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Calvin B Taylor Bankshares
(OTC:TYCB)
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Rating:76Outperform
Price Target:
$74.00
▲(23.33% Upside)
Action:Reiterated
Date:08/19/26
The score is driven primarily by strong financial performance (high profitability, no debt, and solid cash generation) and supported by reasonable valuation (low P/E with a dividend). The main offset is a softer near-term technical picture (negative MACD and trading slightly below shorter-term moving averages).
Positive Factors
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.
Negative Factors
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.
Read all positive and negative factors
Positive Factors
Negative Factors
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.
Read all positive factors
Calvin B Taylor Bankshares (TYCB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$162.97M
Dividend Yield2.49%
Average Volume (3M)20.00
Price to Earnings (P/E)10.8
Beta (1Y)-0.04
Revenue Growth10.34%
EPS Growth5.75%
CountryUS
Employees116
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)5.73
Shares Outstanding2,639,125
10 Day Avg. Volume40
30 Day Avg. Volume20
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
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 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...
Calvin B Taylor Bankshares Financial Statement Overview
Summary
Income Statement
86
Very Positive
Balance Sheet
91
Very Positive
Cash Flow
82
Very Positive
| 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 | 20.34M | 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 | 7.56M | 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 | 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 | -28.41M | -58.28M | -43.52M | -46.19M | -163.51M | -78.42M |
| Financing Cash Flow | 9.45M | 28.33M | 70.09M | -69.69M | 2.33M | 185.18M |
Calvin B Taylor Bankshares Technical Analysis
Positive
60.00
Price Trends
60.22
Positive
57.03
Positive
55.15
Positive
Market Momentum
0.99
Negative
55.37
Neutral
18.10
Positive
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 60 is below the 20-day moving average (MA) of 60.14, below the 50-day MA of 60.22, and above the 200-day MA of 55.15, indicating a bullish trend. The MACD of 0.99 indicates Negative momentum. The RSI at 55.37 is Neutral, neither overbought nor oversold. The STOCH value of 18.10 is Positive, 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 |
|---|---|---|---|---|---|---|---|
83 Outperform | $198.27M | 9.70 | 12.49% | 2.55% | 3.33% | 22.98% | |
76 Outperform | $162.97M | 10.78 | 11.89% | 2.49% | 10.34% | 5.75% | |
76 Outperform | $179.88M | 12.44 | 8.00% | 1.58% | -6.41% | ― | |
68 Neutral | $228.40M | 12.05 | 10.09% | 1.00% | -0.39% | 4.70% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $177.21M | 13.76 | 7.07% | 0.70% | 3.34% | 48.71% |
* Financial Sector Average
TYCB
Calvin B Taylor Bankshares
61.75
6.44
11.65%
CFBK
CF Bankshares
35.18
10.38
41.88%
LARK
Landmark Bancorp
32.50
7.92
32.23%
MNSB
MainStreet Bancshares
25.26
4.35
20.80%
BVFL
BV Financial, Inc.
20.92
4.18
24.97%
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.