Towne Bank (TOWN) — Financial Flexibility Index
Towne Bank (TOWN) has a Financial Flexibility Index of 0.00x as of March 2026. Free cash flow of $54.04 Million (operating CF $40.45 Million minus capex $13.59 Million) represents 0% of total liabilities ($19.40 Billion). Check TOWN cash reinvestment to operating cash ratio to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Towne Bank Financial Flexibility Index (2001–2025)
Historical Financial Flexibility Index trend for Towne Bank across 25 annual periods. For the full cash flow conversion analysis, see cash efficiency ratio of Towne Bank.
Annual Financial Flexibility Index for Towne Bank (2001–2025)
Year-by-year free cash flow to debt coverage for Towne Bank. Explore TOWN cash flow to debt ratio to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.02x | $311.27 Million | $261.47 Million | $17.26 Billion | ▲ +39.1% |
| 2024 | 0.01x | $195.62 Million | $138.36 Million | $15.09 Billion | ▼ -6.7% |
| 2023 | 0.01x | $205.44 Million | $161.30 Million | $14.78 Billion | ▼ -99.3% |
| 2022 | 1.86x | $467.79 Million | $415.50 Million | $252.09 Million | ▲ +36.6% |
| 2021 | 1.36x | $550.03 Million | $518.82 Million | $405.02 Million | ▲ +451.3% |
| 2020 | 0.25x | $173.68 Million | $127.89 Million | $705.09 Million | ▲ +12159.8% |
| 2019 | 0.00x | $20.68 Million | $-16.04 Million | $10.29 Billion | ▼ -94.3% |
| 2018 | 0.04x | $338.44 Million | $317.60 Million | $9.62 Billion | ▲ +67.9% |
| 2017 | 0.02x | $154.52 Million | $141.08 Million | $7.38 Billion | ▼ -29.0% |
| 2016 | 0.03x | $203.09 Million | $185.04 Million | $6.89 Billion | ▲ +54.7% |
| 2015 | 0.02x | $104.40 Million | $81.09 Million | $5.48 Billion | ▲ +47.4% |
| 2014 | 0.01x | $56.45 Million | $44.52 Million | $4.36 Billion | ▼ -60.8% |
| 2013 | 0.03x | $134.71 Million | $115.54 Million | $4.09 Billion | ▲ +108.0% |
| 2012 | 0.02x | $60.95 Million | $40.34 Million | $3.85 Billion | ▲ +71.4% |
| 2011 | 0.01x | $32.92 Million | $5.62 Million | $3.56 Billion | ▼ -56.8% |
| 2010 | 0.02x | $72.13 Million | $45.49 Million | $3.37 Billion | ▲ +1556.3% |
| 2009 | 0.00x | $-4.62 Million | $-21.44 Million | $3.14 Billion | ▼ -109.1% |
| 2008 | 0.02x | $44.05 Million | $34.99 Million | $2.71 Billion | ▲ +12.1% |
| 2007 | 0.01x | $32.50 Million | $19.46 Million | $2.24 Billion | ▼ -63.1% |
| 2006 | 0.04x | $77.16 Million | $69.20 Million | $1.96 Billion | ▲ +44.5% |
| 2005 | 0.03x | $43.23 Million | $30.09 Million | $1.59 Billion | ▲ +26.5% |
| 2004 | 0.02x | $27.05 Million | $13.29 Million | $1.26 Billion | ▼ -70.0% |
| 2003 | 0.07x | $60.85 Million | $47.08 Million | $851.23 Million | ▲ +1652.6% |
| 2002 | 0.00x | $-3.19 Million | $-13.54 Million | $693.06 Million | ▲ +85.7% |
| 2001 | -0.03x | $-16.71 Million | $-16.71 Million | $518.35 Million | — |