ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is TowneBank ?
1
Positive results in Jun 25
- NII(Q) Highest at USD 137.21 MM
- DIVIDEND PAYOUT RATIO(Y) Highest at 52.27%
- CASH AND EQV(HY) Highest at USD 275.99 MM
2
With ROA of 0.82%, it has a attractive valuation with a 1.17 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 -8.87%, its profits have risen by 16.4% ; the PEG ratio of the company is 1.1
3
High Institutional Holdings at 60.94%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 0.56% over the previous quarter.
4
Below par performance in long term as well as near term
- Along with generating -8.87% returns in the last 1 year, the stock has also underperformed S&P 500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- 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
-6.32%
1.15
25.29%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
11.19%
EBIT Growth (5y)
4.05%
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
46.47%
Pledged Shares
0
Institutional Holding
60.94%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
14
Industry P/E
Price to Book Value
1.17
EV to EBIT
5.92
EV to EBITDA
4.92
EV to Capital Employed
1.56
EV to Sales
1.32
PEG Ratio
1.14
Dividend Yield
2.91%
ROCE (Latest)
26.42%
ROE (Latest)
8.12%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend12What is working for the Company
NII(Q)
Highest at USD 137.21 MM
DIVIDEND PAYOUT RATIO(Y)
Highest at 52.27%
CASH AND EQV(HY)
Highest at USD 275.99 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
NET SALES(Q)
Highest at USD 207.63 MM
OPERATING PROFIT(Q)
Highest at USD 69.1 MM
OPERATING PROFIT MARGIN(Q)
Highest at 33.28 %
PRE-TAX PROFIT(Q)
Highest at USD 69.1 MM
NET PROFIT(Q)
Highest at USD 53.45 MM
-1What is not working for the Company
EPS(Q)
Lowest at USD 0.52
Here's what is working for TowneBank
NII
Highest at USD 137.21 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 207.63 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 69.1 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 33.28 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 69.1 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 53.45 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Cash and Eqv
Highest at USD 275.99 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Dividend Payout Ratio
Highest at 52.27%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Depreciation
Highest at USD 9.68 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (USD MM)
Here's what is not working for TowneBank
EPS
Lowest at USD 0.52
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (USD)
Capital Adequacy Ratio
Lowest at 11.82%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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