Structured JSON API for this factor page: https://sharemaestro.com/factors/api/tickers/b75800ea-0294-481c-9d8d-1a1b8fb4cbfe/
TOWN
Towne BankSnapshot 2026-07-26 · 0.4w · Fresh
Strategy Eligibility
8 of 23 passing
★
OS Composite
OS 0.850
↗
Trending Value
✗
◆
Quality × Value
QV 0.824
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
✗
💎
Deep Value
✗
◇
VC2 Cheapest
✗
📐
EBITDA/EV
12.0%
◐
Veiled Value
✗
▣
Piotroski Bargains
✗
🔬
Quality Compounders
✗
📈
Consistent Earners
✗
🌱
GARP
Rev +24%
🔄
Shareholder Yield
4.9%
💰
High Yield
Div 4.9%
🚀
Momentum Leaders
✗
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
✗
🛡
Low Volatility
Vol 21%
🏷
Sector Cheapest
✗
🧠
Capital Allocators
CAQ 0.90
⚡
Risk-Adj Momentum
✗
V
Value Analysis
Cheapness relative to fundamentals
87.0%ile
P/E
10.7×
P/S
2.6×
P/B
1.1×
E/P
0.1109
FCF Yield
0.085
EBITDA/EV
0.120
SH Yield
0.049
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
19.00000000
/100 — 1=cheapest
VC2 (Trending Value)
16.00000000
/100
VC3 (Buyback)
19.00000000
/100
P/E of 10.7x places this firmly in deep value territory. FCF yield of 8.5% is strong — the business generates significant free cash relative to price.
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
78.0%ile
ROE
0.105
ROA
0.014
Net Margin
0.241
Op Margin
0.311
GPA
0.044
D/E
6.55
Current
4.07
F-Score
5/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
0.236
Earn Growth
0.807
Stability
0.879
lower=better
Accruals
0.002
lower=better
5yr Consist
No
Highly leveraged with D/E of 6.55 — returns are being amplified by debt.
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
30.0%ile
6M Return
5.1%
12M Return
7.5%
12-1 Mom
6.7%
Risk-Adj
0.32
Vol 252d
21.0%
Vol 60d
46.9%
↑ Expanding
Max DD 12M
-13.7%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
Near-term vol (47%) is expanding vs long-term (21%) — risk is increasing.
OS
Composite & Factor Heatmap
All factors at a glance
0.85
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Financial Services
· 500 peers
Sector Value %ile
70.1%
Sector Quality %ile
63.5%
P/E z-score
-0.23
P/B z-score
-0.06
Sector Avg OS
85.1%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
Factor Interactions
Value + Quality Intersection
Top-tier on both cheapness (87th) and quality (78th) — the O'Shaughnessy sweet spot, historically the strongest long-term combination.
Growth at Reasonable Price
Revenue growing 24% with P/E of 11×. Growth isn't fully priced in.
Strong Capital Return
Shareholder yield 4.9% backed by 8.5% FCF yield. Returns are well-funded.
Volatility Expanding
60-day vol (47%) significantly exceeds 252-day (21%). Near-term risk is elevated.
⚖
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
A
77.0% avg (7 factors)
Quality
C
50.2% avg (8 factors)
Momentum
D
40.2% avg (4 factors)
Risk
A
81.7% avg (1 factors)
Momentum is weak, suggesting the market isn't yet buying this thesis. Patience required.
▲ Top Strengths — highest scoring factors
▼ Key Weaknesses — lowest scoring factors
Score Trends8 snapshots
Factor Persistence8 snapshots
| Factor | Current | Streak | Trend | Spark |
|---|---|---|---|---|
| OS Composite | 0.850 | —1 | — | |
| Value %ile | 0.870 | —1 | — | |
| Quality %ile | 0.780 | —1 | — | |
| Momentum %ile | 0.300 | —2 | — | |
| F-Score | 5.000 | —0 | — | |
| Confidence | 1.000 | —8 | — | |
| Volatility | 0.210 | —0 | — |
Value Lens2021-07-27 → 2026-07-26
P/E Ratio
Earnings Yield
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
P/E Ratio
10.66
Earnings Yield (E/P)
0.1109
Price / Sales
2.57
Price / Book
1.12
Price / Cash Flow
12.80
FCF Yield
8.5%
EBITDA / EV
12.0%
Sales Yield (1/P·S)
0.3567
Shareholder Yield
Div + net buyback / mktcap
4.9%
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
10.5%
Return on Assets
1.4%
Net Margin
24.1%
Operating Margin
31.1%
Gross Profit / Assets
Novy-Marx GPA
4.4%
Debt / Equity
6.55
Current Ratio
4.07
Accruals Ratio
(NI-OCF)/Assets — lower=better
0.002
MomentumPrice trend strength over different horizons
6M Return
5.1%
12M Return
7.5%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
6.7%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
0.32
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
23.6%
Earnings Growth (YoY)
80.7%
Earnings Stability (CV)
Lower = more stable
0.879
5yr Consistent
EPS up every year for 5 years
No
Piotroski F-Score
5
Dividend Yield
4.9%
Buyback Yield
0.0%
O'Shaughnessy CompositesValue Composites (WWOWS 4th Ed) — 1=cheapest, 100=most expensive
VC1 (5-factor)
P/E+P/S+P/B+P/CF+EBITDA/EV
19
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
16
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
19
Capital Allocation & AlphaAlpha within factors — quality of management decisions
Veiled Value
Expensive by P/B, cheap by everything else
No
Market Leader
Above-avg mcap+revenue, non-utility
No
All Stocks Universe
Market cap > $200M
Yes
Tiny Titan
Micro-cap, low P/S, positive momentum
No
Quarterly Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity
Annual Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity