TowneBank (TOWN) Financial Ratios

For fiscal 2025 (fiscal year ended Dec 31, 2025), TowneBank had a P/E ratio of 15.32 (down from 15.64), return on equity of 7.5% (down from 7.7%), debt-to-equity of 0.18 (up from 0.17) and return on assets of 0.9% (down from 0.9%). Its dividend yield was 3.18% with a payout ratio of 46.8%.

TowneBank Financial Ratios Analysis

Valuation, profitability, leverage, and liquidity ratios

Income Statement Balance Sheet Cash Flow Ratios

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Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Valuation Ratios
P/E Ratio	15.32	15.64	14.35	11.73	10.53	11.58
Forward P/E	9.82	14.37	15.14	10.01	13.50	12.84
P/S Ratio	3.20	3.64	3.26	3.27	3.25	2.82
P/B Ratio	1.07	1.18	1.07	1.17	1.18	0.94
Price/Tangible Book	1.50	1.56	1.45	1.62	1.63	1.33
Price/FCF	12.27	31.12	18.77	6.11	4.65	20.53
Price/OCF	9.93	18.32	13.81	5.34	4.37	13.18
Enterprise Value Ratios
Profitability & Returns
Return on Equity (ROE)	7.46%	7.73%	7.84%	10.01%	12.16%	9.86%
Return on Assets (ROA)	0.93%	0.95%	0.95%	1.18%	1.45%	1.27%
Leverage & Solvency Ratios
Debt/Equity	0.18	0.17	0.28	0.21	0.28	0.57
Debt/FCF	2.03	4.36	4.93	1.10	1.10	12.42
Liquidity Ratios
Efficiency Ratios
Yield & Distribution Ratios
Earnings Yield	6.53%	6.39%	6.97%	8.52%	9.50%	8.64%
FCF Yield	8.15%	3.21%	5.33%	16.38%	21.51%	4.87%
Dividend Yield	3.18%	2.94%	3.29%	2.89%	2.47%	3.59%
Payout Ratio	46.78%	46.49%	46.59%	33.20%	25.67%	35.90%
Buyback Yield	-2.10%	-0.68%	-2.87%	-0.02%	-0.30%	-0.22%
Total Return	1.07%	2.26%	0.42%	2.87%	2.17%	3.37%

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About TowneBank Financial Ratios

What is TowneBank's P/E ratio?

TowneBank's P/E ratio was 15.32 for fiscal 2025 (period ended Dec 31, 2025). It was 15.64 a year earlier.

What is TowneBank's return on equity?

TowneBank's return on equity (ROE) was 7.5% for fiscal 2025 (period ended Dec 31, 2025). It was 7.7% a year earlier.

What is TowneBank's debt-to-equity ratio?

TowneBank's debt-to-equity ratio was 0.18 for fiscal 2025 (period ended Dec 31, 2025). It was 0.17 a year earlier.

What is return on equity (ROE)?

Return on equity is net income divided by shareholders' equity. It measures how much profit a company generates from the capital its shareholders have invested. Full definition