Calvin B. Taylor Bankshares, Inc. TYCB

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57.56 USD 0.00 0.00%

At close · Oct 30

59.50 Day range 62.00
50.01 52-week range 67.18
YTD
+5.61%
1 year
+4.01%
Open
59.50
Prev close
57.56
Mkt cap
151.91M
Vol
107
Avg vol
18
EPS
5.72
P/E
10.06
More statistics
Low
59.50
High
62.00

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Financial health

Altman Z-Score

-0.62 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 5
  • Return on Equity 3
  • Return on Assets 4
  • Debt / Equity 1
  • P/E 3
  • P/B 3

Valuation

P/E 9.6×
FY 2016: 16.3×FY 2017: 17.9×FY 2018: 12.7×FY 2019: 12.1×FY 2020: 13.5×FY 2021: 10.8×FY 2022: 9.9×FY 2023: 9.0×FY 2024: 10.1×FY 2025: 9.6×
FY 2016 5y median 9.9× FY 2025
P/S 2.9×
FY 2016: 4.8×FY 2017: 5.4×FY 2018: 4.6×FY 2019: 4.4×FY 2020: 4.3×FY 2021: 4.0×FY 2022: 3.8×FY 2023: 3.2×FY 2024: 4.0×FY 2025: 2.9×
FY 2016 5y median 3.8× FY 2025
P/B 1.2×
FY 2016: 1.0×FY 2017: 1.2×FY 2018: 1.1×FY 2019: 1.1×FY 2020: 1.0×FY 2021: 1.0×FY 2022: 1.2×FY 2023: 1.1×FY 2024: 1.1×FY 2025: 1.2×
FY 2016 5y median 1.1× FY 2025
P/FCF 12.1×
FY 2016: 18.7×FY 2017: 19.9×FY 2018: 12.1×FY 2019: 13.8×FY 2020: 21.0×FY 2021: 8.9×FY 2022: 9.2×FY 2023: 9.1×FY 2024: 11.7×FY 2025: 12.1×
FY 2016 5y median 9.2× FY 2025
EV/EBITDA 6.8×
FY 2016: 5.3×FY 2017: 6.1×FY 2018: 4.8×FY 2019: 5.5×FY 2020: 7.1×FY 2021: 6.6×FY 2022: 6.4×FY 2023: 6.2×FY 2024: 3.1×FY 2025: 6.8×
FY 2016 5y median 6.4× FY 2025
EV/Sales 2.8×
FY 2016: 2.6×FY 2017: 3.0×FY 2018: 2.4×FY 2019: 2.9×FY 2020: 3.3×FY 2021: 3.5×FY 2022: 3.5×FY 2023: 2.9×FY 2024: 1.6×FY 2025: 2.8×
FY 2016 5y median 2.9× FY 2025
FCF Yield 8.2%
FY 2016: 5.3%FY 2017: 5.0%FY 2018: 8.3%FY 2019: 7.3%FY 2020: 4.8%FY 2021: 11.3%FY 2022: 10.8%FY 2023: 11.0%FY 2024: 8.5%FY 2025: 8.2%
FY 2016 5y median 10.8% FY 2025

Profitability

Gross Margin 76.3%
FY 2016: 97.6%FY 2017: 97.9%FY 2018: 97.8%FY 2019: 95.8%FY 2020: 92.6%FY 2021: 96.5%FY 2022: 94.4%FY 2023: 84.0%FY 2024: 100.0%FY 2025: 76.3%
FY 2016 5y median 94.4% FY 2025
Operating Margin 38.7%
FY 2016: 45.6%FY 2017: 45.8%FY 2018: 46.9%FY 2019: 48.6%FY 2020: 42.7%FY 2021: 48.4%FY 2022: 51.0%FY 2023: 45.1%FY 2024: 56.0%FY 2025: 38.7%
FY 2016 5y median 48.4% FY 2025
Net Margin 30.1%
FY 2016: 29.3%FY 2017: 30.0%FY 2018: 35.9%FY 2019: 36.6%FY 2020: 32.2%FY 2021: 37.0%FY 2022: 38.8%FY 2023: 35.1%FY 2024: 39.8%FY 2025: 30.1%
FY 2016 5y median 37.0% FY 2025
ROE 12.0%
FY 2016: 6.1%FY 2017: 6.7%FY 2018: 8.7%FY 2019: 9.3%FY 2020: 7.7%FY 2021: 9.6%FY 2022: 12.5%FY 2023: 12.8%FY 2024: 11.4%FY 2025: 12.0%
FY 2016 5y median 12.0% FY 2025
ROIC 11.7%
FY 2016: 5.8%FY 2017: 6.7%FY 2018: 8.7%FY 2019: 4.8%FY 2020: 7.5%FY 2021: 3.2%FY 2022: 12.2%FY 2023: 2.4%FY 2024: 2.9%FY 2025: 11.7%
FY 2016 5y median 3.2% FY 2025
ROA 1.6%
FY 2016: 1.0%FY 2017: 1.1%FY 2018: 1.4%FY 2019: 1.5%FY 2020: 1.0%FY 2021: 1.0%FY 2022: 1.3%FY 2023: 1.6%FY 2024: 1.4%FY 2025: 1.6%
FY 2016 5y median 1.4% FY 2025

Growth (YoY)

Revenue 56.0%
FY 2016: 7.2%FY 2017: 9.1%FY 2018: 12.4%FY 2019: 10.4%FY 2020: -0.9%FY 2021: 13.5%FY 2022: 18.4%FY 2023: 26.6%FY 2024: -14.5%FY 2025: 56.0%
FY 2016 FY 2025
Operating Income 8.0%
FY 2016: 7.0%FY 2017: 9.4%FY 2018: 15.0%FY 2019: 14.6%FY 2020: -13.1%FY 2021: 28.8%FY 2022: 24.8%FY 2023: 12.0%FY 2024: 6.1%FY 2025: 8.0%
FY 2016 FY 2025
EPS (diluted) 18.7%
FY 2016: 6.9%FY 2017: 14.7%FY 2018: 35.4%FY 2019: 13.3%FY 2020: -12.4%FY 2021: 30.9%FY 2022: 24.2%FY 2023: 14.8%FY 2024: -2.5%FY 2025: 18.7%
FY 2016 FY 2025
Free Cash Flow 8.9%
FY 2016: 14.3%FY 2017: 16.7%FY 2018: 56.7%FY 2019: -6.6%FY 2020: -36.1%FY 2021: 146.4%FY 2022: 9.4%FY 2023: 6.0%FY 2024: -16.0%FY 2025: 8.9%
FY 2016 FY 2025

Financial Health

Current Ratio 0.1×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 2998×FY 2020: 0.2×FY 2021: 5523×FY 2022: 0.2×FY 2023: 0.5×FY 2024: 0.2×FY 2025: 0.1×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 0.1×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 5970×FY 2020: 0.2×FY 2021: 5523×FY 2022: 0.2×FY 2023: 0.5×FY 2024: 0.2×FY 2025: 0.1×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.0×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.0× FY 2025
Net Debt / EBITDA -0.3×
FY 2016: -4.4×FY 2017: -4.9×FY 2018: -4.3×FY 2019: -3.0×FY 2020: -2.2×FY 2021: -1.0×FY 2022: -0.6×FY 2023: -0.5×FY 2024: -4.8×FY 2025: -0.3×
FY 2016 5y median -0.6× FY 2025
Interest Coverage 1.8×
FY 2016: 21.5×FY 2017: 23.8×FY 2018: 23.5×FY 2019: 16.1×FY 2020: 13.5×FY 2021: 15.8×FY 2022: 9.7×FY 2023: 3.0×FY 2024: 1.8×FY 2025: 1.8×
FY 2016 5y median 3.0× FY 2025

Dividends

Dividend Yield 2.7%
FY 2016: 3.5%FY 2017: 2.8%FY 2018: 3.7%FY 2019: 2.1%FY 2020: 3.2%FY 2021: 3.1%FY 2022: 2.9%FY 2023: 3.0%FY 2024: 2.9%FY 2025: 2.7%
FY 2016 5y median 2.9% FY 2025
Payout Ratio 26.0%
FY 2016: 56.8%FY 2017: 50.1%FY 2018: 46.8%FY 2019: 25.1%FY 2020: 42.8%FY 2021: 33.9%FY 2022: 28.6%FY 2023: 27.4%FY 2024: 29.4%FY 2025: 26.0%
FY 2016 5y median 28.6% FY 2025

Annual · latest fiscal year ends 2025-12-31