3T8 Stock Chart & Stats
€33.00
-€0.80(-2.37%)
At close: 4:00 PM EDT
€33.00
-€0.80(-2.37%)
Day’s Range― - ―
52-Week Range€27.20 - €34.00
Previous CloseN/A
Volume0.00
Average Volume (3M)6.00
Market Cap
€3.03B
Enterprise Value€3.65K
Total Cash (Recent Filing)€158.77M
Total Debt (Recent Filing)€450.24M
Price to Earnings (P/E)10.6
Beta0.53
Next Earnings
Oct 22, 2026EPS Estimate
0.71Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)3.58
Shares Outstanding92,185,160
10 Day Avg. Volume0
30 Day Avg. Volume6
Financial Highlights & Ratios
PEG Ratio5.41
Price to Book (P/B)1.06
Price to Sales (P/S)2.54
P/FCF Ratio12.09
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€33.83Price Target Upside2.50% Upside
Rating ConsensusHold
Number of Analyst Covering2
EPS Forecast (FY)2.74
Revenue Forecast (FY)€865.69M
Bulls Say, Bears Say
Bulls Say
Conservative Balance SheetTowneBank’s low debt-to-equity (~0.17) and growing equity base provide durable financial flexibility. Conservative leverage supports regulatory cushions, protects capital through credit cycles, and enables the bank to fund lending or absorb losses without forcing dilutive capital moves or deep cost cuts.
Diversified Net Income StreamsThe business model mixes net interest income from loans/securities with fee-based noninterest income, creating stable multi-channel revenue. This structural mix reduces single-factor sensitivity to rate moves, supports margins when lending slows, and anchors customer relationships that drive recurring fees.
Sustainable Banking MarginsMargins near mid-teens indicate durable earnings power versus peers and reflect disciplined pricing and fee capture. Even as growth cools, these margins provide operating leverage to fund expenses, maintain dividend capacity, and support reinvestment in branches and treasury services over the medium term.
Bears Say
Top-line ContractionA persistent revenue decline reduces operating leverage and constrains the bank’s ability to scale fixed-cost activities. Over several quarters, shrinking top-line can force pricing or cost trade-offs, pressure investment in growth initiatives, and make ROE recovery harder without higher risk-taking.
Weakened Cash GenerationA near-40% fall in trailing free cash flow and volatile coverage metrics undermine the predictability of internal funding. Inconsistent cash conversion can limit capacity for dividends, organic growth, or opportunistic balance-sheet actions, and raises the risk that earnings don’t translate reliably into shareholder returns.
Low And Falling ROEReturn on equity materially below past peaks signals reduced capital efficiency. Persistently lower ROE can limit capital deployment options and investor flexibility; restoring ROE typically requires sustained revenue growth or margin expansion, which may force higher risk or cost reduction over the medium term.
TowneBank News
3T8 FAQ
What was TowneBank’s price range in the past 12 months?
TowneBank lowest stock price was €27.20 and its highest was €34.00 in the past 12 months.
What is TowneBank’s market cap?
TowneBank’s market cap is €3.03B.
When is TowneBank’s upcoming earnings report date?
TowneBank’s upcoming earnings report date is Oct 22, 2026 which is in 78 days.
How were TowneBank’s earnings last quarter?
TowneBank released its earnings results on Jul 23, 2026. The company reported €0.681 earnings per share for the quarter, missing the consensus estimate of €0.691 by -€0.01.
Is TowneBank overvalued?
According to Wall Street analysts TowneBank’s price is currently Undervalued.
Does TowneBank pay dividends?
TowneBank does not currently pay dividends.
What is TowneBank’s EPS estimate?
TowneBank’s EPS estimate is 0.71.
How many shares outstanding does TowneBank have?
TowneBank has 92,185,160 shares outstanding.
What happened to TowneBank’s price movement after its last earnings report?
TowneBank reported an EPS of €0.681 in its last earnings report, missing expectations of €0.691. Following the earnings report the stock price went down -0.633%.
Which hedge fund is a major shareholder of TowneBank?
Currently, no hedge funds are holding shares in DE:3T8
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
TowneBank Stock Smart Score
Neutral
1
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3
4
5
6
7
8
9
10
Analyst Consensus
Hold
Average Price Target:
€33.83 (2.50% Upside)
€33.83 (2.50% Upside)
Blogger Sentiment
Bullish
DE:3T8 Sentiment 100%
Sector Average ―
Sector Average ―
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
6.68%
12-Months-Change
Fundamentals
Return on Equity
4.77%
Trailing 12-Months
Asset Growth
23.83%
Trailing 12-Months
Company Description
TowneBank
TowneBank functions as a comprehensive financial institution, delivering a wide array of retail and commercial banking services to individuals, businesses, and professionals. Its operations are structured across three primary divisions: Banking, Realty, and Insurance. Clients can establish diverse deposit accounts, such as checking accounts, standard savings, high-yield savings, certificates of deposit (CDs), and individual retirement accounts. The bank facilitates various lending solutions, including secured and unsecured personal loans for purchases like vehicles, home renovations, educational expenses, and individual investments. It also extends commercial loans designed for working capital, business growth, and the acquisition of equipment. Furthermore, TowneBank provides mortgage financing, encompassing general home loans and specialized loans for real estate acquisition, development, and construction. Beyond core lending and deposit offerings, TowneBank delivers practical services like safe deposit boxes, comprehensive treasury management, direct deposit for paychecks and government benefits, and automated transfers. Modern banking conveniences are also available through its online, mobile, and on-call platforms. Moreover, it supports investors with documentation for tax deferral, offers expertise in investment and asset management, and provides commercial mortgage brokerage. The institution also delivers a suite of financial planning services, including retirement and estate planning, and guides clients through diverse investment opportunities like alternative investments, annuities, margin accounts, convertible bonds, and pension and profit-sharing programs. Its realty division handles residential real estate services, including relocation assistance, property management, vacation rentals, and title and settlement processes. It also originates residential mortgage loans. Through its insurance arm, TowneBank furnishes various types of coverage, such as life, property, casualty, and auto insurance. It additionally administers employee benefits packages, encompassing health, dental, vision, and disability insurance. TowneBank maintains a regional presence across Richmond and the greater Hampton Roads area in southeastern Virginia, extending into northeastern North Carolina, Raleigh, Charlotte, Greensboro, and Greenville, North Carolina. Founded in 1998, TowneBank's corporate headquarters are situated in Portsmouth, Virginia.
3T8 Stock 12 Month Forecast
Average Price Target
€33.83
▲(2.50% Upside)