.96
6.50
6.04
6.50
7.24
6.68
6.62
growth rate -40.2% -45.7% -7.1% 7.6% 11.4% -7.7% -0.9%
Leverage 9.74
7.53
7.94
7.92
10.75
10.53
9.35
9.35
7.76
7.42
7.53
growth rate -22.7% 5.4% -0.3% 35.7% -2.1% -11.2% 0.0% -17.0% -4.4% 1.5%
Balance Sheet Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Acct.Payable 3,846.60
4,914.03
6,035.20
6,448.22
growth rate 27.8% 22.8% 6.8%
Cur.Assets 320.51
389.84
478.93
843.92
growth rate 21.6% 22.9% 76.2%
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
growth rate 15.1% 7.3% 5.5% 7.9% 6.1% 6.6% 26.4% 26.6% 6.9%
Cash 69.70
64.70
150.50
314.10
-184.90
75.50
199.03
234.32
95.94
451.00
growth rate -7.2% 132.6% 108.7% -100.0% 100.0% 163.6% 17.7% -59.1% 370.1%
Inventory 35.12
34.42
24.51
23.29
growth rate -2.0% -28.8% -5.0%
Cur.Liabilities 3,878.50
4,951.46
6,068.38
6,486.37
growth rate 27.7% 22.6% 6.9%
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
growth rate 16.0% 7.3% 5.6% 8.0% 6.3% 6.5% 25.5% 25.8% 7.2%
LT Debt 41.67
2,008.00
2,009.00
2,010.00
2,011.00
380.00
395.10
398.18
429.08
687.51
761.12
growth rate 4,718.8% 0.1% 0.1% 0.1% -81.1% 4.0% 0.8% 7.8% 60.2% 10.7%
Equity 256.86
419.70
457.60
492.30
514.20
552.90
499.90
532.49
810.92
1,075.10
1,131.24
growth rate 63.4% 9.0% 7.6% 4.5% 7.5% -9.6% 6.5% 52.3% 32.6% 5.2%
Common Shares 27.00
27.00
28.00
30.00
31.00
31.00
33.00
35.00
51.00
57.00
62.00
growth rate 0.0% 3.7% 7.1% 3.3% 0.0% 6.5% 6.1% 45.7% 11.8% 8.8%
Cash Flow Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Capital Expenditures 13.04
9.10
16.80
25.70
27.00
20.20
18.90
11.93
23.32
18.06
13.45
growth rate -30.2% 84.6% 53.0% 5.1% -25.2% -6.4% -36.9% 95.5% -22.6% -25.5%
Cash Dividends 12.94
9.30
16.30
17.60
17.30
19.80
13.50
16.04
21.99
30.54
34.44
growth rate -28.1% 75.3% 8.0% -1.7% 14.5% -31.8% 18.8% 37.1% 38.9% 12.8%
Cash From OA 19.46
35.00
-26.12
45.50
5.60
40.30
115.50
44.52
81.09
185.04
124.77
growth rate 79.9% -100.0% 100.0% -87.7% 619.6% 186.6% -61.5% 82.1% 128.2% -32.6%
FCF per Share 0.25
0.95
-1.39
0.69
3.40
0.64
2.06
1.24
0.05
2.45
3.06
growth rate 280.0% -100.0% 100.0% 392.8% -81.2% 221.9% -39.8% -96.0% 4,800.0% 24.9%
Sale Purchase of Stock 1.54
1.54
3.86
2.17
growth rate 0.0% 151.2% -43.8%
FCF 6.00
26.00
-38.00
21.00
-22.00
20.00
96.00
33.00
58.00
167.00
111.00
growth rate 333.3% -100.0% 100.0% -100.0% 100.0% 380.0% -65.6% 75.8% 187.9% -33.5%
Income Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Sales 122.32
131.00
163.10
188.70
204.00
228.50
234.40
241.97
294.70
368.74
443.82
growth rate 7.1% 24.5% 15.7% 8.1% 12.0% 2.6% 3.2% 21.8% 25.1% 20.4%
Op.Income 32.70
38.40
43.40
45.50
53.60
61.40
67.39
93.85
120.02
149.87
growth rate 17.4% 13.0% 4.8% 17.8% 14.6% 9.8% 39.3% 27.9% 24.9%
IBT 32.72
38.40
43.38
45.53
53.57
63.11
92.54
100.91
147.60
growth rate 17.4% 13.0% 5.0% 17.7% 8.5% 46.6% 9.1% 46.3%
Net Income 23.90
26.80
30.30
33.30
37.90
41.80
42.17
62.38
67.25
87.66
growth rate 12.1% 13.1% 9.9% 13.8% 10.3% 0.9% 47.9% 7.8% 30.4%
EPS 0.89
0.86
0.64
0.71
0.76
1.03
1.14
1.18
1.22
1.18
1.41
growth rate -3.4% -25.6% 10.9% 7.0% 35.5% 10.7% 3.5% 3.4% -3.3% 19.5%
Gross Profit 241.97
294.70
368.74
443.82
growth rate 21.8% 25.1% 20.4%

Quarterly Statements

Item Name Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Balance Sheet
Acct.Payable 6,548.46
6,448.22
7,825.42
7,991.21
8,299.43
growth rate -1.5% 21.4% 2.1% 3.9%
Cur.Assets 999.84
843.92
806.60
881.09
1,066.22
growth rate -15.6% -4.4% 9.2% 21.0%
Total Assets 8,614.79
8,522.18
10,620.42
10,831.65
11,121.23
growth rate -1.1% 24.6% 2.0% 2.7%
Cash 652.78
451.00
484.07
457.80
709.49
growth rate -30.9% 7.3% -5.4% 55.0%
Inventory 25.12
23.29
23.98
22.39
20.41
growth rate -7.3% 3.0% -6.7% -8.9%
Cur.Liabilities 6,584.85
6,486.37
8,238.93
8,178.51
8,480.82
growth rate -1.5% 27.0% -0.7% 3.7%
Liabilities 7,473.94
7,379.67
9,171.07
9,354.87
9,621.41
growth rate -1.3% 24.3% 2.0% 2.9%
LT Debt 761.20
761.12
771.50
986.19
986.18
growth rate 0.0% 1.4% 27.8% 0.0%
Equity 1,129.59
1,131.24
1,438.48
1,462.76
1,485.97
growth rate 0.2% 27.2% 1.7% 1.6%
Common Shares 104.39
104.40
120.47
120.62
120.61
growth rate 0.0% 15.4% 0.1% 0.0%
Cash Flow Statement Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Capital Expenditures 1.56
2.23
2.94
5.30
7.05
growth rate 43.7% 31.5% 80.6% 32.9%
Cash Dividends 8.77
8.77
10.12
11.58
11.47
growth rate 0.0% 15.4% 14.4% -0.9%
Cash From OA 91.82
36.96
85.53
-40.81
74.43
growth rate -59.8% 131.4% -100.0% 100.0%
Sale Purchase of Stock 0.96
0.96
0.25
growth rate 0.0% -74.4%
FCF 90.26
34.72
82.59
-46.11
67.38
growth rate -61.5% 137.9% -100.0% 100.0%
Income Statement Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Sales 114.64
108.27
124.32
134.00
136.67
growth rate -5.6% 14.8% 7.8% 2.0%
Op.Income 40.92
35.14
40.75
45.58
48.84
growth rate -14.1% 16.0% 11.9% 7.2%
IBT 40.46
34.61
32.02
44.78
48.41
growth rate -14.5% -7.5% 39.9% 8.1%
Net Income 27.15
12.33
24.71
34.80
38.29
growth rate -54.6% 100.3% 40.9% 10.0%
EPS
growth rate
Gross Profit 114.64
108.27
124.32
134.00
136.67
growth rate -5.6% 14.8% 7.8% 2.0%

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:

B (77.00)

YOY Growth Grade:

D (48.80)

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 16.72 16.62 12.34
EPS / Growth 13.4% 1.60 36.2%

Value Price & Investment Recovery Time

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

Equity Growth Rate: 15.6%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 13.4% 14.5% 14.5%
Future PE 12.34 19.37 19.37
Future EPS 5.65 6.22 6.22
Value Price
MOS %
17.25
-35.2%
29.79
11.9%
29.79
11.9%
MOS Price 8.62 14.90 14.90
IRT 8.61 8.34 8.34

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

The functionality you are trying to reach is available to registered users only.

Login to your account or Register Now if you are not registered yet. Registration is FREE and will take only a minute.

Risk / Reward Ratios

The functionality you are trying to reach is available to registered users only.

Login to your account or Register Now if you are not registered yet. Registration is FREE and will take only a minute.