TOWN PE Ratio & Valuation,Is TOWN Overvalued

TOWN Relative Valuation

TOWN's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, TOWN is overvalued; if below, it's undervalued.

Historical Valuation

TowneBank (TOWN) is now in the Fair zone, suggesting that its current forward PE ratio of 12.50 is considered Fairly compared with the five-year average of 12.35. The fair price of TowneBank (TOWN) is between 32.70 to 39.58 according to relative valuation methord.

Relative Value

Fair Zone

32.70-39.58

Current Price：35.42

Fair

12.50

0.00

EV/EBITDA

TowneBank. (TOWN) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

NaN

EV/EBIT

TowneBank. (TOWN) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.

3.00

TowneBank. (TOWN) has a current PS of 3.00. The 5-year average PS is 3.05. The thresholds are as follows: Strongly Undervalued below 2.37, Undervalued between 2.37 and 2.71, Fairly Valued between 3.40 and 2.71, Overvalued between 3.40 and 3.74, and Strongly Overvalued above 3.74. The current Forward PS of 3.00 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/OCF

TowneBank. (TOWN) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

TowneBank. (TOWN) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

TowneBank (TOWN) has a current Price-to-Book (P/B) ratio of 1.19. Compared to its 3-year average P/B ratio of 1.06 , the current P/B ratio is approximately 12.50% higher. Relative to its 5-year average P/B ratio of 1.11, the current P/B ratio is about 7.39% higher. TowneBank (TOWN) has a Forward Free Cash Flow (FCF) yield of approximately 6.33%. Compared to its 3-year average FCF yield of 7.47%, the current FCF yield is approximately -15.25% lower. Relative to its 5-year average FCF yield of 12.30% , the current FCF yield is about -48.52% lower.

1.19

P/B

Median3y

1.06

Median5y

1.11

6.33

FCF Yield

Median3y

7.47

Median5y

12.30

Competitors Valuation Multiple

The average P/S ratio for TOWN's competitors is 4.69, providing a benchmark for relative valuation. TowneBank Corp (TOWN) exhibits a P/S ratio of , which is -100% above the industry average. Given its robust revenue growth of 16.28%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

Revenue Growth

Market Cap

Performance Decomposition

Market capitalization of TOWN increased by 4.17% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 25.00 to 31.14.

The secondary factor is the Revenue Growth, contributed 16.28%to the performance.

Overall, the performance of TOWN in the past 1 year is driven by Margin Expansion. Which is more sustainable.

16.28%

140.53M → 163.40M

Revenue Growth

24.56%

25.00 → 31.14

Margin Expansion

-36.67%

23.54 → 14.91

P/E Change

4.17%

34.06 → 35.48

Mkt Cap Growth

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Frequently Asked Questions

Is TowneBank (TOWN) currently overvalued or undervalued?

What is TowneBank (TOWN) fair value?

TOWN's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average , adjusted by weights. The fair price of TowneBank (TOWN) is between 32.70 to 39.58 according to relative valuation methord.

How does TOWN's valuation metrics compare to the industry average?

The average P/S ratio for TOWN's competitors is 4.69, providing a benchmark for relative valuation. TowneBank Corp (TOWN) exhibits a P/S ratio of , which is -100.00% above the industry average. Given its robust revenue growth of 16.28%, this premium appears unsustainable.

What is the current P/B ratio for TowneBank (TOWN) as of Dec 15 2025?

As of Dec 15 2025, TowneBank (TOWN) has a P/B ratio of 1.19. This indicates that the market values TOWN at 1.19 times its book value.

What is the current FCF Yield for TowneBank (TOWN) as of Dec 15 2025?

As of Dec 15 2025, TowneBank (TOWN) has a FCF Yield of 6.33%. This means that for every dollar of TowneBank’s market capitalization, the company generates 6.33 cents in free cash flow.

What is the current Forward P/E ratio for TowneBank (TOWN) as of Dec 15 2025?

As of Dec 15 2025, TowneBank (TOWN) has a Forward P/E ratio of 12.50. This means the market is willing to pay $12.50 for every dollar of TowneBank’s expected earnings over the next 12 months.

What is the current Forward P/S ratio for TowneBank (TOWN) as of Dec 15 2025?

As of Dec 15 2025, TowneBank (TOWN) has a Forward P/S ratio of 3.00. This means the market is valuing TOWN at $3.00 for every dollar of expected revenue over the next 12 months.

TOWN Valuation

TOWN Valuation

TOWN Relative Valuation

Historical Valuation

Competitors Valuation Multiple

Performance Decomposition

People Also Watch

Frequently Asked Questions

Is TowneBank (TOWN) currently overvalued or undervalued?

What is TowneBank (TOWN) fair value?

How does TOWN's valuation metrics compare to the industry average?

What is the current P/B ratio for TowneBank (TOWN) as of Dec 15 2025?

What is the current FCF Yield for TowneBank (TOWN) as of Dec 15 2025?

What is the current Forward P/E ratio for TowneBank (TOWN) as of Dec 15 2025?

What is the current Forward P/S ratio for TowneBank (TOWN) as of Dec 15 2025?