TowneBank
Financial ratios & Valuation

Forward Multiples (2025 – 2025)

2025
Price/Earnings ratio
14.54
Price/Sales ratio
3.39
Earnings per Share (EPS)
$2.47

Historical Multiples (2014 – 2023)

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
12.6017.0828.1021.6612.7314.4411.6610.6311.8414.4517.3712.73
Price/Sales ratio
2.193.585.064.233.203.552.563.373.263.282.823.55
Price/Book Value ratio
0.871.311.751.671.111.220.961.201.191.081.201.11
Price/Cash Flow ratio
11.9413.1410.2115.225.54-125.0213.274.415.3813.7730.845.54
Price/Free Cash Flow ratio
16.3118.4411.3117.065.94-38.0020.674.696.1618.9589.035.94
Price/Earnings Growth ratio
3.595.03-8.571.110.385.432.810.22-0.95-0.691.530.38
Dividend Yield
3.01%2.06%1.61%1.81%2.63%2.46%3.07%2.41%2.80%3.21%2.17%2.46%
Profitability Indicator Ratios
Gross Profit Margin
100%100%100%100%100%100%100%100%98.65%139.40%109.32%100%
Operating Profit Margin
35.99%40.94%35.28%41.58%46.76%30.42%26.79%39.79%30.13%42.02%16.27%30.42%
Pretax Profit Margin
26.07%31.13%27.04%32.91%32.33%31.29%30.40%41.21%34.53%27.57%18.93%31.29%
Net Profit Margin
17.42%20.99%18.02%19.55%25.14%24.64%21.97%31.72%27.53%22.75%16.29%24.64%
Effective Tax Rate
28.80%29.04%28.43%37.13%19.89%18.49%15.84%19.58%19.65%16.69%13.62%18.49%
Return on Assets
0.84%0.99%0.84%1.02%1.19%1.16%0.99%1.31%1.19%0.91%0.86%1.16%
Return On Equity
6.92%7.69%6.25%7.74%8.77%8.45%8.23%11.34%10.08%7.53%7.18%8.45%
Return on Capital Employed
1.74%1.93%3.79%4.54%5.24%3.43%3.51%5.89%6.29%1.68%1.15%3.43%
Liquidity Ratios
Current Ratio
N/AN/AN/A1.121.111.11N/AN/AN/AN/A0.551.11
Quick Ratio
N/AN/A1.461.601.440.270.330.430.01N/A0.550.55
Cash ratio
N/AN/A0.030.110.100.060.190.270.09N/A0.300.10
Days of Sales Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Days of Inventory outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Operating Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Days of Payables Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Cash Conversion Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Debt Ratios
Debt Ratio
0.070.060.080.090.090.060.040.030.020.010.010.06
Debt Equity Ratio
0.650.520.630.680.680.430.330.250.180.120.120.43
Long-term Debt to Capitalization
0.390.340.390.400.400.300.240.170.120.110.100.30
Total Debt to Capitalization
0.390.340.390.400.400.300.240.200.150.110.100.30
Interest Coverage Ratio
2.352.852.82N/AN/AN/AN/AN/AN/AN/A0.57N/A
Cash Flow to Debt Ratio
0.110.180.260.160.29-0.020.211.051.170.620.320.29
Company Equity Multiplier
8.187.767.417.537.317.288.278.618.458.258.007.31
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.180.270.490.270.57-0.020.190.760.600.230.09-0.02
Free Cash Flow / Operating Cash Flow Ratio
0.730.710.900.890.933.280.640.930.870.720.343.28
Cash Flow Coverage Ratio
0.110.180.260.160.29-0.020.211.051.170.620.320.29
Short Term Coverage Ratio
N/AN/AN/AN/AN/AN/AN/A5.895.44N/AN/AN/A
Dividend Payout Ratio
38.03%35.24%45.41%39.28%33.53%35.57%35.89%25.67%33.20%46.43%50.20%33.53%