TYCB (Calvin B. Taylor Bankshares) Cyclically Adjusted Book per Share: $41.43 (As of Mar. 2026)


TYCB Calvin B. Taylor Bankshares Inc TYCB
70 GF Score
Price $55.00
GF Value $58.86
Valuation Fairly Valued
! 1 Warning Sign
View Full Analysis

What is Calvin B. Taylor Bankshares Cyclically Adjusted Book per Share?

Calvin B. Taylor Bankshares TYCB -7.42% 70 Cyclically Adjusted Book per Share is $41.43 as of Mar. 2026. GuruFocus rates TYCB with a GF Score™ of 70/100 and a GF Value™ of $58.86 (Fairly Valued). The stock has 1 warning sign investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Calvin B. Taylor Bankshares's adjusted book value per share for the three months ended in Mar. 2026 was $48.932. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is $41.43 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Calvin B. Taylor Bankshares's average Cyclically Adjusted Book Growth Rate was 5.70% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 4.20% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 5.30% per year. During the past 10 years, the average Cyclically Adjusted Book Growth Rate was 4.40% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of Calvin B. Taylor Bankshares was 6.40% per year. The lowest was 1.60% per year. And the median was 3.00% per year.

As of today (2026-06-30), Calvin B. Taylor Bankshares's current stock price is $55.00. Calvin B. Taylor Bankshares's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was $41.43. Calvin B. Taylor Bankshares's Cyclically Adjusted PB Ratio of today is 1.33.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Calvin B. Taylor Bankshares was 1.56. The lowest was 0.96. And the median was 1.16.


Calvin B. Taylor Bankshares  (OTCPK:TYCB) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Calvin B. Taylor Bankshares's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=55.00/41.43
=1.33

* 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.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Calvin B. Taylor Bankshares was 1.56. The lowest was 0.96. And the median was 1.16.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Calvin B. Taylor Bankshares Cyclically Adjusted Book per Share Related Terms


Calvin B. Taylor Bankshares Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Calvin B. Taylor Bankshares's Cyclically Adjusted Book per Share 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.

Calvin B. Taylor Bankshares Cyclically Adjusted Book per Share Chart

Calvin B. Taylor Bankshares Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 33.47 35.70 37.09 38.53 40.41

Calvin B. Taylor Bankshares Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 39.21 39.75 40.24 40.41 41.43

TYCB vs RMBI, SBFG, MSWV: Cyclically Adjusted Book per Share Comparison

For the Banks - Regional subindustry, Calvin B. Taylor Bankshares's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Calvin B. Taylor Bankshares Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Calvin B. Taylor Bankshares's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Calvin B. Taylor Bankshares's Cyclically Adjusted PB Ratio falls into.


TYCB
70GF Score
Calvin B. Taylor Bankshares Inc TYCB
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Calvin B. Taylor Bankshares Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Calvin B. Taylor Bankshares's adjusted Book Value per Share data for the three months ended in Mar. 2026 was:

Adj_Book= Book Value per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=48.932/330.2130*330.2130
=48.932

Current CPI (Mar. 2026) = 330.2130.

Calvin B. Taylor Bankshares Quarterly Data

Book Value per Share CPI Adj_Book
201606 28.429 241.018 38.950
201609 28.836 241.428 39.440
201612 28.231 241.432 38.612
201703 28.713 243.801 38.890
201706 29.236 244.955 39.412
201709 29.726 246.819 39.770
201712 29.113 246.524 38.996
201803 29.553 249.554 39.105
201806 29.919 251.989 39.207
201809 30.638 252.439 40.077
201812 30.401 251.233 39.958
201903 30.929 254.202 40.177
201906 31.549 256.143 40.672
201909 32.132 256.759 41.324
201912 32.430 256.974 41.673
202003 33.030 258.115 42.256
202006 33.597 257.797 43.035
202009 33.998 260.280 43.133
202012 34.181 260.474 43.333
202103 34.524 264.877 43.040
202106 35.025 271.696 42.569
202109 35.767 274.310 43.056
202112 35.889 278.802 42.507
202203 34.239 287.504 39.325
202206 34.073 296.311 37.971
202209 32.921 296.808 36.626
202212 34.152 296.797 37.997
202303 35.553 301.836 38.896
202306 35.978 305.109 38.938
202309 35.986 307.789 38.608
202312 38.336 306.746 41.269
202403 38.889 312.332 41.115
202406 39.812 314.175 41.844
202409 42.148 315.301 44.141
202412 42.007 315.605 43.951
202503 43.943 319.799 45.374
202506 45.165 322.561 46.236
202509 47.097 324.800 47.882
202512 48.170 324.054 49.086
202603 48.932 330.213 48.932

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of $41.43 mean?
Calvin B. Taylor Bankshares (TYCB) has a Cyclically Adjusted Book per Share of $41.43 as of Mar. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Calvin B. Taylor Bankshares and its competitors.
Is Calvin B. Taylor Bankshares' Cyclically Adjusted Book per Share too high?
Calvin B. Taylor Bankshares' current Cyclically Adjusted Book per Share is $41.43. Overall, Calvin B. Taylor Bankshares has a GF Score™ of 70/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Calvin B. Taylor Bankshares' Cyclically Adjusted Book per Share compare to RMBI and SBFG?
Calvin B. Taylor Bankshares' Cyclically Adjusted Book per Share of $41.43 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 Cyclically Adjusted Book per Share for a Banks company?
A good Cyclically Adjusted Book per Share depends on the Banks industry context. However, Cyclically Adjusted Book per Share 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 Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Calvin B. Taylor Bankshares and its competitors. Calvin B. Taylor Bankshares's current Cyclically Adjusted Book per Share is $41.43. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Calvin B. Taylor Bankshares stock overvalued right now?
Based on GuruFocus' analysis, Calvin B. Taylor Bankshares (TYCB) is currently considered Fairly Valued. The stock's GF Value™ is $58.86, compared to a current price of $55.00 — trading 6.6% below its estimated fair value. The current Cyclically Adjusted Book per Share is $41.43. Calvin B. Taylor Bankshares' overall GF Score™ is 70/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Calvin B. Taylor Bankshares (TYCB), the current Cyclically Adjusted Book per Share is $41.43 as of Mar. 2026. 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 Calvin B. Taylor Bankshares (TYCB) Overvalued in 2026?

Based on GuruFocus' analysis, Calvin B. Taylor Bankshares stock appears to be undervalued. The current stock price of $55.00 is trading 6.6% below its estimated GF Value™ of $58.86. GuruFocus considers Calvin B. Taylor Bankshares to be Fairly Valued.

Key valuation signals for TYCB:

  • Cyclically Adjusted Book per Share: $41.43
  • GF Value™: $58.86 vs. price of $55.00 (6.6% below fair value)
  • GF Score™: 70/100 with 1 warning sign

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


Calvin B. Taylor Bankshares Business Description

Address 24 North Main Street, Berlin, MD, USA, 21811
Calvin B. Taylor Bankshares Inc operates as a holding company for Calvin B. Taylor Banking Company. It offers a wide range of loan, deposit, and ancillary banking services through both physical and digital delivery channels to corporate and individual clients. The company's banking operations are within the eastern coastal area of the Delmarva Peninsula, including Worcester County, Maryland, Sussex County, Delaware, and Accomack County, Virginia. The Bank also operates a Loan Production Office in Onley, Virginia.
70GF Score

Get the complete analysis for TYCB

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$55.00
Price
$58.86
GF Value