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TowneBank · NASDAQ
Price: $33.32 · Annual div: $1.78/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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Year your monthly dividend income covers each expense (based on current settings)
$10,000 in TOWN → $314.2K in 10 years · $3,646.71/month
TowneBank provides retail and commercial banking services for individuals, commercial enterprises, and professionals. The company operates through three segments: Banking, Realty, and Insurance. It accepts various deposits, including demand deposits, savings accounts, money rate savings, certificates of deposit, and individual retirement accounts. The company also offers secured and unsecured personal loans for financing automobiles, home improvements, education, and personal investments; commercial loans for working capital, business expansion, and equipment and machinery purchases; and mortgage loans, as well as real estate acquisition, development, and construction loans. In addition, it provides other services, such as safe deposit boxes, treasury management services, direct deposit of payroll and social security checks, and automatic drafts for various accounts, as well as online, mobile, and on-call banking services. Further, the company offers documentation services to accomplish tax deferral to investors; investment and asset management services; commercial mortgage brokerage services; and other financial services, such as financial, retirement, and estate planning services, as well as assistance on various investment options comprising alternative investments, annuities, margin accounts, convertible bonds, and pension and profit-sharing plans. Additionally, it provides residential real estate, relocation, property management, vacations rental, and title and settlement services; and originates residential mortgage loans. The company also offers life, property, casualty, and vehicle insurance services; and employee benefit programs, such as health, dental, vision, and disability insurance. It operates in Richmond, Virginia, the Greater Hampton Roads region in southeastern Virginia, northeastern North Carolina, Raleigh, Charlotte, Greensboro, and Greenville, North Carolina. TowneBank was incorporated in 1998 and is headquartered in Portsmouth, Virginia.
This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
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Real after-tax yield depends on where you live and how you hold TOWN.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 5.34% | 2.54% | $534 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 4.54% | 1.74% | $454 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 4.27% | 1.47% | $427 / yr |
| 🇬🇧 UK ISA | 0% | 5.34% | 2.54% | $534 / yr |
| 🇬🇧 UK Taxable | 8.75% | 4.87% | 2.07% | $487 / yr |
| 🇨🇦 TFSA | 0% | 5.34% | 2.54% | $534 / yr |
| 🇨🇦 CA Taxable | 25% | 4.00% | 1.21% | $401 / yr |
| 🇦🇺 Super (pension) | 15% | 4.54% | 1.74% | $454 / yr |
| 🇦🇺 AU Taxable | 30% | 3.74% | 0.94% | $374 / yr |
| 🇩🇪 DE Taxable | 26.375% | 3.93% | 1.13% | $393 / yr |
| 🇫🇷 FR Taxable | 30% | 3.74% | 0.94% | $374 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $1.78/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
TOWN pays quarterly — 4 times per year. Next ex-div: TBD.
How TOWN compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for TOWN sourced from FMP /financial-growth endpoint — real data, not estimates.
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the TOWN dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
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