Towne Bank (TOWN) — Cash Flow Quality Index
Towne Bank (TOWN) has a Cash Flow Quality Index of 0.99x as of March 2026. Operating cash flow of $40.45 Million is below net income of $40.99 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore cash flow conversion of Towne Bank to assess how effectively this company generates cash.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Towne Bank Cash Flow Quality Index (2001–2025)
Historical Cash Flow Quality Index for Towne Bank across 25 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check Towne Bank (TOWN) total reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
Annual Cash Flow Quality Index for Towne Bank (2001–2025)
Year-by-year earnings quality comparison for Towne Bank. For live market cap and the full company financial profile, see Towne Bank market capitalisation.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.53x | $261.47 Million | $170.79 Million | ▲ +79.0% |
| 2024 | 0.86x | $138.36 Million | $161.76 Million | ▼ -17.7% |
| 2023 | 1.04x | $161.30 Million | $155.14 Million | ▼ -52.3% |
| 2022 | 2.18x | $415.50 Million | $190.47 Million | ▼ -5.4% |
| 2021 | 2.31x | $518.82 Million | $225.03 Million | ▲ +205.4% |
| 2020 | 0.75x | $127.89 Million | $169.43 Million | ▲ +776.3% |
| 2019 | -0.11x | $-16.04 Million | $143.67 Million | ▼ -104.8% |
| 2018 | 2.31x | $317.60 Million | $137.77 Million | ▲ +51.6% |
| 2017 | 1.52x | $141.08 Million | $92.79 Million | ▼ -40.7% |
| 2016 | 2.56x | $185.04 Million | $72.22 Million | ▲ +107.5% |
| 2015 | 1.23x | $81.09 Million | $65.67 Million | ▲ +24.6% |
| 2014 | 0.99x | $44.52 Million | $44.93 Million | ▼ -62.1% |
| 2013 | 2.61x | $115.54 Million | $44.25 Million | ▲ +156.4% |
| 2012 | 1.02x | $40.34 Million | $39.60 Million | ▲ +494.3% |
| 2011 | 0.17x | $5.62 Million | $32.81 Million | ▼ -88.4% |
| 2010 | 1.47x | $45.49 Million | $30.92 Million | ▲ +283.6% |
| 2009 | -0.80x | $-21.44 Million | $26.75 Million | ▼ -154.7% |
| 2008 | 1.46x | $34.99 Million | $23.89 Million | ▲ +75.0% |
| 2007 | 0.84x | $19.46 Million | $23.26 Million | ▼ -73.7% |
| 2006 | 3.18x | $69.20 Million | $21.79 Million | ▲ +86.7% |
| 2005 | 1.70x | $30.09 Million | $17.68 Million | ▲ +44.5% |
| 2004 | 1.18x | $13.29 Million | $11.28 Million | ▼ -83.4% |
| 2003 | 7.11x | $47.08 Million | $6.62 Million | ▲ +388.9% |
| 2002 | -2.46x | $-13.54 Million | $5.50 Million | ▲ +61.2% |
| 2001 | -6.34x | $-16.71 Million | $2.64 Million | — |