TYCB (Calvin B. Taylor Bankshares) Scaled Net Operating Assets: -0.06 (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 Scaled Net Operating Assets?

Calvin B. Taylor Bankshares TYCB -7.42% 70 Scaled Net Operating Assets is -0.06 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Calvin B. Taylor Bankshares's operating assets for the quarter that ended in Mar. 2026 was $810.15 Mil. Calvin B. Taylor Bankshares's operating liabilities for the quarter that ended in Mar. 2026 was $865.45 Mil. Calvin B. Taylor Bankshares's Total Assets for the quarter that ended in Dec. 2025 was $987.28 Mil. Therefore, Calvin B. Taylor Bankshares's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.06.

TYCB
70GF Score
Calvin B. Taylor Bankshares Inc TYCB
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Calvin B. Taylor Bankshares Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Calvin B. Taylor Bankshares's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(981.536-858.998)/936.932
=0.13

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=987.276 - 5.74
=981.536

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=858.998 - 0 - 0
=858.998

Calvin B. Taylor Bankshares's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(810.154-865.453)/987.276
=-0.06

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=994.487 - 184.333
=810.154

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=865.453 - 0 - 0
=865.453

* 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 Scaled Net Operating Assets of -0.06 mean?
Calvin B. Taylor Bankshares (TYCB) has a Scaled Net Operating Assets of -0.06 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Calvin B. Taylor Bankshares and its competitors.
Is Calvin B. Taylor Bankshares' Scaled Net Operating Assets too high?
Calvin B. Taylor Bankshares' current Scaled Net Operating Assets is -0.06. 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' Scaled Net Operating Assets compare to RMBI and SBFG?
Calvin B. Taylor Bankshares' Scaled Net Operating Assets of -0.06 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Calvin B. Taylor Bankshares and its competitors. Calvin B. Taylor Bankshares's current Scaled Net Operating Assets is -0.06. 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 Scaled Net Operating Assets is -0.06. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Calvin B. Taylor Bankshares (TYCB), the current Scaled Net Operating Assets is -0.06 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:

  • Scaled Net Operating Assets: -0.06
  • 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

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$55.00
Price
$58.86
GF Value