Calvin B. Taylor Bankshares, Inc. (TYCB)
For informational purposes only. Not financial advice. Analysis by Sedat Aydin, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Calvin B. Taylor Bankshares, Inc. (TYCB) with AI Score 63/100 (Hold). Calvin B. Taylor Bankshares, Inc. is a community bank holding company operating primarily on the Delmarva Peninsula. Market cap: 0, Sector: Financial services.
Last analyzed: Mar 16, 2026Calvin B. Taylor Bankshares, Inc. (TYCB) Financial Services Profile
Calvin B. Taylor Bankshares, Inc., established in 1890, operates as a community-focused bank on the Delmarva Peninsula, offering commercial and consumer banking services. With a $0.15 billion market cap and a P/E ratio of 9.83, the company distinguishes itself through its regional presence and commitment to traditional banking values, serving local businesses and individuals.
Investment Thesis
Calvin B. Taylor Bankshares, Inc. presents a stable investment opportunity within the regional banking sector. The company's consistent profitability, reflected in a 26.2% profit margin, and a dividend yield of 2.67% offer potential for income generation. The bank's low beta of 0.02 suggests lower volatility compared to the broader market. Growth catalysts include expansion within the Delmarva Peninsula and increased adoption of online and mobile banking services. Potential risks include interest rate sensitivity and competition from larger regional and national banks. The company's ability to maintain its net interest margin and manage credit risk will be critical to its long-term performance.
Based on FMP financials and quantitative analysis
Key Highlights
- Market capitalization of $0.15 billion, reflecting its position as a community bank.
- P/E ratio of 9.83, indicating a potentially undervalued stock compared to its earnings.
- Profit margin of 26.2%, showcasing efficient operations and profitability.
- Gross margin of 63.3%, demonstrating strong core banking performance.
- Dividend yield of 2.67%, providing a steady income stream for investors.
Competitors & Peers
Strengths
- Long-standing presence in the Delmarva Peninsula.
- Strong relationships with local customers and businesses.
- Consistent profitability.
- Low beta, indicating lower volatility.
Weaknesses
- Limited geographic reach.
- Reliance on traditional banking services.
- Smaller size compared to larger regional and national banks.
- AI analysis pending.
Catalysts
- Upcoming: Potential expansion within the Delmarva Peninsula, increasing market share and revenue.
- Ongoing: Increased adoption of online and mobile banking services, enhancing customer engagement and reducing operational costs.
- Ongoing: Focus on commercial lending to local businesses, driving revenue growth and profitability.
Risks
- Potential: Interest rate fluctuations impacting net interest margin and profitability.
- Potential: Competition from larger regional and national banks.
- Potential: Economic downturn in the Delmarva Peninsula affecting loan performance.
- Ongoing: Limited geographic reach restricts growth opportunities.
- Ongoing: Reliance on traditional banking services may hinder innovation.
Growth Opportunities
- Expansion within the Delmarva Peninsula: Calvin B. Taylor Bankshares can expand its presence by opening new branches or acquiring smaller banks within the Delmarva Peninsula. The Delmarva Peninsula offers a stable and growing market with a need for community banking services. This expansion can increase the bank's deposit base and loan portfolio, driving revenue growth. The timeline for this expansion is ongoing, with potential for new locations within the next 3-5 years.
- Increased adoption of online and mobile banking services: Calvin B. Taylor Bankshares can invest in enhancing its online and mobile banking platforms to attract and retain customers. The increasing adoption of digital banking provides an opportunity to expand the bank's reach beyond its physical locations. This can lead to increased customer engagement and reduced operational costs. The timeline for this initiative is ongoing, with continuous improvements to the digital platforms expected.
- Focus on commercial lending: Calvin B. Taylor Bankshares can focus on expanding its commercial lending portfolio to businesses in the Delmarva Peninsula. The local business community offers a strong market for commercial loans, including secured and unsecured loans for retailers, wholesalers, service businesses, and manufacturers. This can drive revenue growth and increase the bank's profitability. The timeline for this initiative is ongoing, with targeted marketing and outreach to local businesses.
- Development of wealth management services: Calvin B. Taylor Bankshares can develop wealth management services to cater to the needs of its affluent customers. This can include investment management, financial planning, and trust services. Offering wealth management services can generate additional revenue streams and enhance customer loyalty. The timeline for this initiative is 2-3 years, with the development of a wealth management division.
- Strategic partnerships with local businesses: Calvin B. Taylor Bankshares can form strategic partnerships with local businesses to offer banking services to their employees and customers. This can include offering preferred rates on loans and deposits, as well as providing financial literacy programs. These partnerships can increase the bank's customer base and enhance its brand reputation. The timeline for this initiative is ongoing, with continuous outreach to local businesses.
Opportunities
- Expansion within the Delmarva Peninsula.
- Increased adoption of online and mobile banking services.
- Focus on commercial lending.
- Development of wealth management services.
Threats
- Competition from larger regional and national banks.
- Interest rate fluctuations.
- Regulatory changes.
- Economic downturn in the Delmarva Peninsula.
Competitive Advantages
- Long-standing presence in the Delmarva Peninsula.
- Strong relationships with local customers and businesses.
- Community-focused approach to banking.
About TYCB
Calvin B. Taylor Bankshares, Inc., founded in 1890, serves as the holding company for Calvin B. Taylor Banking Company. The bank provides a range of commercial banking products and services, including checking, money market, savings, and individual retirement accounts, as well as certificates of deposit. It offers consumer loans for personal, family, or household purchases, such as automobiles, trucks, mobile homes, and personal expenses. The bank also provides mortgage loans for primary and secondary homes, and commercial loans for retailers, wholesalers, service businesses, and manufacturers. With 12 banking locations across the eastern coastal area of the Delmarva Peninsula, including Worcester County, Maryland; Sussex County, Delaware; and Accomack County, Virginia, Calvin B. Taylor Bankshares focuses on serving its local communities. The company provides debit cards, ATM services, and online, mobile, and phone banking services. Calvin B. Taylor Bankshares has maintained its headquarters in Berlin, Maryland, since its founding, emphasizing its commitment to the region. The company's long history and community focus differentiate it from larger national banks.
What They Do
- Provides checking, money market, savings, and individual retirement accounts.
- Offers certificates of deposit.
- Provides consumer loans for personal, family, or household purchases.
- Offers mortgage loans for primary and secondary homes.
- Provides commercial loans for retailers, wholesalers, service businesses, and manufacturers.
- Offers debit cards, ATM services, and online, mobile, and phone banking services.
Business Model
- Generates revenue through interest income from loans.
- Generates revenue through fees from banking services.
- Manages deposits and provides banking services to individuals and businesses.
Industry Context
Calvin B. Taylor Bankshares operates in the regional banking sector, which is characterized by intense competition and evolving customer preferences. The industry is undergoing digital transformation, with increased adoption of online and mobile banking services. Regional banks face competition from larger national banks and fintech companies. The regulatory environment and interest rate fluctuations also significantly impact the banking sector. Calvin B. Taylor Bankshares differentiates itself through its long-standing presence and focus on the Delmarva Peninsula.
Key Customers
- Individuals seeking personal banking services.
- Businesses seeking commercial banking services.
- Residents of the Delmarva Peninsula.
Financials
Chart & Info
Calvin B. Taylor Bankshares, Inc. (TYCB) stock price: Price data unavailable
Latest News
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Calvin B. Taylor Bankshares, Inc. Reports Fourth Quarter and Year End Financial Results for 2025
accessnewswire.com · Mar 4, 2026
Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for TYCB.
Price Targets
Wall Street price target analysis for TYCB.
MoonshotScore
What does this score mean?
The MoonshotScore rates TYCB's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Michael Dean Lewis
Unknown
Michael Dean Lewis manages 116 employees at Calvin B. Taylor Bankshares, Inc. Additional background information regarding his career history, education, and previous roles is not available in the provided data. His leadership is crucial for guiding the company's strategic direction and maintaining its community-focused approach to banking.
Track Record: Information regarding Michael Dean Lewis's specific achievements, strategic decisions, and company milestones under his leadership is not available in the provided data. Assessing his track record would require access to company performance metrics and strategic initiatives implemented during his tenure.
TYCB OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Calvin B. Taylor Bankshares, Inc. may not meet the minimum financial standards or disclosure requirements for higher tiers like OTCQX or OTCQB. Companies in this tier often have limited trading volume and may not be subject to the same level of regulatory oversight as companies listed on major exchanges like the NYSE or NASDAQ. Investing in OTC Other stocks carries higher risks due to the potential for limited information and liquidity.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited financial disclosure increases information asymmetry.
- Low trading volume and wide bid-ask spreads can lead to price volatility.
- Potential for fraud or manipulation is higher in the OTC market.
- OTC Other companies may have difficulty raising capital.
- Regulatory oversight is less stringent compared to major exchanges.
- Verify the company's financial statements and SEC filings (if any).
- Research the background and experience of the company's management team.
- Assess the company's business model and competitive landscape.
- Evaluate the company's capital structure and debt levels.
- Understand the risks associated with investing in OTC stocks.
- Consult with a financial advisor before investing.
- Check for any regulatory actions or legal issues involving the company.
- Long-standing history dating back to 1890.
- Physical presence with 12 banking locations.
- Focus on serving local communities in the Delmarva Peninsula.
- Positive profit margin of 26.2%.
- Dividend yield of 2.67%.
TYCB Financial Services Stock FAQ
What does Calvin B. Taylor Bankshares, Inc. do?
Calvin B. Taylor Bankshares, Inc. operates as the holding company for Calvin B. Taylor Banking Company, a community bank providing commercial banking products and services to individuals and businesses. The bank accepts deposits, offers consumer and commercial loans, and provides online, mobile, and phone banking services. With 12 banking locations in the Delmarva Peninsula, the company focuses on serving its local communities with a range of traditional banking solutions.
What do analysts say about TYCB stock?
AI analysis is currently pending for TYCB stock. Key valuation metrics include a market capitalization of $0.15 billion and a P/E ratio of 9.83. The company's profit margin is 26.2%, and its dividend yield is 2.67%. Investors may want to evaluate the company's growth opportunities within the Delmarva Peninsula and its potential risks, including competition and interest rate sensitivity. Further analyst reports are needed for a comprehensive assessment.
What are the main risks for TYCB?
The main risks for Calvin B. Taylor Bankshares, Inc. include interest rate fluctuations, which can impact the bank's net interest margin and profitability. Competition from larger regional and national banks poses a threat to market share. An economic downturn in the Delmarva Peninsula could affect loan performance and asset quality. Additionally, the company's limited geographic reach and reliance on traditional banking services may hinder growth and innovation.
What are the key factors to evaluate for TYCB?
Calvin B. Taylor Bankshares, Inc. (TYCB) currently holds an AI score of 63/100, indicating moderate score. Key strength: Long-standing presence in the Delmarva Peninsula.. Primary risk to monitor: Potential: Interest rate fluctuations impacting net interest margin and profitability.. This is not financial advice.
How frequently does TYCB data refresh on this page?
TYCB prices update in real time during U.S. market hours (9:30 AM-4:00 PM ET, weekdays). Fundamentals refresh after quarterly or annual filings. Analyst ratings and AI insights update daily. News is aggregated continuously from financial sources.
What has driven TYCB's recent stock price performance?
Recent price movement in Calvin B. Taylor Bankshares, Inc. (TYCB) can be influenced by earnings results, analyst revisions, sector rotation, and broader market sentiment. Notable catalyst: Long-standing presence in the Delmarva Peninsula.. Check the News and Technical Analysis tabs for the latest drivers. Past performance does not predict future results.
Should investors consider TYCB overvalued or undervalued right now?
Determining whether Calvin B. Taylor Bankshares, Inc. (TYCB) is overvalued or undervalued requires examining multiple metrics. Compare valuation ratios (P/E, P/S, EV/EBITDA) against sector peers for a comprehensive view.
What research should beginners do before buying TYCB?
Before investing in Calvin B. Taylor Bankshares, Inc. (TYCB), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data and may be limited.
- AI analysis is pending for a more comprehensive assessment.