TowneBank (TOWN) Stock Analysis & Winston Score

TowneBank provides retail and commercial banking services for individuals, commercial enterprises, and professionals. The company operates through three segments: Banking, Realty, and Insurance. It accepts various deposits, including demand deposits, savings accounts, money rate savings, certificates of deposit, and individual retirement accounts. The company also offers secured and unsecured personal loans for financing automobiles, home improvements, education, and personal investments; commer

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-0.2% YoY

YoY Growth Rate

Revenue declining

EPS Growth

-32.8% YoY

YoY Growth Rate

Earnings declining

Insider Activity

5.5%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Position

Cash flow positive

$95M cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Revenue declining

TowneBank's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

70.1%

Premium pricing power — 70.1% gross margin

Operating Margin

19.3%

Healthy — 19.3% operating margin

ROCE

1.5%

Weak — 1.5% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+4.4%

Slow sales growth (4.4% YoY)

EPS YoY

-15.3%

Earnings shrinking (-15.3% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

EPS Consistency

0/8 quarters

Earnings rarely grow — volatile business

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Cash Flow

Cash Conversion

113%

Turns 113% of profit into real cash

FCF Margin

11.8%

Modest free cash flow (11.8%)

FCF margin between 10% and 20%. Every $100 in sales becomes $10 to $20 in real cash.

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Stability

Debt / Equity

0.17

Conservative — low debt load (0.17)

Interest Cover

0.69x

Dangerous — barely covers interest (0.7x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

P/E Ratio (TTM)

17.9x

no trend

Fair value — P/E 17.9

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward

+6.4

GROWING

Earnings expected to grow meaningfully — cheaper on forward P/E (17.9 → 11.5)

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Dividends

Dividend Yield

4.91%

no trend

Healthy income — 4.91% yield

Generous yield. Worth checking whether the payout is sustainable.

Dividend Growth

+46.2%

no trend

Dividend growing fast (46.2% YoY)

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