FNLC
Price
$24.87
Change
+$0.35 (+1.43%)
Updated
May 8 closing price
Capitalization
274.25M
TOWN
Price
$33.99
Change
+$0.53 (+1.58%)
Updated
May 8 closing price
Capitalization
2.06B
76 days until earnings call
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FNLC vs TOWN

Header iconFNLC vs TOWN Comparison
Open Charts FNLC vs TOWNBanner chart's image
First Ban
Price$24.87
Change+$0.35 (+1.43%)
Volume$11.99K
Capitalization274.25M
TowneBank
Price$33.99
Change+$0.53 (+1.58%)
Volume$199.29K
Capitalization2.06B
FNLC vs TOWN Comparison Chart
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FNLC
Daily Signalchanged days ago
Gain/Loss if bought
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TOWN
Daily Signalchanged days ago
Gain/Loss if bought
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FNLC vs. TOWN commentary
May 09, 2025

To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is FNLC is a StrongBuy and TOWN is a StrongBuy.

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COMPARISON
Comparison
May 09, 2025
Stock price -- (FNLC: $24.87 vs. TOWN: $33.99)
Brand notoriety: FNLC and TOWN are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: FNLC: 60% vs. TOWN: 71%
Market capitalization -- FNLC: $274.25M vs. TOWN: $2.06B
FNLC [@Regional Banks] is valued at $274.25M. TOWN’s [@Regional Banks] market capitalization is $2.06B. The market cap for tickers in the [@Regional Banks] industry ranges from $133.96B to $0. The average market capitalization across the [@Regional Banks] industry is $5.97B.

Long-Term Analysis

It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).

FNLC’s FA Score shows that 1 FA rating(s) are green whileTOWN’s FA Score has 3 green FA rating(s).

  • FNLC’s FA Score: 1 green, 4 red.
  • TOWN’s FA Score: 3 green, 2 red.
According to our system of comparison, FNLC is a better buy in the long-term than TOWN.

Short-Term Analysis

It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.

If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.

FNLC’s TA Score shows that 7 TA indicator(s) are bullish while TOWN’s TA Score has 5 bullish TA indicator(s).

  • FNLC’s TA Score: 7 bullish, 3 bearish.
  • TOWN’s TA Score: 5 bullish, 5 bearish.
According to our system of comparison, FNLC is a better buy in the short-term than TOWN.

Price Growth

FNLC (@Regional Banks) experienced а +2.05% price change this week, while TOWN (@Regional Banks) price change was +3.06% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +1.58%. For the same industry, the average monthly price growth was +9.27%, and the average quarterly price growth was +4.06%.

Reported Earning Dates

FNLC is expected to report earnings on Mar 07, 2025.

TOWN is expected to report earnings on Jul 24, 2025.

Industries' Descriptions

@Regional Banks (+1.58% weekly)

Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.

SUMMARIES
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FUNDAMENTALS
Fundamentals
TOWN($2.06B) has a higher market cap than FNLC($274M). TOWN has higher P/E ratio than FNLC: TOWN (13.37) vs FNLC (9.17). TOWN YTD gains are higher at: 0.524 vs. FNLC (-6.449). TOWN has more cash in the bank: 83.9M vs. FNLC (25.1M). FNLC has less debt than TOWN: FNLC (20.1M) vs TOWN (460M). TOWN has higher revenues than FNLC: TOWN (695M) vs FNLC (80.6M).
FNLCTOWNFNLC / TOWN
Capitalization274M2.06B13%
EBITDAN/AN/A-
Gain YTD-6.4490.524-1,231%
P/E Ratio9.1713.3769%
Revenue80.6M695M12%
Total Cash25.1M83.9M30%
Total Debt20.1M460M4%
FUNDAMENTALS RATINGS
FNLC vs TOWN: Fundamental Ratings
FNLC
TOWN
OUTLOOK RATING
1..100
1518
VALUATION
overvalued / fair valued / undervalued
1..100
42
Fair valued
70
Overvalued
PROFIT vs RISK RATING
1..100
3923
SMR RATING
1..100
169
PRICE GROWTH RATING
1..100
5549
P/E GROWTH RATING
1..100
4131
SEASONALITY SCORE
1..100
2750

Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.

FNLC's Valuation (42) in the Regional Banks industry is in the same range as TOWN (70). This means that FNLC’s stock grew similarly to TOWN’s over the last 12 months.

TOWN's Profit vs Risk Rating (23) in the Regional Banks industry is in the same range as FNLC (39). This means that TOWN’s stock grew similarly to FNLC’s over the last 12 months.

TOWN's SMR Rating (9) in the Regional Banks industry is in the same range as FNLC (16). This means that TOWN’s stock grew similarly to FNLC’s over the last 12 months.

TOWN's Price Growth Rating (49) in the Regional Banks industry is in the same range as FNLC (55). This means that TOWN’s stock grew similarly to FNLC’s over the last 12 months.

TOWN's P/E Growth Rating (31) in the Regional Banks industry is in the same range as FNLC (41). This means that TOWN’s stock grew similarly to FNLC’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
FNLCTOWN
RSI
ODDS (%)
Bullish Trend 2 days ago
65%
Bullish Trend 1 day ago
65%
Stochastic
ODDS (%)
Bearish Trend 1 day ago
63%
Bearish Trend 1 day ago
71%
Momentum
ODDS (%)
Bullish Trend 1 day ago
68%
Bullish Trend 1 day ago
54%
MACD
ODDS (%)
Bullish Trend 1 day ago
62%
Bullish Trend 1 day ago
58%
TrendWeek
ODDS (%)
Bullish Trend 1 day ago
56%
Bullish Trend 1 day ago
60%
TrendMonth
ODDS (%)
Bullish Trend 1 day ago
59%
Bullish Trend 1 day ago
59%
Advances
ODDS (%)
Bullish Trend 10 days ago
55%
Bullish Trend 1 day ago
58%
Declines
ODDS (%)
Bearish Trend 8 days ago
54%
Bearish Trend 28 days ago
58%
BollingerBands
ODDS (%)
Bullish Trend 1 day ago
67%
Bearish Trend 1 day ago
74%
Aroon
ODDS (%)
Bearish Trend 1 day ago
42%
Bearish Trend 1 day ago
65%
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FNLC
Daily Signalchanged days ago
Gain/Loss if bought
Show more...
TOWN
Daily Signalchanged days ago
Gain/Loss if bought
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FNLC and

Correlation & Price change

A.I.dvisor indicates that over the last year, FNLC has been closely correlated with MBWM. These tickers have moved in lockstep 82% of the time. This A.I.-generated data suggests there is a high statistical probability that if FNLC jumps, then MBWM could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To FNLC
1D Price
Change %
FNLC100%
+1.43%
MBWM - FNLC
82%
Closely correlated
+1.34%
GSBC - FNLC
81%
Closely correlated
+1.51%
CVBF - FNLC
81%
Closely correlated
+2.23%
CTBI - FNLC
81%
Closely correlated
+2.39%
RBCAA - FNLC
81%
Closely correlated
+0.86%
More