MARKET WIREReuters • 2h ago
Oil slips more than 1% as talks continue on ending Iran war - ReutersOil slips more than 1% as talks continue on ending Iran war Reuters
Why TOWN Stock advanced +1.00% Today — RQD Quant Desk Flash
$36.45 +1.00% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)
EXT / AFTER-HRS: $36.45
TowneBank (TOWN) carries a Roarable Rating of D (Sell) with 51/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.
ROARABLE D • SELL / AVOID
Cap $2.72B
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🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief)
Is TOWN stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-01, TowneBank (NASDAQ: TOWN) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 51/100 at a spot price of $36.45 (+1.00% 1D, market cap $2.72B). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 10/20, and SEC Balance-Sheet Forensics 9/20. Across 1096 tracked Financials issuers, TOWN ranks #784 in composite RQD confidence.
✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief)
How does TOWN compare to NBTB and FBK in the Financials sector?
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Within the Financials sector (Major Banks), TOWN carries a Roarable D (51/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of —. By comparison, NBTB (NBT Bancorp Inc.) holds a B grade (74/100 RQD, P/E 16.3x, ROIC 8.9%, cap $2.75B) and FBK (FB Financial Corporation) posts a C+ grade (67/100 RQD, P/E 21.9x, ROIC 6.3%, cap $2.68B). Among the 5-stock peer group, BOH leads on earnings multiple (13.4x) while BOH leads on capital efficiency (11.1% ROIC).
✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief)
What are the biggest fundamental strengths and SEC risk factors for TOWN?
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For TowneBank (TOWN), key quantitative strengths include Established market leader in Financials with deep daily trading liquidity. and sector rank #784 in Financials, while primary risk factors center on Company executives have done more routine share selling than personal cash buying lately. and Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.
✓ Pre-computed one-to-many AI Quant brief
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INTERACTIVE SCENARIO DECK:
EXT / AFTER-HRS: $36.45 (-0.01%)🧬 Disciplined Float (-0.40% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 1.9% FCF Margin
Verify 90D Bucket Audit →📊 Historical Track Record: Scores of 51/100 (D) historically posted market-perform odds over rolling 90-day windows (-1.3% avg 90D alpha vs SPY • 49.7% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →RQD QUANT TACHOMETERSELL / AVOID • D
JEV AI Jury Split (Battleground)
Cash
SEC
Whale
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
5-PILLAR SNOWFLAKE RADARRw D · Rk D+
Each axis scored 0–20
12M PRICE TARGET CONE-3.2% Base Target
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for TOWN)Realized 20D OHLCV Swing Band: ±3.9%
Deterministic 5-Pillar Attribution (51/100 Composite)
🔍 WHY TOWN SCORES 51/100 (D) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (25% of score)
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 7/9
▲ #2 Bullish Driver: Cash Engine Quality+11/20 pts (22% of score)
SEC XBRL Trailing 12 Months: 1.9% FCF Margin ($76.2M FCF) & 52% Gross Margin
▼ #1 Drag / Risk Factor: Whale & Options Positioning8/20 pts (-12 pt drag)
Put hedging (50% put share) caps near-term gamma upside (-12 pts vs max)
📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)Grade D$34.96+1.5% Next Q
43
Q2 (-2Q)Grade D$35.47+3.2% Next Q
46
Q3 (-1Q)Grade D$36.61-0.4% Next Q
48
CurrentGrade D$36.45-1.3% Hist 90D α
51
Trajectory: D (43) → D (51)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER
⚔️ Adversarial Opposing Case: What Could Spark a TOWN Turnaround Squeeze
While TOWN currently carries a cautious 51/100 (D) rating due to Whale & Options Positioning (8/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.
🚀 Contrarian Squeeze Trigger #1
Established market leader in Financials with deep daily trading liquidity.
🚀 Contrarian Squeeze Trigger #2
Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($36.42) and Max Pain ($38.27) forces dealer call-delta covering toward $41.65.
🚀 Contrarian Squeeze Trigger #3
Forensic Repair Trigger: Halting share dilution (Disciplined Float (-0.40% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.
🎲 LIVE PREDICTION MARKET ODDS TIED TO $TOWN• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “TOWN Beats Next Quarter EPS Consensus (Upcoming Quarter) & Holds Above 200D SMA”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →
Why TOWN Stock advanced +1.00% Today — RQD Quant Desk Flash
TowneBank (TOWN) advanced +1.00% to $36.45, trading at 64% of its 52-week range ($31.91 – $39.03). Stretched risk/reward at current multiples (steady margins) under elevated 10-year interest-rate pressure.
- ▸Technical Tape: Trading at 64% of its 52-week range ($31.91 – $39.03) with RSI-14 at 52.4 (NEUTRAL RANGE).
- ▸Volatility Profile: Historical 20-day realized swing band of ±3.9% around $36.45 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable D (Sell) backed by 52% gross margin and $76.2M annual free cash flow.
Live TOWN Headlines & Catalysts
MARKET WIREReuters • 3h ago
Nine people dead in Learjet crash in south Florida, officials say - ReutersNine people dead in Learjet crash in south Florida, officials say Reuters
MARKET WIREReuters • 5h ago
Iran's IRGC Navy says two tankers 'exploded' after hitting mines in Hormuz - ReutersIran's IRGC Navy says two tankers 'exploded' after hitting mines in Hormuz Reuters
MARKET WIRECNBC • 7h ago
Here are 3 big things we're watching in the stock market in the week aheadThe market could use a few victories in the days ahead, which will be filled with more earnings, an election, and jobs data.
MARKET WIRECNBC • 7h ago
Democratic Rep. Stevens endorses Rogers over El-Sayed in Michigan Senate electionHaley Stevens had lost the Democratic nomination for Senate in Michigan to Abdul El-Sayed earlier this year.
RISK WATCHReuters • 8h ago
Israeli strikes kill eight people in Gaza - medics say - ReutersIsraeli strikes kill eight people in Gaza - medics say Reuters
MARKET WIREReuters • 9h ago
Russia's FSB says minor detained over park attack threat after US tip-off - ReutersRussia's FSB says minor detained over park attack threat after US tip-off Reuters
MARKET WIREReuters • 10h ago
Iran, Qatari mediators hold third day of talks to end US-Iran war - ReutersIran, Qatari mediators hold third day of talks to end US-Iran war Reuters
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Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring TOWN)
- ✓Walkthrough of TOWN's RQD Radar, SEC cash-conversion gap & downside invalidation levels
- ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
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TOWN // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +2.50%▼ DESCENDING CHANNEL
2026-10-30O $36.75H $36.96L $36.14C $36.45VOL 576.4K
RES: $37.01SUP: $34.00SMA50: $36.42SMA200: $35.66
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK
TOWN Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
Share Count & Dilution Monitor (#25)
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
Reverse-DCF Expectations Hurdle (#30)
8.0%/yr Implied 5Y Growth
vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
Ellis Vennor Setup Ledger (#33)
No active Ellis Vennor swing setup published on TOWN today. View full Setup Ledger →
🦋 Documented & Second-Order Butterfly Connections
Open Graph →
No direct multi-tier Butterfly edges indexed yet for TOWN. Explore sector supply chains on /butterfly.
AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for TOWN today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK
📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (TOWN)
Financials Rank #784 of 1096
⚔️ NBTB vs TOWN Full Matrix →
1. Head-to-Head Financials Peer Comparison (TOWN vs. NBTB, FBK, BOH, FBNC)
Industry: Major Banks (248 Tracked Issuers)Across 1096 tracked Financials securities in the Roarable RQD universe, TowneBank (TOWN) ranks #784 by composite RQD confidence (51/100, grade D) and #383 by equity capitalization ($2.72B). Within this direct 5-issuer industry benchmark cohort, BOH leads on earnings valuation at 13.4x trailing P/E, while BOH leads on capital efficiency and profitability with 11.1% ROIC and — gross margin. NBTB currently holds the highest overall quantitative score in the immediate peer group at 74/100 (B) compared with TOWN at 51/100 (D).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| TOWN
ACTIVE
TowneBank | D | 51/100 | — | — | — | +1.00% | $2.72B | Benchmark Subject |
| NBTB NBT Bancorp Inc. | B | 74/100 | 16.3x | — | 8.9% | +1.92% | $2.75B | /nbtb-vs-town → |
| FBK FB Financial Corporation | C+ | 67/100 | 21.9x | — | 6.3% | +1.42% | $2.68B | /fbk-vs-town → |
| BOH Bank of Hawaii Corporation | B | 72/100 | 13.4x | — | 11.1% | +1.71% | $2.77B | /boh-vs-town → |
| FBNC First Bancorp | B- | 70/100 | 23.9x | — | 6.7% | +1.37% | $2.66B | /fbnc-vs-town → |
2. TOWN Fundamental Profitability, Capital Efficiency & Balance-Sheet Forensics
TRAILING 12M & FORWARD QUANTITATIVE SNAPSHOTTowneBank (TOWN) operates in Major Banks (Financials) with an equity capitalization of $2.72B, trailing P/E of N/A, forward P/E of N/A, and EV/EBITDA of N/A. Operating profitability registers a gross margin of —, operating margin of —, net profit margin of —, ROIC of —, and free cash flow yield of —, alongside an Altman Z-Score of N/A and Piotroski F-Score of N/A.
3. TOWN Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)
✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLEDIs TOWN stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
As of 2026-11-01, TowneBank (NASDAQ: TOWN) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 51/100 at a spot price of $36.45 (+1.00% 1D, market cap $2.72B). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 10/20, and SEC Balance-Sheet Forensics 9/20. Across 1096 tracked Financials issuers, TOWN ranks #784 in composite RQD confidence.
How does TOWN compare to NBTB and FBK in the Financials sector?
Within the Financials sector (Major Banks), TOWN carries a Roarable D (51/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of —. By comparison, NBTB (NBT Bancorp Inc.) holds a B grade (74/100 RQD, P/E 16.3x, ROIC 8.9%, cap $2.75B) and FBK (FB Financial Corporation) posts a C+ grade (67/100 RQD, P/E 21.9x, ROIC 6.3%, cap $2.68B). Among the 5-stock peer group, BOH leads on earnings multiple (13.4x) while BOH leads on capital efficiency (11.1% ROIC).
What are the biggest fundamental strengths and SEC risk factors for TOWN?
For TowneBank (TOWN), key quantitative strengths include Established market leader in Financials with deep daily trading liquidity. and sector rank #784 in Financials, while primary risk factors center on Company executives have done more routine share selling than personal cash buying lately. and Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.
Where is TOWN trading relative to its 50-day, 200-day, and 52-week technical levels?
TOWN last traded at $36.45 (+1.00% on volume of 614,899 shares), positioning the stock +0.08% above its 50-day simple moving average ($36.42) and +2.22% above its 200-day simple moving average ($35.66). Across its 52-week range of $31.91 to $39.03, TOWN sits at the 63.8% percentile with a 14-day RSI of 52.4 (NEUTRAL RANGE) and an implied next-earnings move of ±3.9% ($35.03 to $37.87).
TOWN Investor FAQ & Complete 8-Part Research Index
100% OPEN ACCESS • SEC EDGAR × CBOE × FREDWhy is TOWN stock moving today?
Why TOWN Stock advanced +1.00% Today — RQD Quant Desk Flash. Stretched risk/reward at current multiples (steady margins) under elevated 10-year interest-rate pressure.