OTCPK:TYCB

Stock Analysis Report

Calvin B. Taylor Bankshares

Executive Summary

Calvin B. Taylor Bankshares, Inc. operates as the holding company for Calvin B.

Snowflake

Fundamentals

Second-rate dividend payer with weak fundamentals.


Similar Companies

Share Price & News

How has Calvin B. Taylor Bankshares's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

-0.03%

TYCB

2.9%

US Banks

0.07%

US Market


1 Year Return

-8.8%

TYCB

8.6%

US Banks

8.9%

US Market

Return vs Industry: TYCB underperformed the US Banks industry which returned 8.6% over the past year.

Return vs Market: TYCB underperformed the US Market which returned 8.9% over the past year.


Shareholder returns

TYCBIndustryMarket
7 Day-0.03%2.9%0.07%
30 Day0.7%3.4%-0.3%
90 Day-0.7%2.1%-1.6%
1 Year-4.3%-8.8%11.8%8.6%11.3%8.9%
3 Year43.9%27.7%54.8%44.1%46.3%36.8%
5 Year62.5%34.4%70.2%51.6%62.1%44.3%

Price Volatility Vs. Market

How volatile is Calvin B. Taylor Bankshares's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Calvin B. Taylor Bankshares undervalued compared to its fair value and its price relative to the market?


Share Price vs. Fair Value

Below Fair Value: TYCB ($34.74) is trading above our estimate of fair value ($12.25)

Significantly Below Fair Value: TYCB is trading above our estimate of fair value.


Price To Earnings Ratio

PE vs Industry: Insufficient data to calculate TYCB's PE Ratio to determine if it is good value compared to the Banks industry average.

PE vs Market: Insufficient data to calculate TYCB's PE Ratio to determine if it is good value compared to the US market.


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate TYCB's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: Insufficient data to calculate TYCB's PB Ratio to determine if it is good value.


Next Steps

Future Growth

How is Calvin B. Taylor Bankshares forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

0.6%

Forecasted Banks industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Calvin B. Taylor Bankshares has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

  • Take a look at our analysis of TYCB’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access Calvin B. Taylor Bankshares's filings and announcements here.
  • Explore growth companies in the Banks industry.

Past Performance

How has Calvin B. Taylor Bankshares performed over the past 5 years?

15.7%

Historical Banks annual earnings growth


In this section we usually display a company’s past earnings and revenues to help investors visualise the trend through time. We also gauge the company’s performance by benchmarking its returns and growth to its industry peers and the wider market. However, Calvin B. Taylor Bankshares has not provided sufficient past data to assess its track record.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have historical data.


Next Steps

Financial Health

How is Calvin B. Taylor Bankshares's financial position? (This company is analysed differently as a bank or financial institution)


In this section we usually analyse Calvin B. Taylor Bankshares's finance health to determine how well-positioned it is against times of financial distress, in particular, its ability to manage its cash and debt levels. Calvin B. Taylor Bankshares has not provided adequate balance sheet data, its financial health cannot be properly assessed as it.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have financial information.


Next Steps

  • Take a look at our analysis of TYCB’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • Investors tend to look at the financial health of a company this size in order to assess the sustainability of its current operations. While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website.
  • Financial health is measured at one point in time, so the latest financial report is the best representation of the company’s current financial status. Check when Calvin B. Taylor Bankshares's financial data was last updated here.
  • Explore more healthy companies in the Banks industry.

Dividend

What is Calvin B. Taylor Bankshares's current dividend yield, its reliability and sustainability?

2.88%

Current Dividend Yield


Dividend Yield vs Market

company2.9%marketbottom25%1.4%markettop25%3.7%industryaverage2.9%forecastin3Yearsn/a

Current dividend yield vs market & industry


Stability and Growth of Payments

Notable Dividend: TYCB's dividend (2.88%) is higher than the bottom 25% of dividend payers in the US market (1.45%).

High Dividend: TYCB's dividend (2.88%) is low compared to the top 25% of dividend payers in the US market (3.68%).

Stable Dividend: TYCB's dividends per share have been stable in the past 10 years.

Growing Dividend: TYCB's dividend payments have increased over the past 10 years.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.


Next Steps

Management

What is the CEO of Calvin B. Taylor Bankshares's salary, the management and board of directors tenure and is there insider trading?

13.4yrs

Average board tenure


CEO

Ray Thompson (57yo)

13.8yrs

Tenure

US$282,064

Compensation

Mr. Raymond M. Thompson, also known as Ray, has been the Chief Executive Officer and President at Calvin B. Taylor Bankshares, Inc. and its subsidiary, Calvin B. Taylor Banking Company since January 1, 200 ...


CEO Compensation Analysis

Compensation vs. Market: Insufficient data to establish whether Ray's total compensation is reasonable compared to companies of similar size in the US market.

Compensation vs Earnings: Insufficient data to compare Ray's compensation with company performance.


Board Age and Tenure

13.4yrs

Average Tenure

59yo

Average Age

Experienced Board: TYCB's board of directors are seasoned and experienced ( 13.4 years average tenure).


Insider Trading

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Management Team

  • Ray Thompson (57yo)

    President

    • Tenure: 13.8yrs
    • Compensation: US$282.06k
  • D. Bates (66yo)

    SVP of Lending & Business Dev & Senior Loan & Business Dev Officer - Calvin B Taylor Banking Co.

    • Tenure: 0yrs
  • Michael Lewis (38yo)

    Treasurer & Director

    • Tenure: 5.4yrs
  • Tina Kolarik (59yo)

    Company Secretary

    • Tenure: 0yrs

Board Members

  • Jay Bergey (64yo)

    Independent Director

    • Tenure: 24yrs
    • Compensation: US$14.45k
  • Reese Cropper (77yo)

    Chairman Emeritus

    • Tenure: 0yrs
    • Compensation: US$175.53k
  • Reese Cropper (58yo)

    Director

    • Tenure: 19.4yrs
    • Compensation: US$15.30k
  • G. Harrison (71yo)

    Director

    • Tenure: 4.4yrs
    • Compensation: US$17.00k
  • Ray Thompson (57yo)

    President

    • Tenure: 13.8yrs
    • Compensation: US$282.06k
  • Charlotte Cathell (68yo)

    Independent Director

    • Tenure: 13.4yrs
    • Compensation: US$14.45k
  • Todd Burbage (46yo)

    Independent Director

    • Tenure: 13.4yrs
    • Compensation: US$14.45k
  • Lou Taylor (58yo)

    Independent Director

    • Tenure: 8.4yrs
    • Compensation: US$16.15k
  • Michael Lewis (38yo)

    Treasurer & Director

    • Tenure: 5.4yrs
  • Thomas Coates (60yo)

    Director

    • Tenure: 5.4yrs

Company Information

Calvin B. Taylor Bankshares, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Calvin B. Taylor Bankshares, Inc.
  • Ticker: TYCB
  • Exchange: OTCPK
  • Founded: 1890
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$97.790m
  • Shares outstanding: 2.81m
  • Website: https://www.taylorbank.com

Number of Employees


Location

  • Calvin B. Taylor Bankshares, Inc.
  • 24 North Main Street
  • Berlin
  • Maryland
  • 21811
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
TYCBOTCPK (Pink Sheets LLC)YesCommon StockUSUSDJun 1998

Biography

Calvin B. Taylor Bankshares, Inc. operates as the holding company for Calvin B. Taylor Banking Company that provides commercial banking products and services for individuals, small-to medium-sized business ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/10/22 23:43
End of Day Share Price2019/10/22 00:00
Earnings2016/06/30
Annual Earnings2015/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.