Calvin B. Taylor BanksharesTYCB +3.64%70 Return-on-Tangible-Asset is 1.55% as of Mar. 2026, which is 14% above its 10-year median of 1.36. GuruFocus rates TYCB with a GF Score™ of 70/100 and a GF Value™ of $58.96 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,530 Banks companies, Calvin B. Taylor Bankshares ranks better than 79.08% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Calvin B. Taylor Bankshares's annualizedNet Income for the quarter that ended in Mar. 2026 was $15.35 Mil. Calvin B. Taylor Bankshares's average total tangible assets for the quarter that ended in Mar. 2026 was $990.74 Mil. Therefore, Calvin B. Taylor Bankshares's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 1.55%.
The historical rank and industry rank for Calvin B. Taylor Bankshares's Return-on-Tangible-Asset or its related term are showing as below:
TYCB'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 1.03 Med: 1.36 Max: 1.6
Current: 1.58
During the past 13 years, Calvin B. Taylor Bankshares's highest Return-on-Tangible-Asset was 1.60%. The lowest was 1.03%. And the median was 1.36%.
TYCB's Return-on-Tangible-Asset is ranked better than 79.08% of 1530
companies
in the Banks industry
Industry Median: 0.99
vs TYCB: 1.58
Calvin B. Taylor Bankshares (OTCPK:TYCB) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Calvin B. Taylor Bankshares Return-on-Tangible-Asset Related Terms
Calvin B. Taylor Bankshares Return-on-Tangible-Asset Historical Data
* 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 Return-on-Tangible-Asset Chart
TYCB vs RMBI, SBFG, MSWV: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Calvin B. Taylor Bankshares's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Calvin B. Taylor Bankshares's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Calvin B. Taylor Bankshares's Return-on-Tangible-Asset falls into.
* 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 1.55% mean?
Calvin B. Taylor Bankshares (TYCB) has a Return-on-Tangible-Asset of 1.55% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Calvin B. Taylor Bankshares and its competitors. This is 14% above median its historical median of 1.36. Over the past decade, Calvin B. Taylor Bankshares' Return-on-Tangible-Asset has ranged from 1.03 to 1.60. According to the industry distribution chart, Calvin B. Taylor Bankshares ranks #320 out of 1530 companies in the Banks industry, placing it in the top 20.9%.
Is Calvin B. Taylor Bankshares' Return-on-Tangible-Asset too high?
Calvin B. Taylor Bankshares' current Return-on-Tangible-Asset of 1.55% is 14% above median its 10-year median of 1.36. Over the past 10 years, this metric has ranged from a low of 1.03 to a high of 1.60. The Banks industry median Return-on-Tangible-Asset is 0.99. Calvin B. Taylor Bankshares' value of 1.55% is 56.6% above this industry median. Based on the distribution chart, Calvin B. Taylor Bankshares ranks #320 out of 1530 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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' Return-on-Tangible-Asset compare to RMBI and SBFG?
According to the Banks industry distribution chart, Calvin B. Taylor Bankshares ranks #320 out of 1530 companies for Return-on-Tangible-Asset. This places Calvin B. Taylor Bankshares in the top 21% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 0.99. Calvin B. Taylor Bankshares' value of 1.55% is 56.6% above this benchmark. Historically, Calvin B. Taylor Bankshares' own Return-on-Tangible-Asset has ranged from 1.03 to 1.60 over the past decade. While the company's 10-year median is 1.36 vs. the industry median of 0.99, Calvin B. Taylor Bankshares has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 0.99, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Calvin B. Taylor Bankshares's current Return-on-Tangible-Asset of 1.55% is 56.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Calvin B. Taylor Bankshares and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 0.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Calvin B. Taylor Bankshares's current Return-on-Tangible-Asset is 1.55%, which is 14% above median its own 10-year median of 1.36. 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 $58.96, compared to a current price of $57.00 — trading 3.3% below its estimated fair value. The current Return-on-Tangible-Asset is 1.55%, which is 14% above median its 10-year median of 1.36 and 56.6% above the Banks industry median of 0.99. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Calvin B. Taylor Bankshares (TYCB), the current Return-on-Tangible-Asset is 1.55% 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 $57.00 is trading 3.3% below its estimated GF Value™ of $58.96.
GuruFocus considers Calvin B. Taylor Bankshares to be Fairly Valued.
Key valuation signals for TYCB:
Return-on-Tangible-Asset: 1.55% (14% above median its 10-year median of 1.36)
GF Value™: $58.96 vs. price of $57.00 (3.3% below fair value)
Industry Position: 56.6% above the Banks median (#320 of 1530)
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 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
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