TowneBank (TOWN) Earnings History
Profitable25 years of earnings data (2001–2025) · Positive TTM net income
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TowneBank (TOWN) Earnings Overview
As of July 7, 2026, TowneBank (TOWN) reported trailing twelve-month net income of $159M, reflecting +2.8% year-over-year growth. The company earned $1.76 per diluted share over the past four quarters, with a net profit margin of 16.8%.
Looking at the long-term picture, TOWN's 5-year EPS compound annual growth rate (CAGR) stands at +1.9%, reflecting modest earnings expansion. The company achieved its highest annual net income of $215M in fiscal 2021.
TowneBank maintains industry-leading profitability with a gross margin of 69.6%, operating margin of 20.9%, and net margin of 16.8%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including NBTB ($184M net income, 19.5% margin), WSFS ($308M net income, 21.1% margin), FULT ($393M net income, 20.7% margin), TOWN has room to improve margins relative to the peer group. Compare TOWN vs NBTB →
TOWN Earnings vs Peers
Earnings metrics vs comparable public companies
TOWN Historical Earnings Data (2001–2025)
25 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $170M | +4.8% | $210M | $2.21 | 16.8% | 20.9% |
| 2024 | $162M | +5.2% | $190M | $2.15 | 15.8% | 18.6% |
| 2023 | $154M | -18.7% | $186M | $2.06 | 16.3% | 19.8% |
| 2022 | $189M | -12.3% | $237M | $2.60 | 25.4% | 31.9% |
| 2021 | $215M | +48.0% | $280M | $2.97 | 29.9% | 38.9% |
| 2020 | $146M | +4.9% | $201M | $2.01 | 19.6% | 27.1% |
| 2019 | $139M | +3.7% | $176M | $1.92 | 20.6% | 26.2% |
| 2018 | $134M | +52.6% | $172M | $1.88 | 21.8% | 28.1% |
| 2017 | $88M | +30.4% | $148M | $1.41 | 17.8% | 30.0% |
| 2016 | $67M | +7.8% | $101M | $1.18 | 16.4% | 24.7% |
| 2015 | $62M | +47.9% | $93M | $1.22 | 18.9% | 28.1% |
| 2014 | $42M | +1.0% | $63M | $1.18 | 15.7% | 23.5% |
| 2013 | $42M | +10.1% | $61M | $1.14 | 16.0% | 23.6% |
| 2012 | $38M | +13.8% | $54M | $1.03 | 14.7% | 20.8% |
| 2011 | $33M | +10.1% | $46M | $0.76 | 13.9% | 19.0% |
| 2010 | $30M | +13.1% | $43M | $0.71 | 12.9% | 18.5% |
| 2009 | $27M | +12.0% | $38M | $0.64 | 12.0% | 17.2% |
| 2008 | $24M | +2.7% | $33M | $0.86 | 12.3% | 16.8% |
| 2007 | $23M | +6.8% | $34M | $0.89 | 12.1% | 17.7% |
| 2006 | $22M | +23.2% | $32M | $0.83 | 13.6% | 20.1% |
| 2005 | $18M | +56.7% | $27M | $0.72 | 14.3% | 22.0% |
| 2004 | $11M | +70.4% | $17M | $0.51 | 13.9% | 21.6% |
| 2003 | $7M | +20.3% | $10M | $0.38 | 11.5% | 17.9% |
| 2002 | $6M | +108.6% | $8M | $0.34 | 10.5% | 15.5% |
| 2001 | $3M | - | $3M | $0.19 | 27.8% | 31.4% |
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TOWN — Frequently Asked Questions
Quick answers to the most common questions about buying TOWN stock.
What is TOWN earnings per share (EPS)?
TOWN trailing twelve-month (TTM) diluted EPS is $1.76, reflecting +2.8% year-over-year growth. The 5-year EPS CAGR is +1.9%. Complete EPS history from 2001 to 2025 is available in the table on this page.
What is TowneBank's net income?
TowneBank (TOWN) trailing twelve-month net income is $159M as of 2025. Earnings grew +2.8% year-over-year. TowneBank has been profitable for 25 consecutive years.
Is TOWN profitable?
Yes, TOWN is profitable with a TTM net income of $159M and a net profit margin of +16.8%. TowneBank has generated profits for 25 consecutive years.
What is TOWN's earnings growth rate?
TOWN compound annual EPS growth rates (CAGR): 1-Year: +2.8%, 3-Year: -5.3%, 5-Year: +1.9%, 10-Year: +6.1%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2001 to 2025.
What are TOWN's profit margins?
TowneBank net profit margin is +16.8%, operating margin is +20.9%, and gross margin is +69.6%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +7.4%.
Is TOWN growing earnings?
TOWN earnings growth is slowing. Current YoY EPS growth of +2.8% trails the 5-year CAGR of +1.9%. TTM net income is $159M.
What was TOWN's best earnings year?
TowneBank's highest annual net income on record is $215M, achieved in fiscal year 2021. Earnings history on this page spans 2001 to 2025 and includes all annual and quarterly figures.
What were TOWN's earnings last quarter?
TOWN's most recent reported quarter was Q1 2026. Net income was $41M with diluted EPS of $0.45. For a full breakdown of all quarters, see the quarterly earnings table on this page.