TowneBank (TOWN) is a Banks - Regional company in the Financial Services sector, currently trading at $35.62. It has a SharesGrow Score of 61/100, indicating a above average investment profile with 3 out of 7 criteria passed.
SharesGrow calculates the intrinsic value of TOWN = $60.78 (+70.6% from the current price, the stock appears undervalued).
Valuation: TOWN trades at a trailing Price-to-Earnings (P/E) of 16.5 (S&P 500 average ~25) with a forward Price/Earnings-to-Growth (PEG) of 1.55.
Financials: revenue is $1.0B, +11.3%/yr average growth. Net income is $170M, growing at -2.9%/yr. Net profit margin is 16.8% (healthy). Gross margin is 69.6% (-21.5 pp trend).
Balance sheet: total debt is $371M against $2.4B equity (Debt-to-Equity (D/E) ratio 0.15, conservative). Current ratio is 0.1 (tight liquidity). Debt-to-assets is 1.9%. Total assets: $19.7B.
Analyst outlook: 3 / 6 analysts rate TOWN as buy (50%) — moderate consensus.
SharesGrow 7-Criteria breakdown: Value 75/100 (Pass), Growth 48/100 (Partial), Past 100/100 (Pass), Health 33/100 (Fail), Moat 59/100 (Partial), Future 40/100 (Partial), Income 70/100 (Pass).
