TOWN
Financial ServicesTowneBank · Banks - Regional · $3B
TOWN Price History
+35.9% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in TowneBank?
Based on TowneBank's historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
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- ✓Detailed 6-pillar UQS breakdown with exact scores
- ✓All 29 metrics with sector-calibrated comparisons
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- ✓Score history chart with change notifications
Pro Analysis
TOWN — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| Sep 5, 2026 | 5.8 | 0.0 | 23.0 | 0.0 | 0.0 | 0.0 | -43.6 |
| Aug 15, 2026 | 49.4 | 58.1 | 23.0 | 24.3 | 73.4 | 88.6 | 0.0 |
| Aug 8, 2026 | 49.4 | 58.1 | 23.0 | 24.3 | 73.4 | 88.4 | -2.8 |
| Aug 5, 2026 | 52.2 | 69.3 | 23.0 | 24.3 | 73.4 | 88.3 | -2.9 |
| Jul 30, 2026 | 55.1 | 69.3 | 23.0 | 37.2 | 73.4 | 90.1 | -1.6 |
| Jul 25, 2026 | 56.7 | 72.3 | 23.0 | 37.1 | 73.4 | 96.0 | -0.2 |
| Jul 24, 2026 | 56.9 | 72.6 | 23.0 | 37.3 | 73.4 | 96.7 | +7.1 |
| Jul 23, 2026 | 49.8 | 48.8 | 23.0 | 37.3 | 72.7 | 90.1 | +0.1 |
| Jul 21, 2026 | 49.7 | 48.7 | 23.0 | 37.3 | 72.7 | 89.1 | +0.1 |
| Jul 18, 2026 | 49.6 | 48.7 | 23.0 | 37.3 | 72.7 | 88.9 | +0.1 |
TOWN — Pillar Breakdown
Quality
— 0.0/100 (25%)TowneBank currently shows below-average quality metrics, suggesting challenges with profitability.
Ability to convert revenue into operating profit.
Free cash flow relative to market value.
Growth
— 0.0/100 (20%)TowneBank faces growth headwinds with declining or stagnant revenue trends.
Revenue trajectory over the last twelve months.
Analyst consensus for future revenue growth.
Risk
— 0.0/100 (15%)TowneBank presents elevated risk with concerns around leverage or financial stability.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 0.0/100 (15%)TowneBank appears expensively valued relative to its fundamentals and growth prospects.
Moat
— 23/100 (25%)TowneBank operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for TOWN.
Score Composition
Financial Data
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How is the TOWN UQS Score Calculated?
The UQS (Unified Quality Score) for TowneBank is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses TowneBank's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether TowneBank is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.