Definitive Analysis
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Definitive Analysis

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Company Industry Sector

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Industry

Sector

TowneBank (TOWN)

Company Dividend Discount ModelIndustry: Banks - RegionalSector: Financial Services

Valuation Snapshot

Stable Growth$65.04 - $245.96$109.51
Multi-Stage$41.85 - $45.70$43.74
Blended Fair Value$76.62
Current Price$34.57
Upside121.65%
DecisionBuy

Dividend History & Growth Metrics (10Y)

Metric5Y CAGR10Y CAGR2024202320222021202020192018201720162015
DPS8.73%16.68%0.990.940.830.730.690.650.590.450.400.29
YoY Growth--5.09%13.75%13.49%5.84%5.81%10.06%30.27%12.75%38.92%37.06%
Dividend Yield--2.90%3.42%3.11%2.44%2.27%3.60%2.33%1.61%1.24%1.51%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)
Net Income To Common (M)169.67
(-) Cash Dividends Paid (M)76.75
(=) Cash Retained (M)92.92
MetricLOWBASEHIGH
Required Retention Ratio20.0%12.5%7.5%
(=) Cash Required (M)33.9321.2112.73
Cash Retained (M)92.9292.9292.92
(-) Cash Required (M)-33.93-21.21-12.73
(=) Excess Retained (M)58.9871.7180.19
(/) Shares Outstanding (M)75.7975.7975.79
(=) Excess Retained per Share0.780.951.06
LTM Dividend per Share1.011.011.01
(+) Excess Retained per Share0.780.951.06
(=) Adjusted Dividend1.791.962.07
WACC / Discount Rate8.41%8.41%8.41%
Growth Rate5.50%6.50%7.50%
Fair Value$65.04$109.51$245.96
Upside / Downside88.15%216.78%611.48%

Multi-Stage Model: Projections

(USD in Millions)
MetricTTMDec-27Dec-28Dec-29Dec-30Dec-31Terminal
Net Income (M)169.67180.70192.45204.95218.28232.46239.44
Payout Ratio45.24%54.19%63.14%72.09%81.05%90.00%92.50%
Projected Dividends (M)76.7597.92121.51147.76176.91209.22221.48

Multi-Stage Valuation

MetricLOWBASEHIGH
WACC / Discount Rate8.41%8.41%8.41%
Growth Rate5.50%6.50%7.50%
Year 1 PV (M)89.4890.3391.18
Year 2 PV (M)101.47103.40105.35
Year 3 PV (M)112.75115.99119.29
Year 4 PV (M)123.36128.10132.98
Year 5 PV (M)133.31139.75146.43
PV of Terminal Value (M)2,610.922,737.032,867.97
Equity Value (M)3,171.293,314.603,463.20
Shares Outstanding (M)75.7975.7975.79
Fair Value$41.85$43.74$45.70
Upside / Downside21.05%26.52%32.19%

High-Yield Dividend Screener

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