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TowneBank
TowneBank (TOWN) investor relations material
TowneBank Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary28 Jan, 2026
Executive summary
Achieved 21.9% CAGR in earnings from FY2000 to FY2025, with total assets reaching $19.7B and #1 deposit market share in Hampton Roads.
Record core earnings of $3.02 per share for 2025, excluding one-time merger expenses, up from $2.17 per share in 2024.
Full-year GAAP net income was $169.53M ($2.21 per share), up from $161.36M ($2.15 per share) in 2024.
Q4 FY25 net income was $40.63M, up 1.7% year-over-year but down 8.3% sequentially; diluted EPS was $0.51.
Significant expansion through acquisitions in Hampton Roads, Richmond, and the Carolinas.
Financial highlights
Total revenues rose to $835.72M in 2025 from $693.29M in 2024, driven by higher net interest and noninterest income.
Q4 FY25 total revenue was $219.94M, up 25.3% year-over-year but down 1.2% sequentially.
Net interest income for Q4 FY25 was $158.96M, up 34.6% year-over-year.
Noninterest income for Q4 FY25 was $60.98M, up 6.1% year-over-year.
Book value per share rose 8.3% year-over-year to $30.67; tangible book value per share increased 2.2% to $21.93.
Outlook and guidance
FY2026 guidance: net interest income $765–775M, noninterest income $300–310M, noninterest expense $645–655M (excluding one-time M&A expenses).
Targeting mid-single digit annualized core loan growth.
Focus for 2026 is on integrating recent acquisitions, recruiting talent, and expanding products and services to sustain earnings growth.
Anticipates stable credit quality with potential incremental reserve build due to M&A and loan growth.
Strong capital and liquidity levels to support growth; opportunistic M&A expected.
What caused Q4 noninterest-bearing deposit drop?
How do rising NCOs align with credit provision benefit?
How will talent recruitment support 2026 growth?
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Next TowneBank earnings date
Q1 20266 May, 2026
TowneBank
Next TowneBank earnings date
Q1 20266 May, 2026
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Frequently asked questions
TowneBank is a financial services company. It offers a wide range of personal and business banking solutions, including checking and savings accounts, loans, credit cards, and treasury services. Beyond traditional banking, TowneBank also provides services through its various affiliated companies, which include Towne Wealth Management, Towne Insurance, Towne Benefits, TowneBank Mortgage, and Towne 1031 Exchange. These subsidiaries extend the company's capabilities into areas such as wealth management, insurance, employee benefits, real estate, and specialized financial exchanges. The company is headquartred in Suffolk, Virginia, and its shares are listed on the NASDAQ.
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