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Calvin B. Taylor Bankshares, Inc. (TYCB)

USD67.18 +1.93 (+2.96%)
US OTC Financial Services Banks - Regional
Address 24 North Main Street 21811
Berlin, MD, US
CEO Michael Dean Lewis
IPO 2000-05-16
ISIN US8768381035

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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, including checking, money market, and savings accounts, along with individual retirement accounts (IRAs) and certificates of deposit (CDs). Its lending portfolio encompasses consumer loans tailored for individuals' personal, family, or household expenditures, such as vehicle acquisitions (automobiles, trucks, vans), mobile home purchases, and general personal expenses. Additionally, the bank provides secured mortgage financing to assist individuals in acquiring, constructing, or enhancing their primary or secondary residential properties. For businesses, it extends both secured and unsecured commercial credit to a broad spectrum of enterprises, including retailers, wholesalers, service providers, and manufacturers, to support their professional and operational needs. Beyond these core services, Calvin B. Taylor Banking Company enhances customer convenience with debit cards, ATM access, and comprehensive digital banking solutions available through online, mobile, and telephone channels. The company maintains a network of 12 banking branches situated across the eastern coastal area of the Delmarva Peninsula, specifically serving Worcester County, Maryland; Sussex County, Delaware; and Accomack County, Virginia. Founded in 1890, Calvin B. Taylor Bankshares, Inc. is headquartered in Berlin, Maryland.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD67.18 +1.93 (+2.96%)
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Volume Profile
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Liquidity & share structure
Average Volume
103
Beta
-0.12
Float Shares
2.12M
Free Float %
78.2%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-0.19% -0.19% +1.71% +0.36% -1.11% -2.02% -1.13% +40.30% +46.30% +87.50% +142.73%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
67.18
DCF (Unlevered) 477.04 +610.1%
DCF (Levered) 522.99 +678.5%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Quality scores
Altman Z-Score
0.42
Distress
Piotroski F-Score
7 / 9
Strong
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
5 / 5
High
ROE Score
4 / 5
High
ROA Score
4 / 5
High
D/E Score
1 / 5
Low
P/E Score
3 / 5
Medium
P/Book Score
2 / 5
Medium
Operational MOAT
  • Revenue growth
    +56.0% Q1'26: +15.5% (vs Q1'25)
  • EPS growth
    +18.7% Q1'26: +7.4% (vs Q1'25)
  • FCF margin
    Q1'26: +50.2% (vs Q1'25)
  • EBIT margin
    Q1'26: +40.3% (vs Q1'25)
  • ROIC
    Q1'26: +12.4% (vs Q1'25)
  • Share dilution
    -0.6% Q1'26: -3.7% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 0.00× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (-0.12) × ERP
WACC = 100% × Ke + 0% × Kd (4.1%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 475.44 Current price: 67.18
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-14 B+ 3/5 5/5 4/5 4/5 1/5 3/5 2/5
2026-05-07 B+ 3/5 5/5 4/5 4/5 1/5 3/5 2/5
2026-05-06 B+ 3/5 5/5 4/5 4/5 1/5 3/5 2/5
2026-04-23 A- 4/5 5/5 4/5 5/5 1/5 3/5 3/5
2026-04-20 A- 4/5 5/5 4/5 5/5 1/5 3/5 3/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
17.91M
OE per share TTM
6.65
Owner's Yield
12.72%
Maintenance CapEx ratio
15.22%
Maint CapEx / Avg PPE
40.7%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions From To
Date Person Role Transaction A/D Security Shares Price Value Owned after D/I Filing
2006-03-13 MOORE JOSEPH E Director P-Purchase A Common Stock 300 37.00 11.1K 3,751

Executive team

Top executives
EBIT / Employee
171.1K
Shares Outstanding
2.71M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Michael Dean Lewis President, Chief Executive Officer, & Director 282.1K male
Andrea Adams Chief Retail Banking Officer female
Carolynn Vogel Compliance Officer & Internal Auditor female
Kathleen J. Allam Chief Information Technology Officer
Lauren Ruhl Director of Human Resources female
Philip E. O'Neil Chief Financial Officer male
Raymond I. Robinson Jr. Senior Vice President of Branch Operations male
Tina Kolarik Executive Vice President, Chief Operating Officer & Company Secretary female
Adam W. James Senior Credit Officer male
Tori C. Grundman Marketing Director female
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits