Calvin B Taylor Bankshares Inc (TYCB)
OTHER OTC:TYCB
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Calvin B Taylor Bankshares
(OTC:TYCB)
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Rating:79Outperform
Price Target:
$61.00
▲(15.01% Upside)
Action:Upgraded
Date:05/15/26
The score is driven primarily by strong financial quality (healthy profitability, positive free cash flow, and zero reported debt with rising equity) and supportive valuation (low P/E with a ~2.8% yield). Offsetting these strengths, technical indicators are currently neutral-to-soft with negative MACD and no clear momentum trend.
Positive Factors
Conservative Balance Sheet
Zero reported debt and a growing equity base provide durable financial flexibility. This capital buffer supports lending growth, loss absorption and regulatory resilience, reducing reliance on volatile wholesale funding and enabling long-term strategic options.
Negative Factors
Revenue Volatility
An uneven revenue trajectory, including a notable 2024 decline, reduces predictability of earnings and capital planning. Persistent top-line swings can pressure margins and complicate long-term budgeting for credit provisioning and branch or product investments.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative Balance Sheet
Zero reported debt and a growing equity base provide durable financial flexibility. This capital buffer supports lending growth, loss absorption and regulatory resilience, reducing reliance on volatile wholesale funding and enabling long-term strategic options.
Read all positive factors
Calvin B Taylor Bankshares (TYCB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$152.62M
Dividend Yield2.78%
Average Volume (3M)47.00
Price to Earnings (P/E)9.4
Beta (1Y)-0.05
Revenue Growth13.30%
EPS Growth14.22%
CountryUS
Employees116
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)5.75
Shares Outstanding2,774,926
10 Day Avg. Volume46
30 Day Avg. Volume47
Financial Highlights & Ratios
PEG Ratio0.52
Price to Book (P/B)1.16
Price to Sales (P/S)2.89
P/FCF Ratio12.15
Enterprise Value/Market Cap0.92
Enterprise Value/Revenue2.33
Enterprise Value/Gross Profit3.58
Enterprise Value/Ebitda6.78
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Calvin B Taylor Bankshares Business Overview & Revenue Model
Company Description
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, ...
How the Company Makes Money
Calvin B. Taylor Bankshares primarily makes money through its bank subsidiary’s net interest income and noninterest income. Net interest income is earned from the spread between interest income generated on loans (such as commercial, real estate, ...
Calvin B Taylor Bankshares Financial Statement Overview
Summary
Income Statement
86
Very Positive
Balance Sheet
91
Very Positive
Cash Flow
83
Very Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Mar 2024 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 60.35M | 51.22M | 32.84M | 38.39M | 30.32M | 25.59M |
| Gross Profit | 39.18M | 39.09M | 32.84M | 32.27M | 28.61M | 24.69M |
| EBITDA | 20.71M | 20.88M | 16.74M | 18.27M | 16.41M | 13.35M |
| Net Income | 15.51M | 15.39M | 13.06M | 13.49M | 11.77M | 9.48M |
Balance Sheet | ||||||
| Total Assets | 994.49M | 987.28M | 938.39M | 854.24M | 905.94M | 904.48M |
| Cash, Cash Equivalents and Short-Term Investments | 184.33M | 66.86M | 19.60M | 163.68M | 178.22M | 142.06M |
| Total Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Liabilities | 865.45M | 859.00M | 823.88M | 748.66M | 811.72M | 805.39M |
| Stockholders Equity | 129.03M | 128.28M | 114.51M | 105.58M | 94.22M | 99.09M |
Cash Flow | ||||||
| Free Cash Flow | 15.98M | 12.20M | 11.21M | 13.34M | 12.58M | 11.50M |
| Operating Cash Flow | 20.57M | 16.85M | 12.62M | 14.26M | 13.29M | 12.40M |
| Investing Cash Flow | -50.91M | -58.28M | -43.52M | -46.19M | -163.51M | -78.42M |
| Financing Cash Flow | 25.35M | 28.33M | 70.09M | -69.69M | 2.33M | 185.18M |
Calvin B Taylor Bankshares Technical Analysis
Positive
53.04
Price Trends
53.10
Positive
53.96
Positive
53.63
Positive
Market Momentum
0.32
Negative
72.84
Negative
100.00
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TYCB, the sentiment is Positive. The current price of 53.04 is below the 20-day moving average (MA) of 53.26, below the 50-day MA of 53.10, and below the 200-day MA of 53.63, indicating a bullish trend. The MACD of 0.32 indicates Negative momentum. The RSI at 72.84 is Negative, neither overbought nor oversold. The STOCH value of 100.00 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for TYCB.
Calvin B Taylor Bankshares Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | $152.62M | 9.35 | 12.80% | 2.78% | 13.30% | 14.22% | |
77 Outperform | $182.93M | 9.40 | 12.22% | 3.01% | 4.70% | 27.81% | |
69 Neutral | $177.44M | 10.48 | 7.98% | 1.90% | -4.00% | ― | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $203.52M | 10.79 | 9.76% | 1.16% | 0.91% | 22.40% | |
63 Neutral | $173.18M | 13.68 | 6.61% | ― | 5.29% | 31.40% |
* Financial Sector Average
TYCB
Calvin B Taylor Bankshares
55.00
1.97
3.72%
CFBK
CF Bankshares
30.56
7.47
32.35%
LARK
Landmark Bancorp
29.57
5.02
20.47%
MNSB
MainStreet Bancshares
24.17
6.51
36.89%
BVFL
BV Financial, Inc.
20.35
6.24
44.22%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.