TOWN - NASDAQ
TowneBank
$33.16
-0.87%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; commercial loans for working capital, business expansion, and equipment and machinery purchases; and mortgage loans, as well as real estate acquisition, development, and construction loans. In addition, it provides other services, such as safe deposit boxes, treasury management services, direct deposit of payroll and social security checks, and automatic drafts for various accounts, as well as online, mobile, and on-call banking services. Further, the company offers documentation services to accomplish tax deferral to investors; investment and asset management services; commercial mortgage brokerage services; and other financial services, such as financial, retirement, and estate planning services, as well as assistance on various investment options comprising alternative investments, annuities, margin accounts, convertible bonds, and pension and profit-sharing plans. Additionally, it provides residential real estate, relocation, property management, vacations rental, and title and settlement services; and originates residential mortgage loans. The company also offers life, property, casualty, and vehicle insurance services; and employee benefit programs, such as health, dental, vision, and disability insurance. It operates in Richmond, Virginia, the Greater Hampton Roads region in southeastern Virginia, northeastern North Carolina, Raleigh, Charlotte, Greensboro, and Greenville, North Carolina. TowneBank was incorporated in 1998 and is headquartered in Portsmouth, Virginia.
At a Glance
Live SnapshotTowneBank Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.
Working Capital Impact
Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.
Cash Flow Quality Insight
Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.
TowneBank Cash Flow Statement
TOWN • NASDAQ
| TowneBank Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
170.8M | 161.8M | 155.1M | 190.5M | 225M | 169.4M | 143.7M | 137.8M | 92.8M | 72.2M | 65.7M | 44.9M | 44.2M | 39.6M | 32.8M | 30.9M | 26.8M | 23.9M | 23.3M | 21.8M | |
40.2M | 35.1M | 34.2M | 28.7M | 28.8M | 29.1M | 29.4M | 28.7M | 24.5M | 20.6M | 16.1M | 13.9M | 12.5M | 11.6M | 11M | 9.8M | 9.7M | 9.2M | 7.2M | 5.8M | |
-16.5M | -11.6M | -3.3M | 10.4M | 143K | -16.9M | -4.8M | 1.3M | 570K | 3.2M | 3.7M | -1.1M | -2.6M | 1.4M | -936K | -4M | 0.0 | 0.0 | 0.0 | 0.0 | |
9.7M | 7.9M | 7M | 5.2M | 5.6M | 5.5M | 5.3M | 2.9M | 2.7M | 2.2M | 1.9M | 1.4M | 1.7M | 1.5M | 1.4M | 1M | 1.6M | 1.7M | 2.4M | 0.0 | |
61.7M | -57.3M | -38.3M | 270.8M | 168.3M | -83.4M | -194.1M | 96.6M | 3.5M | 74.3M | -30.5M | -9.4M | 81.5M | -7.8M | -29.6M | 25.6M | -42.6M | 844K | -3.7M | 5.7M | |
(7.5M) | (1.9M) | (13.4M) | (24.2M) | (51M) | (35.2M) | (28.1M) | (24.6M) | (36M) | (23.5M) | (15.1M) | (18.3M) | (20.4M) | (11.4M) | (13.1M) | (16M) | (12.6M) | (0.0) | (0.0) | (0.0) | |
-4.5M | 2.6M | 6.5M | -90M | 90.9M | 24.2M | 30.8M | 50.3M | 17M | 12.1M | 24.2M | -5.1M | -21.8M | -6M | -9M | -17.8M | -17M | -735K | -9.6M | 35.9M | |
261.5M | 138.4M | 161.3M | 415.5M | 518.8M | 127.9M | 10.3M | 317.6M | 141.1M | 185M | 81.1M | 44.5M | 115.5M | 40.3M | 5.6M | 45.5M | -21.4M | 35M | 19.5M | 69.2M | |
INVESTING ACTIVITIES | ||||||||||||||||||||
-49.8M | -57.3M | -44.1M | -52.3M | -31.2M | -45.8M | -36.7M | -20.8M | -13.4M | -18.1M | -23.3M | -11.9M | -19.2M | -20.6M | -27.3M | -26.6M | -16.8M | -9.1M | -13M | -8M | |
-54.2M | -10.1M | (17.8M) | -2.4M | -26.1M | (9.4M) | -19.7M | (61.1M) | -11.5M | (61.9M) | (241.3M) | -12.8M | -1.4M | -3.2M | -5.5M | (34.9M) | -10.9M | -7.2M | -10.1M | (348K) | |
-343.4M | -564M | -244.6M | -890.3M | -839M | -454.3M | -808.5M | -971.5M | -1.1B | -980.1M | -515.7M | -385.8M | -901.4M | -710.9M | -591.8M | -486.8M | -723.4M | -266.6M | -76.6M | -303.3M | |
397.9M | 537.7M | 201.7M | 179M | 202.9M | 564.5M | 469.5M | 911.8M | 1.1B | 893.9M | 626.4M | 276.5M | 752.4M | 584.2M | 686.5M | 548.1M | 554.8M | 188.3M | 43.6M | 271.6M | |
-337.4M | -109.1M | -266.4M | -1.3B | 146M | -1.2B | -384.2M | -627.3M | -131.5M | -458.3M | -427.2M | -148.8M | -92.9M | -346M | -69.8M | -102.2M | -222.5M | -521.6M | -225M | -377.6M | |
-386.9M | -202.8M | -335.7M | -2B | -547.4M | -1.1B | -779.6M | -646.9M | -209.4M | -500.6M | -98.5M | -282.9M | -262.3M | -496.5M | -7.9M | -32.6M | -418.9M | -616.1M | -281.1M | -416.9M | |
FINANCING ACTIVITIES | ||||||||||||||||||||
-575K | 3.6M | 0.0 | 0.0 | 0.0 | 911K | 1.5M | 2.6M | 2.2M | 2.3M | 1.2M | 0.0 | -273K | -9K | 3K | 1.9M | 20.1M | 4.6M | 5M | 1.4M | |
-1.1M | -196.5M | 139.9M | -164.7M | -474.5M | 182.6M | -322.4M | -131.9M | 78.8M | 170.7M | -229M | -13.1M | 51.2M | 100.3M | -53M | -150.9M | 87.9M | 66.2M | 155.7M | 96.7M | |
-79.3M | -75M | -71.4M | -62.8M | -55.3M | -52.2M | -49.4M | -44.9M | -34.4M | -30.5M | -22M | -16M | -13.5M | -19.8M | -17.3M | -17.6M | -16.3M | -9.3M | -12.9M | -5.4M | |
(0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | -76.5M | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | |
217.5M | 543.5M | 81.4M | -284.7M | 2B | 2.3B | 895.5M | 669M | 406.4M | 58.4M | 381.5M | 276.7M | 184.9M | 190.8M | 236.3M | 239.5M | 323.5M | 404.5M | 131.6M | 237M | |
136.6M | 275.5M | 149.9M | -512.1M | 1.5B | 2.4B | 525.2M | 494.8M | 452.9M | 200.8M | 55.2M | 247.6M | 222.3M | 271.3M | 165.9M | 72.9M | 415.3M | 601.6M | 279.4M | 329.7M | |
CASH FLOW SUMMARY | ||||||||||||||||||||
11.2M | 211.1M | -24.5M | -2.1B | 1.4B | 1.4B | -244.1M | 165.5M | 384.6M | -115.3M | 37.8M | 9.2M | 75.5M | -184.9M | 163.7M | 85.8M | -25M | 20.4M | 17.7M | -18M | |
1.3B | 1.1B | 1.2B | 3.3B | 1.9B | 442.6M | 686.7M | 521.2M | 136.5M | 251.8M | 214M | 204.8M | 129.3M | 314.1M | 150.5M | 64.7M | 89.7M | 69.3M | 51.6M | 69.6M | |
1.4B | 1.3B | 1.1B | 1.2B | 3.3B | 1.9B | 442.6M | 686.7M | 521.2M | 136.5M | 251.8M | 214M | 204.8M | 129.3M | 314.1M | 150.5M | 64.7M | 89.7M | 69.3M | 51.6M | |
211.7M | 81.1M | 117.2M | 363.2M | 487.6M | 82.1M | -26.4M | 296.8M | 127.6M | 167M | 57.8M | 32.6M | 96.4M | 19.7M | -21.7M | 18.8M | -38.3M | 25.9M | 6.4M | 61.3M |
SEC Filings
TOWN - Filing history and reports
No SEC filings available for TOWN
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