Calvin B Taylor Bankshares (TYCB) AI Stock Analysis

Calvin B Taylor Bankshares

(Other OTC:TYCB)

Select Model

Rating:75Outperform

Price Target:$73.00▲(26.85% Upside)

Action:reiterated

Date:08/19/26

TYCB scores well primarily on financial strength: a debt-free balance sheet, ~13% equity-to-assets capitalization, steady ~12% ROE, and free cash flow that converts nearly all reported earnings into cash. Valuation reinforces the case, with a modest 10.4x P/E and a 2.65% dividend yield. The score is held back by narrowing profit margins as funding costs rise, flattening recent earnings momentum, and a modest growth profile tied to a small, geographically concentrated market. Technically, the shares remain above their 100- and 200-day averages but near-term indicators (negative MACD, neutral RSI, price just under short-term averages) show momentum has stalled. Weights reflect the absence of earnings call and corporate event data, which were redistributed across the remaining components.

Positive Factors

Conservative Balance SheetA 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.

Negative Factors

Uneven Revenue GrowthThe 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.

Calvin B Taylor Bankshares (TYCB) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $151.91M
Dividend Yield: 2.71%
Average Volume (3M): 211
Price to Earnings (P/E): 10.0
Beta (1Y): -0.03
Revenue Growth: 10.34%
EPS Growth: 5.75%
Country: US
Employees: 116
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

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, inc...

How the Company Makes Money

Calvin B. Taylor Bankshares primarily makes money through its banking subsidiary by earning interest and fees associated with traditional community banking activities. The largest driver is typically net interest income: the bank earns interest on lo...

Calvin B Taylor Bankshares Financial Statement Overview

Summary

Blends the Income Statement (76), Balance Sheet (85), and Cash Flow (79) scores. The balance sheet is the anchor: no debt, equity grown to roughly $131 million against ~$1.02 billion of assets (about 13% equity-to-assets), and stable ROE near 12% — an unusually strong capital cushion for a community bank. Revenue has expanded from ~$25.6 million in 2021 to ~$61.3 million on a TTM basis with net income rising to ~$15.3 million, and cash generation is high quality, with ~$18.0 million of free cash flow converting roughly 94% of net income. Offsetting these strengths are meaningful margin compression (net margin down from 37–40% to ~25%, operating margin from ~51% to ~32%) on higher funding costs, flattening recent earnings versus full-year 2025, and lumpy year-to-year revenue and cash flow given the bank's small, geographically concentrated footprint.

Income Statement

76Positive

Balance Sheet

85Very Positive

Cash Flow

79Positive

Financial statement breakdown
Breakdown	TTM	Dec 2025	Dec 2024	Mar 2024	Dec 2022	Dec 2021
Income Statement
Total Revenue	61.31M	51.22M	32.84M	38.39M	30.32M	25.59M
Gross Profit	40.14M	39.09M	32.84M	32.27M	28.61M	24.69M
EBITDA	20.60M	20.88M	16.74M	18.27M	16.41M	13.35M
Net Income	15.35M	15.39M	13.06M	13.49M	11.77M	9.48M
Balance Sheet
Total Assets	1.02B	987.28M	938.39M	854.24M	905.94M	904.48M
Cash, Cash Equivalents and Short-Term Investments	188.65M	66.86M	19.60M	163.68M	178.22M	142.06M
Total Debt	0	0	0	0	0	0
Total Liabilities	888.83M	859.00M	823.88M	748.66M	811.72M	805.39M
Stockholders Equity	131.46M	128.28M	114.51M	105.58M	94.22M	99.09M
Cash Flow
Free Cash Flow	18.04M	12.20M	11.21M	13.34M	12.58M	11.50M
Operating Cash Flow	19.11M	16.85M	12.62M	14.26M	13.29M	12.40M
Investing Cash Flow	-40.84M	-58.28M	-43.52M	-46.19M	-163.51M	-78.42M
Financing Cash Flow	30.81M	28.33M	70.09M	-69.69M	2.33M	185.18M

Calvin B Taylor Bankshares Technical Analysis

Technical Analysis SentimentNegative

Last Price57.55

Price Trends

50DMA59.21Negative

100DMA58.87Negative

200DMA56.03Positive

Market Momentum

MACD-0.19Positive

RSI39.28Neutral

STOCH32.65Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TYCB, the sentiment is Negative. The current price of 57.55 is below the 20-day moving average (MA) of 58.44, below the 50-day MA of 59.21, and above the 200-day MA of 56.03, indicating a neutral trend. The MACD of -0.19 indicates Positive momentum. The RSI at 39.28 is Neutral, neither overbought nor oversold. The STOCH value of 32.65 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for TYCB.

Calvin B Taylor Bankshares Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

TYCB against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
TYCB	75Outperform	$155.05M	10.04	11.89%	2.71%	10.34%	5.75%
LARK	70Outperform	$195.64M	9.51	12.73%	2.57%	1.42%	18.96%
CFBK	68Neutral	$231.07M	10.06	11.74%	1.03%	-0.92%	39.31%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
MNSB	67Neutral	$151.57M	11.37	7.61%	1.81%	-5.53%	―
BVFL	66Neutral	$183.77M	14.33	6.96%	―	1.48%	43.50%

* Financial Sector Average

Performance Comparison

TYCB and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
TYCB	Calvin B Taylor Bankshares	57.55	8.92	18.35%
CFBK	Cf Bankshares Inc	35.00	11.92	51.62%
LARK	Landmark	32.35	8.72	36.93%
MNSB	Mainstreet Bancshares	22.05	3.73	20.37%
BVFL	BV Financial, Inc.	22.07	5.62	34.16%

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.

Date of analysis: Aug 19, 2026

Calvin B Taylor Bankshares AI Stock Analysis