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TOWNTowne BankSell6.3·$34.10-0.12%
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Towne Bank (TOWN) Stock Analysis

Range Bound setup

SellModerate Confidence

Financial Services · Banks - Regional

Sell if holding. Analyst target reached at $34.10 — A.R:R is negative (-0.4) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: V7 low-quality RISK_OFF penalty: -0.5 (Q=5.2).

TowneBank provides retail and commercial banking services for individuals, commercial enterprises, and professionals in the United States. It operates through four segments: Banking, Mortgage, Resort Vacation Management, and Insurance. The company provides treasury solutions and... Read more

$34.10+1.0% A.UpsideScore 6.3/10#28 of 142 Banks - Regional
QualityF-score8 / 9FCF yield
IncomeYield3.20%(5y avg 3.09%)Payout51.92%sustainable
Stop $32.78Target $34.44(resistance)A.R:R -0.4:1
Analyst target$39.25+15.1%4 analysts
$34.44our TP
$34.10price
$39.25mean
$41

Sell if holding. Analyst target reached at $34.10 — A.R:R is negative (-0.4) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: V7 low-quality RISK_OFF penalty: -0.5 (Q=5.2). Chart setup: RSI 48 mid-range, Bollinger mid-band. Score 6.3/10, moderate confidence.

Passes 7/9 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, earnings proximity 43d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: aggressive.

news + 30-day 8-K events · 5-min refresh

Recent developments

updated 2026-06-09
TrendMatrix Research · upcoming catalyst calendar

Upcoming dated catalysts

Wed, Jul 22, 202643d to earnings· next earnings call

Thesis

Rewards
Sector modifier (Financial Services): +1.0
Attractive valuation
Strong growth profile
Risks
Analyst target reached - limited upside remaining
V7 low-quality RISK_OFF penalty: -0.5 (Q=5.2)
Consecutive earnings misses (2)

Key Metrics

P/E (TTM)16.4
P/E (Fwd)9.8
Mkt Cap$3.1B
EV/EBITDA
Profit Mgn19.0%
ROE6.6%
Rev Growth36.2%
Beta0.71
Dividend3.20%
Rating analysts10

Quality Signals

Piotroski F8/9

Options Flow

P/C0.54bullish
IV103%elevated

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.

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Methodology · Editorial policy & full disclaimer

Rating Breakdown

1 ceiling hit

GatesA.R:R -0.4=NEGATIVEMomentum 5.0<5.5 (soft — BUY_NOW allowed but watch)Momentum 5.0>=4.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 43d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARRange BoundSuitability: Aggressive
RSI
48 · Neutral
20D MA 50D MA 200D MAGOLDEN CROSSSupport $33.10Resistance $35.14

Price Targets

$33
$34
A.Upside+1.0%
A.R:R-0.4:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeRisk-Off

Risk Alerts

! Target reached (-2.2% upside)
! NEWS_MOD=-2: HOLD_IF_HOLDING → SELL_IF_HOLDING
! Negative risk/reward — downside exceeds upside

Earnings

B
B
M
M
2/4 beats
Next Earnings2026-07-22 (43d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is TOWN stock a buy right now?

Sell if holding. Analyst target reached at $34.10 — A.R:R is negative (-0.4) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: V7 low-quality RISK_OFF penalty: -0.5 (Q=5.2). Chart setup: RSI 48 mid-range, Bollinger mid-band. Prior stop was $32.78. Score 6.3/10, moderate confidence.

What is the TOWN stock price target?

Take-profit target: $34.44 (+1.0% upside). Prior stop was $32.78. Stop-loss: $32.78.

What are the risks of investing in TOWN?

Analyst target reached - limited upside remaining; V7 low-quality RISK_OFF penalty: -0.5 (Q=5.2); Consecutive earnings misses (2).

Is TOWN overvalued or undervalued?

Towne Bank trades at a P/E of 16.4 (forward 9.8). TrendMatrix value score: 7.8/10. Verdict: Sell.

What do analysts say about TOWN?

10 analysts cover TOWN with a consensus score of 3.9/5. Average price target: $39.

What does Towne Bank do?TowneBank provides retail and commercial banking services for individuals, commercial enterprises, and professionals in...

TowneBank provides retail and commercial banking services for individuals, commercial enterprises, and professionals in the United States. It operates through four segments: Banking, Mortgage, Resort Vacation Management, and Insurance. The company provides treasury solutions and deposit products, including checking accounts, savings accounts, and various types of time deposit services, such as daily money market accounts and long-term certificates of deposit; transaction accounts and certificates of deposit; and retirement account services comprising individual retirement accounts. It also offers safe deposit boxes, treasury management services, direct deposit of payroll and social security checks, and automatic drafts for various accounts; secured and unsecured loans for financing automobiles, home improvements, education, and personal investments; and secured and unsecured loans for working capital, business expansion, equipment and machinery purchases, fixed- and floating-rate mortgage loans, and larger commercial loans, as well as real estate acquisition, development, and construction loans. In addition, the company can act as a qualified intermediary assisting investors; provides other financial services, such as financial, retirement, and estate planning; and offers assistance on a various investment option, including alternative investments, annuities, margin accounts, convertible bonds, and pension and profit-sharing plans. Further, it provides residential mortgage loans; residential resort property management; property, casualty, life, and health insurance products for businesses, individuals, and community organizations; and commercial and consumer insurance products and financial services, as well as individual and group life and health insurance. Additionally, the company offers online banking, mobile banking, and on-call banking. TowneBank was incorporated in 1998 and is based in Portsmouth, Virginia.

Related stocks: GABC (German American Bancorp, Inc.) · IFS (Intercorp Financial Services In) · CUBI (Customers Bancorp, Inc) · NIC (Nicolet Bankshares Inc.) · WSBC (WesBanco, Inc.)
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