ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is TowneBank ?
1
The company has declared Positive results for the last 5 consecutive quarters
- NII(Q) Highest at USD 172.94 MM
- NET SALES(Q) Highest at USD 250.4 MM
- NET PROFIT(Q) Highest at USD 66.93 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 0.70%, its profits have risen by 31.8% ; the PEG ratio of the company is 0.7
3
High Institutional Holdings at 53.94%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
4
Underperformed the market in the last 1 year
- The stock has generated a return of 0.70% in the last 1 year, much lower than market (S&P 500) returns of 22.99%
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?
Medium Risk, Medium Return
Absolute
Risk Adjusted
Volatility
TowneBank
0.7%
1.38
23.43%
S&P 500
22.99%
1.78
12.93%
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 Trend14What is working for the Company
NII(Q)
Highest at USD 172.94 MM
NET SALES(Q)
Highest at USD 250.4 MM
NET PROFIT(Q)
Highest at USD 66.93 MM
DIVIDEND PAYOUT RATIO(Y)
Highest at 59.56%
DIVIDEND PER SHARE(HY)
Highest at USD 0
CREDIT DEPOSIT RATIO(HY)
Highest at 82.58%
OPERATING PROFIT(Q)
Highest at USD 87.4 MM
OPERATING PROFIT MARGIN(Q)
Highest at 34.9 %
PRE-TAX PROFIT(Q)
Highest at USD 81.9 MM
-5What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 180.03 MM
GROSS NPA (%)
(Q
EPS(Q)
Lowest at USD 0.45
Here's what is working for TowneBank
NII
Highest at USD 172.94 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 250.4 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 66.93 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
At USD 250.4 MM has Grown at 18.36%
over average net sales of the previous four periods of USD 211.57 MMMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 87.4 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 34.9 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 81.9 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
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 82.58%
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 (%)
Dividend Payout Ratio
Highest at 59.56%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Depreciation
Highest at USD 13.16 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
Non Performing Loans (%)
Highest at 0.21%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Operating Cash Flow
Lowest at USD 180.03 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
EPS
Lowest at USD 0.45
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (USD)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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