SharesGrow 7-Criteria Score
All 7 criteria scored · valuation-related highlighted on this page
TowneBank (TOWN) trades at a trailing P/E of 16.5, forward P/E of 10.2. Trailing earnings yield is 6.05%, forward earnings yield 9.79%. PEG 5.90. Graham Number is $38.15.
Criteria proven by this page:
- VALUE (75/100, Pass) — P/E is below market average (16.5); earnings yield beats bond yields (6.05%).
- Forward P/E 10.2 (down from trailing 16.5) — analysts expect earnings to grow, which would improve the valuation.
- PEG Ratio 5.90 — above 2.0 suggests expensive relative to earnings growth.
- Trailing Earnings Yield 6.05% — exceeds typical bond yields (~4.3%), making equity attractive vs fixed income. Forward yield improves to 9.79% as earnings recover.
Overall SharesGrow Score: 61/100 with 3/7 criteria passed.
SharesGrow 7-Criteria Score
✓
VALUE
75/100
Price-to-Earnings & upside
Proven by this page
✗
HEALTH
33/100
Debt-to-Equity & liquidity
→ Health
Valuation Snapshot — TOWN
Valuation Multiples
P/E (TTM)16.5
Forward P/E10.2
PEG Ratio5.90
Forward PEG0.18
P/B Ratio1.15
P/S Ratio2.48
EV/EBITDA11.7
Per Share Data
EPS (TTM)$2.12
Forward EPS (Est.)$3.49
Book Value / Share$30.49
Revenue / Share$13.57
FCF / Share$2.66
Yields & Fair Value
Earnings Yield6.05%
Forward Earnings Yield9.79%
Dividend Yield3.08%
Graham Number$38.15
SharesGrow IV$60.78 (+70.6%)
Historical Valuation
| Year |
P/E (TTM) |
PEG Ratio |
P/B Ratio |
P/S Ratio |
Dividend Yield |
| 2016 |
28.1 |
-8.57 |
1.76 |
4.62 |
1.62% |
| 2017 |
21.7 |
1.11 |
1.68 |
3.86 |
1.81% |
| 2018 |
12.7 |
0.38 |
1.12 |
2.78 |
2.63% |
| 2019 |
14.4 |
5.43 |
1.22 |
2.98 |
2.46% |
| 2020 |
11.7 |
2.81 |
0.96 |
2.29 |
3.08% |
| 2021 |
10.6 |
0.22 |
1.21 |
3.18 |
2.41% |
| 2022 |
11.8 |
-0.95 |
1.19 |
3.01 |
2.80% |
| 2023 |
14.5 |
-0.70 |
1.09 |
2.36 |
3.21% |
| 2024 |
15.8 |
3.25 |
1.19 |
2.49 |
2.94% |
| 2025 |
15.1 |
5.44 |
1.06 |
2.54 |
3.10% |
P/E Ratio & Earnings Yield
Earnings Per Share (EPS) History
| Year |
EPS (Diluted) |
Revenue |
Net Income |
Net Margin |
| 2016 |
$1.18 |
$408.93M |
$67.25M |
16.4% |
| 2017 |
$1.41 |
$492.39M |
$87.66M |
17.8% |
| 2018 |
$1.88 |
$612.75M |
$133.79M |
21.8% |
| 2019 |
$1.92 |
$672.71M |
$138.78M |
20.6% |
| 2020 |
$2.01 |
$742.25M |
$145.54M |
19.6% |
| 2021 |
$2.97 |
$720.08M |
$215.38M |
29.9% |
| 2022 |
$2.60 |
$742.95M |
$188.99M |
25.4% |
| 2023 |
$2.06 |
$942.55M |
$153.72M |
16.3% |
| 2024 |
$2.15 |
$1.02B |
$161.76M |
15.8% |
| 2025 |
$2.21 |
$1.01B |
$169.53M |
16.8% |
Analyst Estimates
| Year |
EPS (Avg) |
EPS Range |
Revenue (Avg) |
Revenue Range |
Analysts |
| 2026 |
$3.49 |
$3.47 – $3.52 |
$1.07B |
$1.07B – $1.08B |
3 |
| 2027 |
$3.87 |
$3.84 – $3.89 |
$1.14B |
$1.13B – $1.15B |
3 |
