TowneBank cash flow to debt ratio of 70.45% indicates that the company generates enough cash to cover a substantial portion of its debt. This level indicates very strong financial health.

TowneBank's free cash flow has increased 161.02% from $81.09M last year to $211.67M, signaling increasing performance

TowneBank's debt to equity ratio is 0.15, which means that the company's assets are healthy financed, signaling financial stability.

TowneBank's debt has increased relative to shareholder equity from 0.14 last year to 0.15 today, signaling weakened financials

TowneBank has a net debt to EBITDA ratio of 0.47x, which is below the 3.00x threshold, indicating healthy leverage and financial stability

TowneBank earns at least as much interest as it pays. Interest obligations are fully covered.

TowneBank's profit margin has increased (52.85%) in the last year from 15.79% to 24.14%, signaling increasing performance

TowneBank's short-term liabilities of $13.50B exceed its short-term assets of $1.35B, signaling financial risk

TowneBank's return on assets of 1.39% is lower than the 5.00% threshold, indicating inefficient asset utilization

TowneBank's return on equity of 11.66%, is lower than 15.00%, indicating bad performance

TowneBank's operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

TowneBank had positive net income in 5 out of 5 years, indicating stable and consistent earnings

TowneBank has positive free cash flow, indicating the company generates cash after capital expenditures

TowneBank has a free cash flow yield of 6.17%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

TowneBank's yearly earnings has increased 4.80% since last year from $161.76M to $169.53M, signaling increasing performance

TowneBank's yearly revenue has decreased 20.76% since last year from $1.02B to $811.78M, signaling decreasing performance

ROIC 1.39% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

TowneBank's 3-year revenue CAGR of 10.70% is positive, indicating growing revenue over the past 3 years

TowneBank had revenue growth in 3 out of 5 years, indicating consistent revenue performance

TowneBank had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

TowneBank is undervalued relative to its fair value price of 47.64 based on Discounted Cash Flow model

TowneBank has an earnings yield of 9.14%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

TowneBank is overvalued relative to its fair value price of 17.72 based on EBITDA multiple model

TowneBank has an EV/EBITDA ratio of 14.17x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

TowneBank is undervalued relative to its fair value price of 47.00 based on Earnings Fair Value model

TowneBank has a PEG-ratio over 1 which is considered overvalued

TowneBank has a price-to-book ratio of 1.14x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

TowneBank has a price-to-sales ratio of 2.64x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue