TowneBank(TOWN)
$36.62+0.21 (+0.58%)
TOWN
TowneBank financials statements
$36.62
At close:+0.21 (+0.58%)
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TowneBank (TOWN) Ratios
123 Followers
TowneBank Ratios
TOWN's free cash flow for Q3 2026 was $103.83M. For the 2026 fiscal year, TOWN's free cash flow was decreased by $-7.05M and operating cash flow was $110.88M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.10 | 0.10 | 0.23 | 0.22 | 0.37 |
| Quick Ratio | 0.10 | 0.10 | 0.23 | 0.22 | 0.37 |
| Cash Ratio | 0.02 | 0.09 | 0.08 | 0.09 | 0.24 |
| Solvency Ratio | 0.01 | 0.01 | 0.01 | 0.02 | 0.02 |
| Operating Cash Flow Ratio | 0.02 | 0.01 | 0.01 | 0.03 | 0.04 |
| Short-Term Operating Cash Flow Coverage | 7.51 | 4.11 | 4.91 | 10.15 | 6.76 |
| Net Current Asset Value | $ -15.91B | $ -13.69B | $ -11.52B | $ -10.96B | $ -9.34B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.02 | 0.02 | 0.03 | 0.02 | 0.03 |
| Debt-to-Equity Ratio | 0.15 | 0.14 | 0.24 | 0.17 | 0.25 |
| Debt-to-Capital Ratio | 0.13 | 0.12 | 0.19 | 0.15 | 0.20 |
| Long-Term Debt-to-Capital Ratio | 0.12 | 0.11 | 0.18 | 0.13 | 0.18 |
| Financial Leverage Ratio | 8.13 | 8.06 | 8.25 | 8.46 | 8.61 |
| Debt Service Coverage Ratio | 0.66 | 0.54 | 0.68 | 2.25 | 2.15 |
| Interest Coverage Ratio | 0.74 | 0.57 | 0.75 | 4.19 | 6.81 |
| Debt to Market Cap | 0.14 | 0.12 | 0.22 | 0.14 | 0.21 |
| Interest Debt Per Share | 8.52 | 8.39 | 9.91 | 5.16 | 7.21 |
| Net Debt to EBITDA | 0.47 | -4.62 | -2.88 | -3.14 | -9.12 |
| Profitability Margins | |||||
| Gross Profit Margin | 69.58% | 67.60% | 71.76% | 91.23% | 96.62% |
| EBIT Margin | 20.86% | 18.58% | 19.76% | 31.91% | 38.86% |
| EBITDA Margin | 24.85% | 22.02% | 23.39% | 35.77% | 42.86% |
| Operating Profit Margin | 20.86% | 18.58% | 19.76% | 31.91% | 38.86% |
| Pretax Profit Margin | 20.86% | 18.58% | 19.76% | 31.91% | 38.86% |
| Net Profit Margin | 16.82% | 15.79% | 16.31% | 25.44% | 29.91% |
| Continuous Operations Profit Margin | 16.94% | 15.89% | 16.46% | 25.64% | 31.25% |
| Net Income Per EBT | 80.64% | 84.96% | 82.54% | 79.72% | 76.97% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 0.86% | 0.94% | 0.91% | 1.19% | 1.32% |
| Return on Equity (ROE) | 7.00% | 7.56% | 7.54% | 10.08% | 11.34% |
| Return on Capital Employed (ROCE) | 3.40% | 6.86% | 6.40% | 9.44% | 10.32% |
| Return on Invested Capital (ROIC) | 2.74% | 5.79% | 5.27% | 7.47% | 8.07% |
| Return on Tangible Assets | 0.89% | 0.97% | 0.94% | 1.23% | 1.36% |
| Earnings Yield | 6.62% | 6.34% | 6.92% | 8.45% | 9.41% |
| Efficiency Ratios | |||||
| Receivables Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Payables Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 2.34 | 2.78 | 2.79 | 2.44 | 2.66 |
| Asset Turnover | 0.05 | 0.06 | 0.06 | 0.05 | 0.04 |
| Working Capital Turnover Ratio | -0.08 | -0.09 | -0.09 | -0.08 | -0.08 |
| Cash Conversion Cycle | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Sales Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Cycle | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 3.41 | 1.85 | 2.16 | 5.73 | 7.16 |
| Free Cash Flow Per Share | 2.76 | 1.08 | 1.57 | 5.01 | 6.73 |
| Dividend Paid and CapEx Coverage Ratio | 2.03 | 1.05 | 1.40 | 3.61 | 6.00 |
| Capital Expenditure Coverage Ratio | 5.25 | 2.42 | 3.65 | 7.95 | 16.63 |
| Operating Cash Flow Coverage Ratio | 0.70 | 0.47 | 0.33 | 1.31 | 1.08 |
| Operating Cash Flow to Sales Ratio | 0.26 | 0.14 | 0.17 | 0.56 | 0.72 |
| Free Cash Flow Yield | 8.27% | 3.18% | 5.27% | 16.23% | 21.30% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 15.03 | 15.77 | 14.45 | 11.84 | 10.63 |
| Price-to-Sales (P/S) Ratio | 2.54 | 2.49 | 2.36 | 3.01 | 3.18 |
| Price-to-Book (P/B) Ratio | 1.06 | 1.19 | 1.09 | 1.19 | 1.21 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 12.09 | 31.47 | 18.96 | 6.16 | 4.70 |
| Price-to-Operating Cash Flow Ratio | 9.79 | 18.45 | 13.77 | 5.39 | 4.41 |
| Price-to-Earnings Growth (PEG) Ratio | 5.41 | 3.25 | -0.70 | -0.95 | 0.22 |
| Enterprise Value Multiple | 10.69 | 6.69 | 7.19 | 5.28 | -1.70 |
| Enterprise Value | 2.68B | 1.51B | 1.59B | 1.40B | -525.21M |
| EV to EBITDA | 10.69 | 6.69 | 7.19 | 5.28 | -1.70 |
| EV to Sales | 2.66 | 1.47 | 1.68 | 1.89 | -0.73 |
| EV to Free Cash Flow | 12.65 | 18.62 | 13.53 | 3.86 | -1.08 |
| EV to Operating Cash Flow | 10.24 | 10.91 | 9.83 | 3.38 | -1.01 |
| Tangible Book Value Per Share | 22.66 | 21.86 | 20.56 | 19.12 | 19.43 |
| Shareholders’ Equity Per Share | 31.57 | 28.55 | 27.33 | 25.83 | 26.21 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.19 | 0.15 | 0.17 | 0.20 | 0.20 |
| Revenue Per Share | 13.14 | 13.67 | 12.63 | 10.24 | 9.94 |
| Net Income Per Share | 2.21 | 2.16 | 2.06 | 2.60 | 2.97 |
| Tax Burden | 0.81 | 0.85 | 0.83 | 0.80 | 0.77 |
| Interest Burden | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.37 | 0.31 | 0.31 | 0.36 | 0.35 |
| Stock-Based Compensation to Revenue | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Income Quality | 1.53 | 0.86 | 1.04 | 2.18 | 2.31 |
Currency in USD
