Towne Bancorp, Inc. (TWNE) Stock Price & Analysis
Educational signal · not a buy or sell recommendation · How to read this
P/E 0.00 means the share price is 0.00 times one year of earnings per share. Market cap $1.11M is the value of all shares combined. Beta 0.13: the stock has moved about 87% less than the S&P 500.
For informational purposes only. Not financial advice. Machine-generated analysis by Stock Expert AI — model gemini-2.0-flash, generated Mar 18, 2026. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief. Data sources: Financial Modeling Prep, Yahoo Finance, SEC EDGAR
Quick AnswerTowne Bancorp, Inc. (TWNE) trades at $0.0001. Towne Bancorp, Inc., operating as Towne Bank of Arizona, provides banking products and services to individuals and businesses in Mesa, Arizona. Market cap: $1.11M, Sector: Financials.
Price as of · Last analyzed: Mar 18, 2026Analyst Coverage for TWNE: TWNE does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage.
No score published: we hold no usable price for this ticker, and a grade beside a missing price says nothing.
Towne Bancorp, Inc. (TWNE) Financial Services Profile
Towne Bancorp, Inc., through its Towne Bank of Arizona subsidiary, provides traditional banking services in Mesa, Arizona, offering deposit accounts and a range of business and personal loans. With a small market capitalization and focus on local customers, Towne Bancorp navigates the competitive regional banking landscape.
What Is the Investment Thesis for TWNE?
Towne Bancorp, Inc. presents a focused investment opportunity within the regional banking sector, primarily serving the Mesa, Arizona area. With a small market capitalization, the company's growth potential is closely tied to the economic health of its local market and its ability to expand its customer base. A key value driver is the bank's ability to maintain a stable profit margin, currently at 2.1%, and efficiently manage its operations, reflected in its gross margin of 44.2%. Upcoming growth catalysts include potential expansion of its loan portfolio and increased adoption of its online banking services. However, potential risks include competition from larger regional and national banks and the impact of economic downturns on its loan quality. Investors should monitor the company's financial performance, regulatory compliance, and its ability to adapt to changing market conditions.
Based on FMP financials and quantitative analysis
TWNE Key Highlights
Towne Bancorp, Inc. operates with a small market capitalization, indicating a focused regional presence.
- The company's profit margin stands at 2.1%, reflecting its profitability within the banking sector.
- A gross margin of 44.2% suggests efficient management of its banking operations.
- Towne Bancorp's beta of 0.13 indicates lower volatility compared to the overall market.
- The company does not currently offer a dividend, which may influence investor interest.
Who Are TWNE's Competitors?
TWNE is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | MoonshotScore |
|---|---|---|---|---|
| OPHC OptimumBank Holdings, Inc. | $9.04 | +4.03% | $110M | — |
| SBFG SB Financial Group, Inc. | $29.40 | 0.00% | $184M | — |
| FCAP First Capital, Inc. | $62.90 | +1.45% | $210M | — |
| HWBK Hawthorn Bancshares, Inc. | $38.63 | +1.02% | $267M | — |
| FXNC First National Corporation | $30.06 | +1.45% | $272M | — |
| ATLO Ames National Corporation | $32.36 | +1.99% | $287M | — |
| BPRN Princeton Bancorp, Inc. | $43.72 | +1.30% | $298M | — |
| CFFI C&F Financial Corporation | $98.30 | +1.50% | $320M | — |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are TWNE's Key Strengths?
Strong local presence in Mesa, Arizona.
- Personalized customer service.
- Diverse loan portfolio.
- Experienced management team.
What Are TWNE's Weaknesses?
Small market capitalization.
- Limited geographic reach.
- Dependence on local economy.
- Lack of dividend payout.
What Are the Key Risks for TWNE?
Financial-distress signal — its Altman Z-Score of -0.77 sits in the distress zone (elevated bankruptcy risk).
- Weak fundamentals — a Piotroski F-Score of 3/9 flags soft profitability, leverage or efficiency.
- Increased competition from larger regional and national banks.
- Economic downturns affecting loan quality and profitability.
- Regulatory changes and compliance costs impacting operations.
- Cybersecurity risks and data breaches compromising customer information.
- Limited liquidity due to OTC market trading.
What Are TWNE's Competitive Advantages?
- Strong local presence and brand recognition in Mesa, Arizona.
- Established relationships with local businesses and customers.
- Personalized customer service and community focus.
- Local market expertise and knowledge.
What Does TWNE Do?
Towne Bancorp, Inc. functions as the holding company for Towne Bank of Arizona, a community bank serving the Mesa, Arizona region. Founded to provide personalized banking services, Towne Bank of Arizona offers a suite of financial products tailored to individuals and businesses. These include checking, savings, and money market accounts, as well as certificates of deposit and individual retirement accounts. The bank's loan portfolio is diverse, encompassing business loans for working capital, equipment, and real estate, alongside personal loans, home equity lines of credit, and home construction loans. Beyond traditional banking services, Towne Bank of Arizona provides cash management, off-site deposit, and merchant card services. The bank also offers modern conveniences such as Internet banking. Towne Bancorp's focus remains on serving the financial needs of its local community in Mesa, Arizona, emphasizing customer relationships and local market expertise. The company's strategy centers on providing accessible and tailored financial solutions within its geographic footprint.
What Products and Services Does TWNE Offer?
- Provides checking and savings accounts to individuals and businesses.
- Offers money market accounts and certificates of deposit.
- Extends business loans for working capital, equipment, and real estate.
- Provides personal loans, home equity lines of credit, and home construction loans.
- Offers cash management and merchant card services.
- Provides online banking services.
How Does TWNE Make Money?
- Generates revenue through interest income from loans.
- Earns fees from deposit accounts and other banking services.
- Manages risk through credit analysis and loan diversification.
- Focuses on serving the local community in Mesa, Arizona.
What Industry Does TWNE Operate In?
Towne Bancorp, Inc. operates within the regional banking sector, which is characterized by intense competition and evolving customer preferences. The industry is influenced by factors such as interest rate fluctuations, regulatory changes, and technological advancements. Regional banks like Towne Bancorp face competition from larger national banks and credit unions, requiring them to differentiate through personalized service and local market expertise. The trend towards digital banking and mobile payments also necessitates investments in technology to remain competitive. Overall, the regional banking sector is expected to see moderate growth, driven by economic expansion and increasing demand for financial services.
Who Are TWNE's Key Customers?
- Individuals residing in the Mesa, Arizona area.
- Small and medium-sized businesses in Mesa, Arizona.
- Real estate developers and investors in the region.
- Local community organizations and non-profits.
Research confidence
Thin evidence — scoring coverage unknown. Treat this as a starting point, not a conclusion.
- ● Scoring coverage unknown
- ● No usable price
- ● No filing on record
- ● No analyst coverage
Company Profile
Towne Bancorp, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Mesa, US. The company is led by CEO S. Rick Meikle. TWNE has traded publicly since 2005.
How Towne Bancorp, Inc. Is Valued
Towne Bancorp, Inc. carries a market capitalization of $1.11M, placing it in the micro-cap category.
Key Financial Metrics
Return on equity for Towne Bancorp, Inc. stands at 1.0%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.2%, showing how much profit it generates from its asset base. TWNE trades at a trailing price-to-earnings ratio of 0.00, below the Financial Services sector average of ~17.20x. Its free cash flow yield is 29.1%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.08 means current liabilities exceed short-term assets, a liquidity point worth watching.
Financial Health
Towne Bancorp, Inc.'s Piotroski F-Score is 3/9, a 9-point checklist of profitability, leverage and efficiency — flagging fundamental weakness worth scrutiny. Its Altman Z-Score of -0.77 places it in the distress zone, a signal of elevated financial risk.
TWNE Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
TWNE Latest News
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Stocks That Set New 52-Week Highs Thursday
· Aug 8, 2019
TWNE Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations collected by Financial Modeling Prep for TWNE.
Price Targets
Wall Street price target analysis for TWNE.
TWNE MoonshotScore
MoonshotScore is Stock Expert AI's proprietary 0-100 research rating, not a buy or sell recommendation. No MoonshotScore is published for TWNE; grades run from A+ (80-100) to F (below 30).
TWNE OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Towne Bancorp, Inc. may not meet the minimum financial standards required for higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial disclosure and may not be subject to the same regulatory oversight as companies listed on major exchanges like the NYSE or NASDAQ. Investing in companies on the OTC Other tier carries higher risks due to the potential for limited information and liquidity.
- OTC Tier: OTC Other
- Limited financial disclosure and transparency.
- Higher potential for fraud and manipulation.
- Lack of regulatory oversight and investor protection.
- Significant price volatility and illiquidity.
- Potential for delisting and loss of investment.
- Verify the company's registration and legal status.
- Review available financial statements and disclosures.
- Assess the company's business model and competitive landscape.
- Evaluate the management team and their track record.
- Understand the risks associated with investing in OTC stocks.
- Consult with a financial advisor before investing.
- Monitor the company's news and announcements regularly.
- Company has been in operation for several years.
- Company has a physical presence in Mesa, Arizona.
- Company is regulated by state banking authorities.
- Company provides traditional banking services to the local community.
- Company has a website and provides contact information.
TWNE Financials Stock FAQ
What do analysts say about TWNE stock?
As of March 18, 2026, there is no available analyst coverage for Towne Bancorp, Inc. (TWNE). Given its small market capitalization and OTC listing, the company may not be actively tracked by major financial analysts.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
MoonshotScore is not published for this security.
Data provided for informational purposes only.
- Financial data is limited due to the company's OTC listing and lack of analyst coverage.
- The OTC Other tier designation indicates higher investment risk.