Calvin B. Taylor Bankshares, Inc. Logo

Calvin B. Taylor Bankshares, Inc.

TYCB

(0.5)
Stock Price

45,93 USD

1.54% ROA

14.17% ROE

8.76x PER

Market Cap.

122.096.920,00 USD

0% DER

3.2% Yield

42.3% NPM

Calvin B. Taylor Bankshares, Inc. Stock Analysis

Calvin B. Taylor Bankshares, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Calvin B. Taylor Bankshares, Inc. Fundamental Stock Analysis
# Analysis Rating
1 Dividend

Investors can take comfort in the company's unwavering commitment to dividends, as it has consistently distributed payouts over the past five years, ensuring a reliable income stream.

2 ROE

Unidentified ROE

3 ROA

Unidentified ROA

4 PBV

Unidentified ROA

5 DER

Unidentified DER

6 Revenue Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

7 Net Profit Growth

Throughout the last five years, this company's net profit has remained unchanged, indicating a lack of growth and making it a less favorable investment option.

8 Assets Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

9 Graham Number

Unidentified Graham Number

10 Dividend Growth

Investors should note the company's stagnant dividend growth over the past three years, indicating limited profitability and potentially diminishing returns.

11 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock seems overpriced (0), indicating a potential drawback for investors as its market price exceeds its estimated intrinsic value.

Calvin B. Taylor Bankshares, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Calvin B. Taylor Bankshares, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Calvin B. Taylor Bankshares, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Calvin B. Taylor Bankshares, Inc. Revenue
Year Revenue Growth
1998 997.363
1999 1.051.072 5.11%
2000 1.277.938 17.75%
2001 14.597.601 91.25%
2002 15.471.594 5.65%
2003 15.211.125 -1.71%
2004 15.447.658 1.53%
2005 17.711.220 12.78%
2006 18.911.256 6.35%
2007 18.965.258 0.28%
2008 18.015.579 -5.27%
2009 17.348.181 -3.85%
2010 17.454.153 0.61%
2011 16.828.976 -3.71%
2012 15.462.587 -8.84%
2013 15.175.885 -1.89%
2014 15.247.987 0.47%
2015 15.322.086 0.48%
2016 16.454.115 6.88%
2017 17.930.233 8.23%
2018 20.188.901 11.19%
2019 22.184.786 9%
2020 21.837.019 -1.59%
2021 24.811.776 11.99%
2022 28.784.867 13.8%
2023 35.380.500 18.64%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Calvin B. Taylor Bankshares, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
1998 0
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Calvin B. Taylor Bankshares, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
1998 3.052.536
1999 3.076.309 0.77%
2000 3.238.854 5.02%
2001 3.536.660 8.42%
2002 3.622.841 2.38%
2003 3.827.414 5.34%
2004 3.903.278 1.94%
2005 4.097.533 4.74%
2006 4.257.185 3.75%
2007 4.533.160 6.09%
2008 4.670.951 2.95%
2009 5.166.403 9.59%
2010 5.176.755 0.2%
2011 5.018.875 -3.15%
2012 5.544.160 9.47%
2013 5.557.756 0.24%
2014 5.615.503 1.03%
2015 5.829.120 3.66%
2016 6.253.515 6.79%
2017 6.635.325 5.75%
2018 6.963.177 4.71%
2019 7.294.177 4.54%
2020 7.432.334 1.86%
2021 8.181.637 9.16%
2022 8.552.283 4.33%
2023 8.878.920 3.68%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Calvin B. Taylor Bankshares, Inc. EBITDA
Year EBITDA Growth
1998 7.606.465
1999 8.031.191 5.29%
2000 9.104.189 11.79%
2001 8.678.305 -4.91%
2002 9.410.084 7.78%
2003 9.222.847 -2.03%
2004 9.192.130 -0.33%
2005 10.891.313 15.6%
2006 11.833.784 7.96%
2007 11.259.882 -5.1%
2008 9.835.597 -14.48%
2009 8.547.279 -15.07%
2010 8.705.051 1.81%
2011 7.716.128 -12.82%
2012 7.255.965 -6.34%
2013 6.871.024 -5.6%
2014 7.455.210 7.84%
2015 7.640.403 2.42%
2016 8.181.452 6.61%
2017 9.000.020 9.1%
2018 10.279.522 12.45%
2019 11.778.468 12.73%
2020 10.491.061 -12.27%
2021 13.354.904 21.44%
2022 16.409.227 18.61%
2023 22.109.336 25.78%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Calvin B. Taylor Bankshares, Inc. Gross Profit
Year Gross Profit Growth
1998 997.363
1999 1.051.072 5.11%
2000 1.277.938 17.75%
2001 14.597.601 91.25%
2002 15.471.594 5.65%
2003 15.211.125 -1.71%
2004 15.447.658 1.53%
2005 17.711.220 12.78%
2006 18.911.256 6.35%
2007 18.965.258 0.28%
2008 18.015.579 -5.27%
2009 17.348.181 -3.85%
2010 17.454.153 0.61%
2011 16.828.976 -3.71%
2012 15.462.587 -8.84%
2013 15.175.885 -1.89%
2014 15.247.987 0.47%
2015 15.322.086 0.48%
2016 16.454.115 6.88%
2017 17.930.233 8.23%
2018 20.188.901 11.19%
2019 22.184.786 9%
2020 21.837.019 -1.59%
2021 24.811.776 11.99%
2022 28.784.867 13.8%
2023 35.380.500 18.64%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Calvin B. Taylor Bankshares, Inc. Net Profit
Year Net Profit Growth
1998 4.697.014
1999 5.019.660 6.43%
2000 5.624.558 10.75%
2001 5.414.404 -3.88%
2002 5.753.916 5.9%
2003 5.540.214 -3.86%
2004 5.613.187 1.3%
2005 6.797.638 17.42%
2006 7.400.369 8.14%
2007 7.296.587 -1.42%
2008 6.059.217 -20.42%
2009 5.109.609 -18.58%
2010 5.196.779 1.68%
2011 4.618.511 -12.52%
2012 4.357.100 -6%
2013 4.121.559 -5.71%
2014 4.506.454 8.54%
2015 4.614.981 2.35%
2016 4.928.113 6.35%
2017 5.504.815 10.48%
2018 7.402.096 25.63%
2019 8.330.059 11.14%
2020 7.268.014 -14.61%
2021 9.480.667 23.34%
2022 11.769.345 19.45%
2023 16.533.336 28.81%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Calvin B. Taylor Bankshares, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1998 1
1999 2 0%
2000 2 0%
2001 2 0%
2002 2 0%
2003 2 0%
2004 2 0%
2005 2 50%
2006 2 0%
2007 2 0%
2008 2 -100%
2009 2 0%
2010 2 0%
2011 2 0%
2012 1 0%
2013 1 0%
2014 2 0%
2015 2 0%
2016 2 0%
2017 2 0%
2018 3 50%
2019 3 0%
2020 3 0%
2021 3 33.33%
2022 4 25%
2023 6 33.33%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Calvin B. Taylor Bankshares, Inc. Free Cashflow
Year Free Cashflow Growth
1998 4.680.648
1999 5.590.160 16.27%
2000 6.265.581 10.78%
2001 4.810.465 -30.25%
2002 5.542.561 13.21%
2003 3.838.502 -44.39%
2004 5.420.280 29.18%
2005 6.843.977 20.8%
2006 6.741.985 -1.51%
2007 6.285.408 -7.26%
2008 6.096.777 -3.09%
2009 4.837.672 -26.03%
2010 6.485.282 25.41%
2011 6.297.443 -2.98%
2012 5.131.098 -22.73%
2013 5.807.189 11.64%
2014 5.650.736 -2.77%
2015 3.739.608 -51.11%
2016 4.273.809 12.5%
2017 4.988.562 14.33%
2018 7.815.949 36.17%
2019 7.300.613 -7.06%
2020 4.666.784 -56.44%
2021 11.501.280 59.42%
2022 12.581.788 8.59%
2023 3.688.271 -241.13%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Calvin B. Taylor Bankshares, Inc. Operating Cashflow
Year Operating Cashflow Growth
1998 4.680.648
1999 5.590.160 16.27%
2000 6.265.581 10.78%
2001 5.874.120 -6.66%
2002 6.192.900 5.15%
2003 5.779.573 -7.15%
2004 5.971.516 3.21%
2005 7.155.364 16.54%
2006 7.191.933 0.51%
2007 6.812.837 -5.56%
2008 6.466.140 -5.36%
2009 5.665.845 -14.12%
2010 6.725.891 15.76%
2011 6.676.942 -0.73%
2012 5.494.491 -21.52%
2013 6.093.776 9.83%
2014 5.801.022 -5.05%
2015 5.597.507 -3.64%
2016 6.055.622 7.57%
2017 6.463.332 6.31%
2018 8.805.670 26.6%
2019 9.446.446 6.78%
2020 7.955.677 -18.74%
2021 12.398.378 35.83%
2022 13.288.711 6.7%
2023 3.944.279 -236.91%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Calvin B. Taylor Bankshares, Inc. Capital Expenditure
Year Capital Expenditure Growth
1998 0
1999 0 0%
2000 0 0%
2001 1.063.655 100%
2002 650.339 -63.55%
2003 1.941.071 66.5%
2004 551.236 -252.13%
2005 311.387 -77.03%
2006 449.948 30.79%
2007 527.429 14.69%
2008 369.363 -42.79%
2009 828.173 55.4%
2010 240.609 -244.2%
2011 379.499 36.6%
2012 363.393 -4.43%
2013 286.587 -26.8%
2014 150.286 -90.69%
2015 1.857.899 91.91%
2016 1.781.813 -4.27%
2017 1.474.770 -20.82%
2018 989.721 -49.01%
2019 2.145.833 53.88%
2020 3.288.893 34.76%
2021 897.098 -266.61%
2022 706.923 -26.9%
2023 256.008 -176.13%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Calvin B. Taylor Bankshares, Inc. Equity
Year Equity Growth
1998 46.343.199
1999 49.220.334 5.85%
2000 53.085.209 7.28%
2001 57.242.570 7.26%
2002 60.015.286 4.62%
2003 63.636.032 5.69%
2004 66.697.568 4.59%
2005 66.318.384 -0.57%
2006 70.169.556 5.49%
2007 74.475.763 5.78%
2008 72.283.494 -3.03%
2009 72.277.293 -0.01%
2010 74.194.552 2.58%
2011 75.723.459 2.02%
2012 76.879.810 1.5%
2013 77.463.832 0.75%
2014 78.490.941 1.31%
2015 79.781.215 1.62%
2016 81.417.290 2.01%
2017 81.922.879 0.62%
2018 84.788.815 3.38%
2019 89.992.560 5.78%
2020 94.785.130 5.06%
2021 99.088.916 4.34%
2022 94.224.247 -5.16%
2023 99.105.109 4.92%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Calvin B. Taylor Bankshares, Inc. Assets
Year Assets Growth
1998 277.463.250
1999 288.920.798 3.97%
2000 289.048.011 0.04%
2001 336.824.567 14.18%
2002 369.242.946 8.78%
2003 386.486.401 4.46%
2004 393.332.982 1.74%
2005 389.074.624 -1.09%
2006 367.532.166 -5.86%
2007 369.145.673 0.44%
2008 372.602.511 0.93%
2009 393.528.296 5.32%
2010 406.147.804 3.11%
2011 416.228.164 2.42%
2012 442.893.074 6.02%
2013 447.347.060 1%
2014 451.042.947 0.82%
2015 467.009.029 3.42%
2016 489.337.793 4.56%
2017 521.968.436 6.25%
2018 531.909.554 1.87%
2019 548.004.110 2.94%
2020 711.795.304 23.01%
2021 904.478.786 21.3%
2022 905.940.143 0.16%
2023 899.714.244 -0.69%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Calvin B. Taylor Bankshares, Inc. Liabilities
Year Liabilities Growth
1998 0
1999 0 0%
2000 0 0%
2001 279.581.997 100%
2002 309.227.660 9.59%
2003 322.850.369 4.22%
2004 326.635.414 1.16%
2005 322.756.240 -1.2%
2006 297.362.610 -8.54%
2007 294.669.910 -0.91%
2008 300.319.017 1.88%
2009 321.251.003 6.52%
2010 331.953.252 3.22%
2011 340.504.705 2.51%
2012 366.013.264 6.97%
2013 369.883.228 1.05%
2014 372.552.006 0.72%
2015 387.227.814 3.79%
2016 407.920.503 5.07%
2017 440.045.557 7.3%
2018 447.120.739 1.58%
2019 458.011.550 2.38%
2020 617.010.174 25.77%
2021 805.389.870 23.39%
2022 75.438 -1067518.27%
2023 238.651 68.39%

Calvin B. Taylor Bankshares, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
11.87
Net Income per Share
5.02
Price to Earning Ratio
8.76x
Price To Sales Ratio
3.73x
POCF Ratio
8.21
PFCF Ratio
8.8
Price to Book Ratio
1.22
EV to Sales
3.41
EV Over EBITDA
5.92
EV to Operating CashFlow
7.55
EV to FreeCashFlow
8.04
Earnings Yield
0.11
FreeCashFlow Yield
0.11
Market Cap
0,12 Bil.
Enterprise Value
0,11 Bil.
Graham Number
63.75
Graham NetNet
62.97

Income Statement Metrics

Net Income per Share
5.02
Income Quality
1.07
ROE
0.14
Return On Assets
0.02
Return On Capital Employed
0.02
Net Income per EBT
0.77
EBT Per Ebit
1
Ebit per Revenue
0.55
Effective Tax Rate
0.23

Margins

Sales, General, & Administrative to Revenue
0.29
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
1
Operating Profit Margin
0.55
Pretax Profit Margin
0.55
Net Profit Margin
0.42

Dividends

Dividend Yield
0.03
Dividend Yield %
3.2
Payout Ratio
0.27
Dividend Per Share
1.41

Operating Metrics

Operating Cashflow per Share
5.36
Free CashFlow per Share
5.04
Capex to Operating CashFlow
-0.06
Capex to Revenue
-0.03
Capex to Depreciation
-0.95
Return on Invested Capital
0.14
Return on Tangible Assets
0.02
Days Sales Outstanding
24.34
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
14.99
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-0.33

Balance Sheet

Cash per Share
62,46
Book Value per Share
35,97
Tangible Book Value per Share
326.36
Shareholders Equity per Share
35.97
Interest Debt per Share
1.75
Debt to Equity
0
Debt to Assets
0
Net Debt to EBITDA
-0.56
Current Ratio
730.38
Tangible Asset Value
0,90 Bil.
Net Current Asset Value
0,17 Bil.
Invested Capital
0
Working Capital
0,17 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Calvin B. Taylor Bankshares, Inc. Dividends
Year Dividends Growth
2001 0
2002 1 100%
2003 1 0%
2005 1 0%
2006 2 100%
2007 1 0%
2008 2 100%
2009 1 0%
2010 1 0%
2011 1 0%
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 100%
2019 1 0%
2020 1 100%
2021 1 0%
2022 1 0%
2023 1 0%

Calvin B. Taylor Bankshares, Inc. Profile

About Calvin B. Taylor Bankshares, Inc.

Calvin B. Taylor Bankshares, Inc. operates as the holding company for Calvin B. Taylor Banking Company that provides commercial banking products and services. It accepts checking, money market, savings, and individual retirement accounts, as well as certificates of deposit. The company also offers consumer loans to individuals for personal, family, or household purchases, such as automobiles, trucks and vans, mobile homes, and personal expenses; mortgage loans comprising secured loans to individuals to purchase, construct, or enhance a primary or second home property; commercial loans, including secured and unsecured loans for business and professional purposes to retailers, wholesalers, service and related businesses, and manufacturers. In addition, it provides debit cards; ATM services; and online, mobile, and phone banking services. The company has 12 banking locations within the eastern coastal area of the Delmarva Peninsula, including Worcester County, Maryland; Sussex County, Delaware; and Accomack County, Virginia. Calvin B. Taylor Bankshares, Inc. was founded in 1890 and is headquartered in Berlin, Maryland.

CEO
Mr. Raymond M. Thompson
Employee
0
Address
24 North Main Street
Berlin, 21811

Calvin B. Taylor Bankshares, Inc. Executives & BODs

Calvin B. Taylor Bankshares, Inc. Executives & BODs
# Name Age
1 Ms. Tina B. Kolarik
Executive Vice President, Chief Operating Officer & Company Secretary
70
2 Ms. Tori C. Grundman
Marketing Manager
70
3 Mr. Raymond M. Thompson
President, Chief Executive Officer & Director
70
4 Ms. Cindy Meyer
Human Resources Manager
70
5 Mr. Michael Dean Lewis
Chief Financial Officer, Treasurer & Director
70
6 Ms. Donna E. Weaver
Vice President, Compliance Officer & Internal Auditor
70
7 Mr. Douglass M. Cook
Executive Vice President & Chief Lending Officer
70

Calvin B. Taylor Bankshares, Inc. Competitors