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Calvin B Taylor Bankshares
(OTC:TYCB)
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Rating:82Outperform
Price Target:
$74.00
▲(22.27% Upside)
Action:Reiterated
Date:07/08/26
The score is driven primarily by strong financial performance (solid profitability, accelerating TTM revenue, debt-free balance sheet, and positive free cash flow). Valuation is supportive with a modest P/E and a ~2.36% dividend yield. Technicals are constructive due to strength above major moving averages and positive MACD, but the elevated RSI suggests near-term overbought risk that tempers the overall score.
Positive Factors
Strong Profitability
Sustained high operating and net margins indicate the franchise earns healthy spreads and fee income versus peers. This margin strength supports durable earnings power and the ability to absorb credit costs or invest in growth, underpinning stable return on equity over the medium term.
Negative Factors
Uneven Revenue Trend
Intermittent revenue declines indicate sensitivity to cyclical loan demand or fee variability, complicating planning and forecasting. Persistent uneven top-line performance could limit predictable earnings growth and require management to diversify revenue sources or manage credit mix actively.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong Profitability
Sustained high operating and net margins indicate the franchise earns healthy spreads and fee income versus peers. This margin strength supports durable earnings power and the ability to absorb credit costs or invest in growth, underpinning stable return on equity over the medium term.
Read all positive factors
Calvin B Taylor Bankshares (TYCB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$161.08M
Dividend Yield2.65%
Average Volume (3M)47.00
Price to Earnings (P/E)10.1
Beta (1Y)-0.08
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 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
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
Neutral
60.52
Price Trends
57.33
Positive
55.42
Positive
54.13
Positive
Market Momentum
1.10
Positive
50.30
Neutral
9.17
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TYCB, the sentiment is Neutral. The current price of 60.52 is below the 20-day moving average (MA) of 61.45, above the 50-day MA of 57.33, and above the 200-day MA of 54.13, indicating a neutral trend. The MACD of 1.10 indicates Positive momentum. The RSI at 50.30 is Neutral, neither overbought nor oversold. The STOCH value of 9.17 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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 |
|---|---|---|---|---|---|---|---|
82 Outperform | $161.08M | 10.10 | 12.80% | 2.65% | 13.30% | 14.22% | |
75 Outperform | $191.10M | 9.36 | 12.49% | 2.60% | 3.43% | 22.98% | |
69 Neutral | $164.13M | 11.36 | 8.00% | 1.71% | -6.41% | ― | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $231.52M | 12.18 | 7.72% | 1.05% | -0.38% | 4.70% | |
63 Neutral | $177.86M | 13.51 | 7.07% | ― | 3.34% | 48.38% |
* Financial Sector Average
TYCB
Calvin B Taylor Bankshares
58.05
4.30
7.99%
CFBK
CF Bankshares
35.56
12.54
54.49%
LARK
Landmark Bancorp
31.34
8.84
39.26%
MNSB
MainStreet Bancshares
23.06
3.49
17.83%
BVFL
BV Financial, Inc.
20.54
5.17
33.64%
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.