ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is TowneBank ?
1
With a growth in Interest of NAN%, the company declared Outstanding results in Jun 26
- The company has declared positive results for the last 6 consecutive quarters
- NII(Q) Highest at USD 185.12 MM
- ROCE(HY) Highest at 1.54%
- NET SALES(Q) Highest at USD 260.64 MM
2
With ROA of 0.59%, it has a expensive valuation with a 1.26 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 1.90%, its profits have risen by 31.8% ; the PEG ratio of the company is 0.7
3
Rising Promoter Confidence
- Promoters have increased their stake in the company by 1.69% over the previous quarter and currently hold 1.69% of the company
- Promoters increasing their stake is a sign of high confidence in the future of the business
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to TowneBank should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is TowneBank for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
TowneBank
1.9%
1.93
21.61%
S&P 500
15.36%
1.17
13.09%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
12.96%
EBIT Growth (5y)
1.58%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
47.99%
Pledged Shares
0
Institutional Holding
53.94%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
14
Industry P/E
Price to Book Value
1.26
EV to EBIT
7.02
EV to EBITDA
5.95
EV to Capital Employed
1.68
EV to Sales
1.86
PEG Ratio
0.65
Dividend Yield
2.59%
ROCE (Latest)
23.92%
ROE (Latest)
8.79%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
No Trend
Mildly Bearish
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend32What is working for the Company
NII(Q)
Highest at USD 185.12 MM
ROCE(HY)
Highest at 1.54%
NET SALES(Q)
Highest at USD 260.64 MM
NET PROFIT(Q)
Highest at USD 201.74 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
CREDIT DEPOSIT RATIO(HY)
Highest at 81.06%
OPERATING PROFIT(Q)
Highest at USD 96.07 MM
OPERATING PROFIT MARGIN(Q)
Highest at 36.86 %
PRE-TAX PROFIT(Q)
Highest at USD 264.91 MM
EPS(Q)
Highest at USD 2.09
-3What is not working for the Company
ROCE(HY)
Lowest at 1.54%
DIVIDEND PAYOUT RATIO(Y)
Lowest at 13.4%
Here's what is working for TowneBank
Pre-Tax Profit
At USD 264.91 MM has Grown at 268.94%
over average net sales of the previous four periods of USD 71.8 MMMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
At USD 201.74 MM has Grown at 252.5%
over average net sales of the previous four periods of USD 57.23 MMMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
NII
Highest at USD 185.12 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
Highest at USD 260.64 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Net Profit
Highest at USD 201.74 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Operating Profit
Highest at USD 96.07 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 36.86 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 264.91 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
EPS
Highest at USD 2.09
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Credit Deposit Ratio
Highest at 81.06%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for TowneBank
Dividend Payout Ratio
Lowest at 13.4%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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