Towne Bank Cash Flow Quality Index
Towne Bank cash flow quality index. Towne Bank (TOWN) has a Cash Flow Quality Index of -0.16x as of June 2026. Operating cash flow of $-30.58 Million is below net income of $193.19 Million, suggesting accrual-heavy earnings not yet converted to cash. See TOWN free cash flow debt coverage to measure the company's free cash flow as a share of total liabilities.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Cash Flow Quality Index of Towne Bank (2001–2025)
Cash flow quality index of Towne Bank from 2001 to 2025. Historical Cash Flow Quality Index for Towne Bank across 25 annual periods. Values consistently above 1.0x indicate high-quality earnings. Explore TOWN cash flow to debt ratio to assess how comfortably operating cash covers total debt obligations.
Towne Bank Cash Flow Quality Index by Year (2001–2025)
Towne Bank cash flow quality index by year from 2001 to 2025. Year-by-year earnings quality comparison for Towne Bank. For the full cash flow conversion analysis, see Towne Bank operating cash flow efficiency.
| 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 | — |