Towne Bank — Earnings Quality Grade A
TOWN · Financial Services
Strong financial health
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
Insufficient data
Insufficient data
Revenue 20.5%, CFFO 89.9%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth -12.1% vs revenue 20.5%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.54. Profits backed by cash
FCF $0.2B, FCF/NI = 1.25
Accruals ratio = -0.5%. Low accruals
Cash $1.4B covers debt $0.3B
Balance Sheet Health
Goodwill+Intangibles $0.7B = 29% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles surged 33% YoY
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
Towne Bank is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25