BYLB (Boyle Bancorp) Change In Working Capital: $-0.75 Mil (TTM As of Dec. 2025)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

BYLB Boyle Bancorp Inc BYLB
55 GF Score
Price $130.00
GF Value $107.20
Valuation Modestly Overvalued
! 4 Warning Signs
View Full Analysis

What is Boyle Bancorp Change In Working Capital?

Boyle Bancorp BYLB +0.78% 55 Change In Working Capital is $-0.75 Mil as of Dec. 2025. GuruFocus rates BYLB with a GF Score™ of 55/100 and a GF Value™ of $107.20 (Modestly Overvalued). The stock has 4 warning signs investors should review.

Boyle Bancorp's change in working capital for the quarter that ended in Dec. 2025 was $-0.75 Mil.

Boyle Bancorp's change in working capital for the fiscal year that ended in Dec. 2025 was $-0.75 Mil.

It is calculated by adding the items under "Change in operating assets and liabilities" (may refer to a different name for different company) section in Cash Flow Statement. Not by calculating the number changes in each periods' working capital (Total Current Assets minus Total Current Liabilities).


Boyle Bancorp Change In Working Capital Related Terms


Boyle Bancorp Change In Working Capital Historical Data

* Premium members only.

The historical data trend for Boyle Bancorp's Change In Working Capital can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Boyle Bancorp Change In Working Capital Chart

Boyle Bancorp Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Change In Working Capital
Get a 7-Day Free Trial -1.82 -0.84 -1.37 -1.97 -0.75

Boyle Bancorp Semi-Annual Data
Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Change In Working Capital Get a 7-Day Free Trial -1.82 -0.84 -1.37 -1.97 -0.75
BYLB
55GF Score
Boyle Bancorp Inc BYLB
Change In Working Capital is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Boyle Bancorp Change In Working Capital Calculation

For stock reported annually, GuruFocus uses latest annual data as the TTM data. Change In Working Capital for the trailing twelve months (TTM) ended in Dec. 2025 was $-0.75 Mil.

Working Capital is a measure of a company's short term liquidity or its ability to cover short term liabilities. It is defined as the difference between a company's current assets and current liabilities.

Changes in Working Capital is reported in the cash flow statement since it is one of the major ways in which net income can differ from operating cash flow. It is calculated by adding the items under "Change in operating assets and liabilities" (may refer to a different name for different company) section in Cash Flow Statement.

Use Wal-Mart Stores Inc (Jan 2014, Annual Data) as an example: Source: Wal-Mart Stores Inc 2014-01-31 10-K from SEC

Consolidated Statements of Cash Flows Fiscal Years EndedJanuary 31,(Amounts in millions)
Cash flows from operating activities: 2014 2013 2012
Changes in certain assets and liabilities, net of effects of acquisitions:
Receivables, net (566) (614) (796)
Inventories (1,667) (2,759) (3,727)
Accounts payable 531 1,061 2,687
Accrued liabilities 103 271 (935)
Accrued income taxes (1,224) 981 994

For 2014-01-31, add all the items under 2014 collum together, Change in Working Capital was (566) + (1,667) + 531 + 103 + (1,224) = $ (2,823) Mil.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

What does a Change In Working Capital of $-0.75 Mil mean?
Boyle Bancorp (BYLB) has a Change In Working Capital of $-0.75 Mil as of Dec. 2025. Change in Working Capital is the difference between current assets less current liabilities between the current period and the past period. View historical data for Boyle Bancorp.
Is Boyle Bancorp's Change In Working Capital too high?
Boyle Bancorp's current Change In Working Capital is $-0.75 Mil. Overall, Boyle Bancorp has a GF Score™ of 55/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Boyle Bancorp's Change In Working Capital compare to NWPP and BNCC?
Boyle Bancorp's Change In Working Capital of $-0.75 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Change In Working Capital for a Banks company?
A good Change In Working Capital depends on the Banks industry context. However, Change In Working Capital should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Change In Working Capital mean?
A high Change In Working Capital can signal that a stock is expensive relative to its fundamentals. Change in Working Capital is the difference between current assets less current liabilities between the current period and the past period. View historical data for Boyle Bancorp. Boyle Bancorp's current Change In Working Capital is $-0.75 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Boyle Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Boyle Bancorp (BYLB) is currently considered Modestly Overvalued. The stock's GF Value™ is $107.20, compared to a current price of $130.00 — trading 21.3% above its estimated fair value. The current Change In Working Capital is $-0.75 Mil. Boyle Bancorp's overall GF Score™ is 55/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Change In Working Capital calculated?
Change In Working Capital is calculated from a company's financial statements. For Boyle Bancorp (BYLB), the current Change In Working Capital is $-0.75 Mil as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Boyle Bancorp (BYLB) Overvalued in 2026?

Based on GuruFocus' analysis, Boyle Bancorp stock appears to be overvalued. The current stock price of $130.00 is trading 21.3% above its estimated GF Value™ of $107.20. GuruFocus considers Boyle Bancorp to be Modestly Overvalued.

Key valuation signals for BYLB:

  • Change In Working Capital: $-0.75 Mil
  • GF Value™: $107.20 vs. price of $130.00 (21.3% above fair value)
  • GF Score™: 55/100 with 4 warning signs

No single metric tells the full story. See the BYLB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Boyle Bancorp Business Description

Address 304 West Main Street, Danville, KY, USA, 40422
Boyle Bancorp Inc operates as a bank holding company whose principal activity is the ownership and management of its wholly owned subsidiary, Farmers National Bank, Danville (Bank) and wholly owned subsidiary BYLB Investments. The Bank provides a full range of banking and financial services to individual and corporate customers in central Kentucky. The Company grants agribusiness, commercial and residential loans to customers throughout Kentucky.
55GF Score

Get the complete analysis for BYLB

Change In Working Capital is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$130.00
Price
$107.20
GF Value