TOWN Stock Analysis: Buy, Sell, or Hold?
TOWN - Towne Bank
$35.66
0.66 (1.89%)
▲
5d:
-1.36%
30d:
+6.86%
90d:
+9.09%
BUY
MODERATE Confidence
Last Updated: February 2, 2026
Earnings: Apr 21, 2026
Get Alerted When TOWN Hits Your Target Price
Join 10,000+ traders who never miss a move
You're in! Check your email to confirm and set your target price.
100% Free
No spam, ever
Unsubscribe anytime
Interactive Price Chart (1 Month)
Loading chart...
Loading historical data...
Bottom Line:
💡 BUY OPPORTUNITY: TOWN shows positive signals but monitor for confirmation. Market pricing in 1.9% decline. Moderate conviction.
💡 BUY OPPORTUNITY: TOWN shows positive signals but monitor for confirmation. Market pricing in 1.9% decline. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$55.12
Based on 7.9% avg growth
INTRINSIC VALUE TODAY
$34.23
Trading above fair value
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 9.6x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: TOWN is currently trading at $35.66, which is considered slightly high relative to its 30-day fair value range of $33.83 to $35.95. The stock's valuation (Forward PE: 9.1) is in line with its historical norms (9.6). Remarkably, the market is currently pricing in an annual earnings decline of 1.9% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, TOWN is showing sideways momentum. Immediate support is located at $34.34, while resistance sits at $37.37.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $41.00 (+15.0%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, TOWN is showing sideways momentum. Immediate support is located at $34.34, while resistance sits at $37.37.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $41.00 (+15.0%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY HIGH
Fair Price Range
$33.83 -
$35.95
Company Quality Score
58/100
(HOLD)
Options IV Signal
39th percentile
(NORMAL)
Volume Confirmation
HIGH
Confidence Score
64.2%
All Signals
- NEUTRAL: Options fairly priced (IV 39th percentile)
- NEUTRAL: Mixed technical signals (55/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($41.00)
Fair Price Analysis
30-Day Fair Range
$33.83 -
$35.95
Current vs Fair Value
SLIGHTLY HIGH
Expected Move (7 Days)
±$2.20
(6.2%)
Support & Resistance Levels
Support Level
$34.34
Resistance Level
$37.37
Current Trend
Sideways
Fundamental Context
Forward P/E (Next Year Est.)
9.07
Wall Street Target
$41.00
(+15.0%)
Revenue Growth (YoY)
25.4%
Earnings Growth (YoY)
-5.8%
Profit Margin
20.9%
Valuation Discount vs History
-1.9% cheaper
PE vs Historical
9.1 vs 9.6
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-1.9%
(market-implied from PE analysis)
1-Year Target
$34.98
(-2%)
2-Year Target
$34.32
(-4%)
3-Year Target
$33.67
(-6%)
3-Yr Target (if PE normalizes)
(PE: 9→10)
$35.64
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 11.8%)
$122.62
(+244%)
Base:
(SPY PE: 9.1, Growth: 11.8%)
$49.86
(+40%)
Bear:
(PE: 7.7, Growth: 11.8%)
$42.38
(+19%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (16x PE), but valuation improves significantly next year (9x PE) as earnings recover.
Trailing PE: 16.16 | Current EPS (TTM): $2.23
Bull Case
$70.80
(+102%)
Analyst growth 78.6%, PE expands to 17.8
Base Case
$64.36
(+84%)
Market implied 78.6%, PE stable at 16.2
Bear Case
$24.51
(-30%)
Severe decline -20.0%, PE contracts to 13.7
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 9.1 to 9.6
Stabilization Target:
$37.75
(+5.9%)
PE Expansion Potential:
+5.9%
Last updated: February 02, 2026 6:00 PM ET
Data refreshes hourly during market hours. Next update: 7:00 PM
Data refreshes hourly during market hours. Next update: 7:00 PM
🔥 Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
|---|
Technical Signals Check
Is TOWN showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
Top Rated Banks - Regional Stocks
Top-rated stocks in Banks - Regional by analyst ratings.
| Stock | Analyst Consensus | Analyst Target | Tradestie Score |
|---|---|---|---|
|
KEY
KeyCorp |
BUY
24 analysts |
$24 | 57 HOLD |
|
MTB
M&T Bank Corporation |
BUY
21 analysts |
$230 | 66 BUY |
|
WAL
Western Alliance Bancorp… |
STRONG BUY
15 analysts |
$103 | 57 HOLD |
|
TFC
Truist Financial Corp |
HOLD
23 analysts |
$56 | 66 BUY |
|
FNB
F.N.B. Corp |
STRONG BUY
9 analysts |
$20 | 61 BUY |
