Towne Bank (TOWN) - Net Assets
Based on the latest financial reports, Towne Bank (TOWN) has net assets worth $2.43 Billion USD as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($19.69 Billion) and total liabilities ($17.26 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check Towne Bank (TOWN) asset resilience to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $2.43 Billion |
| % of Total Assets | 12.34% |
| Annual Growth Rate | 18.21% |
| 5-Year Change | -84.78% |
| 10-Year Change | 123.55% |
| Growth Volatility | 146.36 |
Towne Bank - Net Assets Trend (2000–2025)
This chart illustrates how Towne Bank's net assets have evolved over time, based on quarterly financial data. Also explore TOWN current and non-current assets for the complete picture of this company's asset base.
Annual Net Assets for Towne Bank (2000–2025)
The table below shows the annual net assets of Towne Bank from 2000 to 2025. For live valuation and market cap data, see market cap of Towne Bank.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $2.43 Billion | +12.68% |
| 2024-12-31 | $2.16 Billion | +4.85% |
| 2023-12-31 | $2.06 Billion | -86.82% |
| 2022-12-31 | $15.59 Billion | -2.28% |
| 2021-12-31 | $15.96 Billion | +14.62% |
| 2020-12-31 | $13.92 Billion | +741.83% |
| 2019-12-31 | $1.65 Billion | +7.49% |
| 2018-12-31 | $1.54 Billion | +34.65% |
| 2017-12-31 | $1.14 Billion | +5.15% |
| 2016-12-31 | $1.09 Billion | +32.48% |
| 2015-12-31 | $820.19 Million | +32.66% |
| 2014-12-31 | $618.28 Million | +5.63% |
| 2013-12-31 | $585.32 Million | +4.54% |
| 2012-12-31 | $559.88 Million | +7.57% |
| 2011-12-31 | $520.49 Million | +4.20% |
| 2010-12-31 | $499.51 Million | +7.58% |
| 2009-12-31 | $464.32 Million | +10.64% |
| 2008-12-31 | $419.67 Million | +63.39% |
| 2007-12-31 | $256.86 Million | +11.67% |
| 2006-12-31 | $230.02 Million | +8.51% |
| 2005-12-31 | $211.99 Million | +12.45% |
| 2004-12-31 | $188.52 Million | +133.78% |
| 2003-12-31 | $80.64 Million | +13.83% |
| 2002-12-31 | $70.84 Million | +72.10% |
| 2001-12-31 | $41.16 Million | +11.08% |
| 2000-12-31 | $37.06 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Towne Bank's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 108734300000.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $1.09 Billion | 44.89% |
| Common Stock | $131.63 Million | 5.43% |
| Other Comprehensive Income | $-51.68 Million | -2.13% |
| Other Components | $1.25 Billion | 51.81% |
| Total Equity | $2.42 Billion | 100.00% |
Towne Bank Competitors by Market Cap
The table below lists competitors of Towne Bank ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Navan, Inc. Class A Common Stock
NASDAQ:NAVN
|
$3.24 Billion |
|
Global Health Limited
NSE:MEDANTA
|
$3.25 Billion |
|
Legend Biotech Corp
NASDAQ:LEGN
|
$3.25 Billion |
|
Enerjisa Enerji AS
IS:ENJSA
|
$3.25 Billion |
|
Ningxia Orient Tantalum Industry Co Ltd
SHE:000962
|
$3.24 Billion |
|
Xenon Pharmaceuticals Inc
NASDAQ:XENE
|
$3.24 Billion |
|
Edgewise Therapeutics Inc
NASDAQ:EWTX
|
$3.24 Billion |
|
TORM plc
CO:TRMD-A
|
$3.24 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Towne Bank's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 2,139,332,000 to 2,422,067,000, a change of 282,735,000 (13.2%).
- Net income of 169,526,000 contributed positively to equity growth.
- Dividend payments of 79,297,000 reduced retained earnings.
- Share repurchases of 575,000 reduced equity.
- Other comprehensive income increased equity by 64,360,001.
- Other factors increased equity by 128,720,999.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $169.53 Million | +7.0% |
| Dividends Paid | $79.30 Million | -3.27% |
| Share Repurchases | $575.00K | -0.02% |
| Other Comprehensive Income | $64.36 Million | +2.66% |
| Other Changes | $128.72 Million | +5.31% |
| Total Change | $- | 13.22% |
Book Value vs Market Value Analysis
This analysis compares Towne Bank's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.13x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 12.46x to 1.13x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2000-12-31 | $2.87 | $35.73 | x |
| 2001-12-31 | $2.85 | $35.73 | x |
| 2002-12-31 | $4.37 | $35.73 | x |
| 2003-12-31 | $4.67 | $35.73 | x |
| 2004-12-31 | $8.60 | $35.73 | x |
| 2005-12-31 | $8.61 | $35.73 | x |
| 2006-12-31 | $8.82 | $35.73 | x |
| 2007-12-31 | $9.49 | $35.73 | x |
| 2008-12-31 | $15.39 | $35.73 | x |
| 2009-12-31 | $16.63 | $35.73 | x |
| 2010-12-31 | $16.21 | $35.73 | x |
| 2011-12-31 | $16.64 | $35.73 | x |
| 2012-12-31 | $17.81 | $35.73 | x |
| 2013-12-31 | $17.51 | $35.73 | x |
| 2014-12-31 | $17.30 | $35.73 | x |
| 2015-12-31 | $15.85 | $35.73 | x |
| 2016-12-31 | $18.92 | $35.73 | x |
| 2017-12-31 | $18.13 | $35.73 | x |
| 2018-12-31 | $21.40 | $35.73 | x |
| 2019-12-31 | $22.73 | $35.73 | x |
| 2020-12-31 | $192.42 | $35.73 | x |
| 2021-12-31 | $219.90 | $35.73 | x |
| 2022-12-31 | $214.85 | $35.73 | x |
| 2023-12-31 | $27.32 | $35.73 | x |
| 2024-12-31 | $28.44 | $35.73 | x |
| 2025-12-31 | $31.56 | $35.73 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Towne Bank utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 7.00%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 16.82%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 8.13x
- Recent ROE (7.00%) is above the historical average (6.47%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2000 | 3.29% | 18.52% | 0.02x | 10.38x | $-2.49 Million |
| 2001 | 6.41% | 27.82% | 0.02x | 13.59x | $-1.48 Million |
| 2002 | 7.77% | 10.55% | 0.07x | 10.78x | $-1.58 Million |
| 2003 | 8.21% | 11.50% | 0.06x | 11.56x | $-1.44 Million |
| 2004 | 5.98% | 13.95% | 0.06x | 7.68x | $-7.57 Million |
| 2005 | 8.34% | 14.31% | 0.07x | 8.51x | $-3.52 Million |
| 2006 | 9.47% | 13.60% | 0.07x | 9.54x | $-1.22 Million |
| 2007 | 9.06% | 12.07% | 0.08x | 9.74x | $-2.43 Million |
| 2008 | 5.69% | 12.27% | 0.06x | 7.47x | $-18.07 Million |
| 2009 | 5.85% | 11.96% | 0.06x | 7.88x | $-19.00 Million |
| 2010 | 6.15% | 12.91% | 0.06x | 7.86x | $-18.96 Million |
| 2011 | 6.48% | 13.90% | 0.06x | 7.94x | $-18.10 Million |
| 2012 | 6.86% | 14.75% | 0.06x | 7.97x | $-17.36 Million |
| 2013 | 7.25% | 16.05% | 0.06x | 8.11x | $-15.87 Million |
| 2014 | 6.92% | 15.69% | 0.05x | 8.18x | $-18.73 Million |
| 2015 | 7.69% | 18.93% | 0.05x | 7.76x | $-18.71 Million |
| 2016 | 6.26% | 16.45% | 0.05x | 7.42x | $-40.26 Million |
| 2017 | 7.75% | 17.80% | 0.06x | 7.53x | $-25.46 Million |
| 2018 | 8.77% | 21.83% | 0.05x | 7.32x | $-18.76 Million |
| 2019 | 8.46% | 20.63% | 0.06x | 7.28x | $-25.29 Million |
| 2020 | 1.05% | 19.61% | 0.05x | 1.05x | $-1.25 Billion |
| 2021 | 1.35% | 29.91% | 0.04x | 1.03x | $-1.38 Billion |
| 2022 | 1.21% | 25.44% | 0.05x | 1.02x | $-1.37 Billion |
| 2023 | 7.54% | 16.31% | 0.06x | 8.25x | $-50.28 Million |
| 2024 | 7.56% | 15.79% | 0.06x | 8.06x | $-52.18 Million |
| 2025 | 7.00% | 16.82% | 0.05x | 8.13x | $-72.68 Million |
Industry Comparison
This section compares Towne Bank's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $552,557,300
- Average return on equity (ROE) among peers: 11.02%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Towne Bank (TOWN) | $2.43 Billion | 3.29% | 7.11x | $3.24 Billion |
| Ameris Bancorp (ABCB) | $1.46 Billion | 8.31% | 6.86x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $5.70 Billion |
| ACNB Corporation (ACNB) | $74.01 Million | 9.97% | 11.77x | $483.21 Million |
| Affinity Bancshares Inc (AFBI) | $129.12 Million | 4.21% | 5.71x | $135.98 Million |
| Alerus Financial Corp (ALRS) | $153.31 Million | 13.22% | 8.01x | $647.19 Million |
| Amalgamated Bank (AMAL) | $535.82 Million | 8.62% | 10.16x | $1.14 Billion |
| Amerant Bancorp Inc. (AMTB) | $901.22 Million | 12.53% | 7.48x | $962.39 Million |
| Arrow Financial Corporation (AROW) | $72.29 Million | 17.85% | 12.85x | $601.02 Million |
| Associated Banc-Corp (ASB) | $2.02 Billion | 12.80% | 9.17x | $5.20 Billion |
| AmeriServ Financial Inc (ASRV) | $65.10 Million | 11.83% | 10.90x | $62.60 Million |
About Towne Bank
TowneBank provides retail and commercial banking services for individuals, commercial enterprises, and professionals in the United States. It operates through four segments: Banking, Mortgage, Resort Vacation Management, and Insurance. The company provides treasury solutions and deposit products, including checking accounts, savings accounts, and various types of time deposit services, such as da… Read more