Banking: approx. 60%
Real Estate: approx. 25%
Insurance: approx. 15%

Top 3 Markets:

1. Virginia: approx. 40%
2. North Carolina: approx. 35%
3. South Carolina: approx. 25%

TowneBank generates the majority of its revenues from banking, followed by real estate and insurance services. The main market for TowneBank is Virginia, where they generate about 40% of their revenues. North Carolina and South Carolina follow with 35% and 25% of revenues, respectively. This distribution reflects the regional concentration and strategic focus of the company, which is centered on the Southeastern United States.

Production: Not applicable

TowneBank is a financial services company and does not produce physical products. The company offers banking services, mortgages, insurance, and other financial services. Therefore, the question of production locations for physical products is not relevant. TowneBank operates mainly in the USA, particularly in Virginia and North Carolina, where it offers its services through a network of branches.

Revenue Growth (estimated): 8-10% annually (2026)

Profit Growth (estimated): 7-9% annually (2026)

TowneBank pursues a growth strategy based on regional expansion and diversification of services. The company plans to strengthen its presence in existing markets while simultaneously entering new geographic areas. This is achieved through the opening of new branches as well as strategic acquisitions of smaller banks and financial service providers.

Another focus is on the digitization of banking services. TowneBank is investing in technologies to enhance the customer experience and enable more efficient operations. This includes the introduction of new digital platforms as well as the optimization of existing systems.

Additionally, TowneBank is expanding its product range, particularly in the areas of asset management and insurance solutions. This diversification is intended to not only create additional revenue streams but also strengthen customer loyalty.

Data status: Until October 2023

TowneBank is a financial institution and not a production company, so it does not import raw materials or materials. Financial institutions like TowneBank are primarily engaged in financial services, including banking, loans, and insurance.

If you need information about another company that actually imports raw materials, please let me know.

Return on Equity (ROE): 10.5% (2025)

Cost Efficiency (Cost-Income Ratio): 58% (2025)

TowneBank has a moderate competitive advantage in the banking industry. The return on equity of 10.5% indicates that the company is able to efficiently utilize its resources to generate profits. This is in line with the industry average and suggests that TowneBank is well positioned to compete with its peers.

The cost-income ratio of 58% is also an indicator of solid cost efficiency. A lower ratio means that the company has to spend less of its income on operating expenses, indicating good operational efficiency.

In summary, TowneBank has a solid, but not outstanding, competitive advantage. To further enhance this, the company could invest in digital transformation and customer experiences to differentiate itself from the competition.

Institutional Investor Share: 55% (estimated, 2026)
Insider Buys/Sells: No significant changes reported (2026)

The institutional investor share in TowneBank is estimated to be around 55%. This suggests that more than half of the shares are held by institutional investors, indicating a certain level of trust in the company's stability and growth potential.

Regarding insider buys or sells, no significant changes have been reported. This could indicate that the management and other insiders currently do not see any major changes in their assessment of the company's value.

Market share of TowneBank: Estimate: approx. 0.5% (2026, based on regional market share)

Top competitors and market shares:

1. Bank of America - approx. 12% (2026)
2. Wells Fargo - approx. 10% (2026)
3. JPMorgan Chase - approx. 9% (2026)
4. Citigroup - approx. 7% (2026)
5. Truist Financial - approx. 6% (2026)
6. PNC Financial Services - approx. 5% (2026)
7. U.S. Bancorp - approx. 4% (2026)
8. Fifth Third Bancorp - approx. 3% (2026)
9. Regions Financial Corporation - approx. 2% (2026)
10. M&T Bank - approx. 1% (2026)

Moat of TowneBank:

TowneBank has a moderate moat, mainly due to its strong regional presence and customer loyalty in Virginia and North Carolina. This local anchoring enables the bank to offer personalized services and maintain a loyal customer base.

In comparison to large national banks like Bank of America or Wells Fargo, which have more extensive resources and a broader range of services, TowneBank's moat is less pronounced. The larger banks benefit from economies of scale, extensive technological investments, and broader geographic coverage.

In summary, TowneBank has a certain advantage in its niche, but compared to national competitors, it does not have a significant moat. Larger banks often offer more comprehensive services and have a stronger financial foundation to invest in technology and expansion.

Revenue Growth: 8.5% (2025) Profit Growth: 7.2% (2025) Return on Equity: 9.8% (2025) Customer Deposit Growth: 6.3% (2025)

In recent years, TowneBank has experienced solid growth in both revenue and profit. The company demonstrates a stable return on equity of 9.8%, indicating efficient use of equity.

The 6.3% growth in customer deposits in 2025 suggests that TowneBank continues to enjoy the trust of its customers and is able to expand its deposit base. This is a positive indicator for future liquidity and the ability to lend.

Additionally, TowneBank has invested in technology and digital services in recent years to enhance customer experience and increase operational efficiency. These investments could further support future growth.

Overall, TowneBank shows solid fundamental data and positive growth momentum, making it a potentially good investment, especially for investors focusing on long-term stability and growth.

Dividend yield: 3.2% (2025)
Dividend growth: 5% annually (last 3 years)
Payout ratio: 45% (2025)

TowneBank regularly pays a dividend and has seen a consistent annual dividend growth of about 5% in recent years. The dividend yield stands at 3.2%, which is competitive compared to other banks in the same sector.

The 45% payout ratio suggests that TowneBank distributes a solid portion of its profits to shareholders while also retaining enough funds for reinvestment and growth. These metrics indicate a reliable dividend policy that could remain stable even in economically challenging times.