ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is TowneBank ?
1
Positive results in Dec 25
- NII(Q) Highest at USD 158.96 MM
- NET PROFIT(Q) Highest at USD 54.57 MM
- CASH AND EQV(HY) Highest at USD 282.59 MM
2
With ROA of 0.82%, it has a expensive valuation with a 1.22 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 -4.65%, its profits have risen by 24.3% ; the PEG ratio of the company is 0.7
3
High Institutional Holdings at 59.13%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
4
Below par performance in long term as well as near term
- Along with generating -4.65% 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, Medium Return
Absolute
Risk Adjusted
Volatility
TowneBank
-4.65%
1.07
25.04%
S&P 500
17.78%
0.92
19.35%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
12.96%
EBIT Growth (5y)
1.84%
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
47.96%
Pledged Shares
0
Institutional Holding
59.13%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
14
Industry P/E
Price to Book Value
1.22
EV to EBIT
6.86
EV to EBITDA
5.78
EV to Capital Employed
1.58
EV to Sales
1.66
PEG Ratio
0.71
Dividend Yield
2.86%
ROCE (Latest)
23.08%
ROE (Latest)
8.48%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend11What is working for the Company
NII(Q)
Highest at USD 158.96 MM
NET PROFIT(Q)
Highest at USD 54.57 MM
CASH AND EQV(HY)
Highest at USD 282.59 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
NET SALES(Q)
Highest at USD 230.67 MM
OPERATING PROFIT(Q)
Highest at USD 71.73 MM
PRE-TAX PROFIT(Q)
Highest at USD 71.74 MM
-2What is not working for the Company
GROSS NPA (%)
(Q
Here's what is working for TowneBank
NII
Highest at USD 158.96 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Profit
Highest at USD 54.57 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Net Sales
Highest at USD 230.67 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 71.73 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Pre-Tax Profit
Highest at USD 71.74 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Cash and Eqv
Highest at USD 282.59 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)
Here's what is not working for TowneBank
Non Performing Loans (%)
Highest at 0.09%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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