TYCB (Calvin B. Taylor Bankshares) Cyclically Adjusted FCF per Share: $3.93 (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
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What is Calvin B. Taylor Bankshares Cyclically Adjusted FCF per Share?

Calvin B. Taylor Bankshares TYCB -7.42% 70 Cyclically Adjusted FCF per Share is $3.93 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 FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Calvin B. Taylor Bankshares's adjusted free cash flow per share for the three months ended in Mar. 2026 was $2.326. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is $3.93 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Calvin B. Taylor Bankshares's average Cyclically Adjusted FCF Growth Rate was 16.60% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 9.60% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 12.00% per year. During the past 10 years, the average Cyclically Adjusted FCF Growth Rate was 6.90% 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 FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Calvin B. Taylor Bankshares was 14.80% per year. The lowest was -2.90% per year. And the median was 2.80% 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 FCF per Share for the quarter that ended in Mar. 2026 was $3.93. Calvin B. Taylor Bankshares's Cyclically Adjusted Price-to-FCF of today is 13.99.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Calvin B. Taylor Bankshares was 21.14. The lowest was 12.90. And the median was 15.16.


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

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF 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 Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Calvin B. Taylor Bankshares's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=55.00/3.93
=13.99

* 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 Price-to-FCF of Calvin B. Taylor Bankshares was 21.14. The lowest was 12.90. And the median was 15.16.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


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


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

* Premium members only.

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

Calvin B. Taylor Bankshares Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.39 2.80 3.15 3.33 3.69

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 FCF 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 3.37 3.51 3.65 3.69 3.93

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

For the Banks - Regional subindustry, Calvin B. Taylor Bankshares's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF 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 Price-to-FCF vs Banks Industry

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

* The bar in red indicates where Calvin B. Taylor Bankshares's Cyclically Adjusted Price-to-FCF falls into.


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

Calvin B. Taylor Bankshares Cyclically Adjusted FCF 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 FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

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

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow 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 FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF 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 Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=2.326/330.2130*330.2130
=2.326

Current CPI (Mar. 2026) = 330.2130.

Calvin B. Taylor Bankshares Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 0.188 241.018 0.258
201609 0.516 241.428 0.706
201612 0.301 241.432 0.412
201703 0.561 243.801 0.760
201706 0.214 244.955 0.288
201709 0.584 246.819 0.781
201712 0.396 246.524 0.530
201803 0.732 249.554 0.969
201806 0.559 251.989 0.733
201809 0.831 252.439 1.087
201812 0.667 251.233 0.877
201903 0.738 254.202 0.959
201906 0.539 256.143 0.695
201909 0.762 256.759 0.980
201912 0.583 256.974 0.749
202003 0.543 258.115 0.695
202006 0.040 257.797 0.051
202009 0.350 260.280 0.444
202012 0.751 260.474 0.952
202103 1.447 264.877 1.804
202106 1.088 271.696 1.322
202109 1.065 274.310 1.282
202112 0.342 278.802 0.405
202203 0.896 287.504 1.029
202206 1.032 296.311 1.150
202209 1.279 296.808 1.423
202212 1.353 296.797 1.505
202303 1.678 301.836 1.836
202306 0.655 305.109 0.709
202309 1.355 307.789 1.454
202312 1.153 306.746 1.241
202403 1.237 312.332 1.308
202406 1.101 314.175 1.157
202409 1.186 315.301 1.242
202412 0.572 315.605 0.598
202503 0.883 319.799 0.912
202506 0.842 322.561 0.862
202509 1.748 324.800 1.777
202512 1.008 324.054 1.027
202603 2.326 330.213 2.326

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of $3.93 mean?
Calvin B. Taylor Bankshares (TYCB) has a Cyclically Adjusted FCF per Share of $3.93 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF 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 FCF per Share too high?
Calvin B. Taylor Bankshares' current Cyclically Adjusted FCF per Share is $3.93. 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 FCF per Share compare to RMBI and SBFG?
Calvin B. Taylor Bankshares' Cyclically Adjusted FCF per Share of $3.93 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 FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF 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 FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF 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 FCF per Share is $3.93. 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 FCF per Share is $3.93. 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 FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Calvin B. Taylor Bankshares (TYCB), the current Cyclically Adjusted FCF per Share is $3.93 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 FCF per Share: $3.93
  • 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 FCF 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