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Calvin B Taylor Bankshares (TYCB) Ratios
Calvin B Taylor Bankshares Ratios
TYCB's free cash flow for Q2 2026 was $4.34M. For the 2026 fiscal year, TYCB's free cash flow was decreased by $-175.61K and operating cash flow was $4.52M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Mar 24 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.08 | 0.16 | 0.46 | 0.23 | 5523.30 |
| Quick Ratio | 0.08 | 0.16 | 0.46 | 0.23 | 5523.30 |
| Cash Ratio | 0.01 | 0.15 | 0.02 | 0.01 | 515.19 |
| Solvency Ratio | 0.02 | 0.02 | 0.02 | 0.02 | 0.01 |
| Operating Cash Flow Ratio | 0.02 | 0.02 | 0.03 | 0.02 | 476.33 |
| Short-Term Operating Cash Flow Coverage | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Current Asset Value | $ -788.96M | $ -740.53M | $ -537.23M | $ -628.94M | $ -661.62M |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Debt-to-Equity Ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Debt-to-Capital Ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Long-Term Debt-to-Capital Ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Financial Leverage Ratio | 7.70 | 8.19 | 8.09 | 9.61 | 9.13 |
| Debt Service Coverage Ratio | 1.53 | 1.28 | 2.47 | 7.95 | 13.34 |
| Interest Coverage Ratio | 1.85 | 1.80 | 2.96 | 9.68 | 15.82 |
| Debt to Market Cap | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest Debt Per Share | 3.95 | 3.73 | 2.12 | 0.58 | 0.28 |
| Net Debt to EBITDA | -0.27 | -4.78 | -0.47 | -0.63 | -1.00 |
| Profitability Margins | |||||
| Gross Profit Margin | 76.32% | 100.00% | 84.04% | 94.38% | 96.45% |
| EBIT Margin | 38.75% | 50.97% | 45.12% | 51.01% | 48.41% |
| EBITDA Margin | 40.76% | 50.97% | 47.58% | 54.13% | 52.18% |
| Operating Profit Margin | 38.75% | 55.96% | 45.12% | 51.01% | 48.41% |
| Pretax Profit Margin | 38.75% | 50.97% | 45.12% | 51.01% | 48.41% |
| Net Profit Margin | 30.05% | 39.76% | 35.13% | 38.82% | 37.04% |
| Continuous Operations Profit Margin | 30.05% | 39.76% | 35.13% | 38.82% | 37.04% |
| Net Income Per EBT | 77.56% | 78.00% | 77.85% | 76.10% | 76.51% |
| EBT Per EBIT | 100.00% | 91.09% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 1.56% | 1.39% | 1.58% | 1.30% | 1.05% |
| Return on Equity (ROE) | 12.00% | 11.40% | 12.77% | 12.49% | 9.57% |
| Return on Capital Employed (ROCE) | 15.14% | 4.54% | 4.41% | 16.08% | 1.37% |
| Return on Invested Capital (ROIC) | 11.74% | 2.94% | 2.41% | 12.24% | 3.15% |
| Return on Tangible Assets | 1.56% | 1.39% | 1.58% | 1.30% | 1.05% |
| Earnings Yield | 10.38% | 9.94% | 11.12% | 10.15% | 9.28% |
| Efficiency Ratios | |||||
| Receivables Turnover | 16.09 | 12.06 | 15.63 | 7.92 | 15.04 |
| Payables Turnover | 17.96 | 15.95 | 16.23 | 22.58 | 34.89 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 3.11 | 2.55 | 3.09 | 2.38 | 1.98 |
| Asset Turnover | 0.05 | 0.04 | 0.04 | 0.03 | 0.03 |
| Working Capital Turnover Ratio | -0.08 | -0.09 | -0.09 | -0.13 | -0.14 |
| Cash Conversion Cycle | 2.36 | 7.39 | 0.87 | 29.90 | 13.80 |
| Days of Sales Outstanding | 22.68 | 30.27 | 23.36 | 46.07 | 24.26 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 20.32 | 22.89 | 22.48 | 16.17 | 10.46 |
| Operating Cycle | 22.68 | 30.27 | 23.36 | 46.07 | 24.26 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 6.20 | 4.61 | 5.17 | 4.81 | 4.49 |
| Free Cash Flow Per Share | 4.49 | 4.09 | 4.84 | 4.56 | 4.16 |
| Dividend Paid and CapEx Coverage Ratio | 1.95 | 2.41 | 3.09 | 3.26 | 3.02 |
| Capital Expenditure Coverage Ratio | 3.62 | 8.95 | 15.46 | 18.80 | 13.82 |
| Operating Cash Flow Coverage Ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Cash Flow to Sales Ratio | 0.33 | 0.38 | 0.37 | 0.44 | 0.48 |
| Free Cash Flow Yield | 8.23% | 8.53% | 11.00% | 10.85% | 11.25% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 9.63 | 10.06 | 8.99 | 9.86 | 10.78 |
| Price-to-Sales (P/S) Ratio | 2.89 | 4.00 | 3.16 | 3.83 | 3.99 |
| Price-to-Book (P/B) Ratio | 1.16 | 1.15 | 1.15 | 1.23 | 1.03 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 12.15 | 11.72 | 9.09 | 9.22 | 8.89 |
| Price-to-Operating Cash Flow Ratio | 8.80 | 10.41 | 8.50 | 8.73 | 8.24 |
| Price-to-Earnings Growth (PEG) Ratio | 0.52 | -4.10 | 0.61 | 0.41 | 0.35 |
| Enterprise Value Multiple | 6.83 | 3.07 | 6.17 | 6.44 | 6.65 |
| Enterprise Value | 142.50M | 51.45M | 112.62M | 105.71M | 88.78M |
| EV to EBITDA | 6.83 | 3.07 | 6.17 | 6.44 | 6.65 |
| EV to Sales | 2.78 | 1.57 | 2.93 | 3.49 | 3.47 |
| EV to Free Cash Flow | 11.68 | 4.59 | 8.44 | 8.40 | 7.72 |
| EV to Operating Cash Flow | 8.46 | 4.08 | 7.90 | 7.96 | 7.16 |
| Tangible Book Value Per Share | 47.11 | 41.78 | 38.25 | 34.05 | 35.75 |
| Shareholders’ Equity Per Share | 47.16 | 41.83 | 38.31 | 34.14 | 35.88 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.22 | 0.22 | 0.22 | 0.24 | 0.23 |
| Revenue Per Share | 18.83 | 12.00 | 13.93 | 10.98 | 9.27 |
| Net Income Per Share | 5.66 | 4.77 | 4.89 | 4.26 | 3.43 |
| Tax Burden | 0.78 | 0.78 | 0.78 | 0.76 | 0.77 |
| Interest Burden | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.24 | 0.44 | 0.25 | 0.28 | 0.32 |
| Stock-Based Compensation to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Income Quality | 1.09 | 0.97 | 1.06 | 1.13 | 1.31 |
Currency in USD
