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Calvin B Taylor Bankshares (TYCB) Stock Price & Analysis
TYCB Stock Chart & Stats
- Day’s Range
- $57.55 - $59.95
- 52-Week Range
- $50.01 - $68.25
- Previous Close
- $58.75
- Volume
- N/A
- Average Volume (3M)
- 14
- Market Cap
- $155.05M
- Enterprise Value
- $137.59M
- Total Cash (Recent Filing)
- $188.65M
- Total Debt (Recent Filing)
- $0
- Price to Earnings (P/E)
- 10.0
- Beta
- -0.03
- Next Earnings
- Dec 18, 2026 (Est.)
- EPS Estimate
- N/A
- Last Dividend Ex-Date
- Oct 26, 2026
- Dividend Yield
- 2.65%
Bulls Say, Bears Say
Bulls Say
Conservative Balance Sheet
A debt-free balance sheet materially reduces financial risk and preserves flexibility through changing credit and interest-rate conditions. Growing equity provides a stronger capital base for lending, absorbs potential losses, and supports continued operations without relying on leverage.
Strong Profitability And Revenue Growth
High, sustained profitability indicates that the community banking model is converting revenue into earnings effectively. The renewed revenue expansion in 2025 and TTM can support capital formation and reinvestment, although maintaining margins will remain important as growth continues.
Quality Cash Generation
Free cash flow that closely tracks reported earnings supports the quality of profits and gives the bank internal resources for reinvestment and financial flexibility. Consistently positive operating cash flow also reduces reliance on external funding to sustain the business.
Bears Say
Uneven Revenue Growth
The reversal from revenue decline in 2024 to strong expansion afterward shows that growth has not been consistently durable across periods. Such variability can make forward earnings progression less predictable and complicate planning for lending growth, expenses, and capital allocation.
Recent Margin Compression
Lower margins while revenue is increasing may indicate that incremental growth is producing less profit than in prior periods. If the compression persists, it could limit earnings conversion, reduce capital accumulation, and weaken the benefit of continued top-line expansion.
Limited Improvement In Capital Efficiency
Stable rather than improving returns on equity suggest that the larger capital base has not yet generated materially stronger efficiency. While this is not a balance-sheet weakness, limited ROE progression could constrain the pace at which retained earnings translate into incremental shareholder returns.
Calvin B Taylor Bankshares News
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Company Description
Calvin B Taylor Bankshares
Calvin B. Taylor Bankshares, Inc. functions as the parent corporation for Calvin B. Taylor Banking Company, specializing in the provision of diverse commercial banking products and services. The institution offers various deposit account options, including checking, money market, and savings accounts, along with individual retirement accounts (IRAs) and certificates of deposit (CDs). Its lending portfolio encompasses consumer loans tailored for individuals' personal, family, or household expenditures, such as vehicle acquisitions (automobiles, trucks, vans), mobile home purchases, and general personal expenses. Additionally, the bank provides secured mortgage financing to assist individuals in acquiring, constructing, or enhancing their primary or secondary residential properties. For businesses, it extends both secured and unsecured commercial credit to a broad spectrum of enterprises, including retailers, wholesalers, service providers, and manufacturers, to support their professional and operational needs. Beyond these core services, Calvin B. Taylor Banking Company enhances customer convenience with debit cards, ATM access, and comprehensive digital banking solutions available through online, mobile, and telephone channels. The company maintains a network of 12 banking branches situated across the eastern coastal area of the Delmarva Peninsula, specifically serving Worcester County, Maryland; Sussex County, Delaware; and Accomack County, Virginia. Founded in 1890, Calvin B. Taylor Bankshares, Inc. is headquartered in Berlin, Maryland.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Michael Dean Lewis
- Employees
- 116
- Website
- www.taylorbank.com
- Address
- 24 North Main Street, Berlin, MD, 21811, US
Calvin B Taylor Bankshares (TYCB) Earnings & Revenues
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 5 | 5 | 12 |
| Technical Analysis | 3 | 5 | 2 |
| Moving Averages | 2 | 0 | 10 |



