Bay Banks Of Virginia (OTCMKTS: BAYK) is one of 257 publicly-traded companies in the “State commercial banks” industry, but how does it compare to its competitors? We will compare Bay Banks Of Virginia to similar businesses based on the strength of its dividends, profitability, analyst recommendations, risk, institutional ownership, valuation and earnings.
Risk & Volatility
Bay Banks Of Virginia has a beta of 0.26, suggesting that its share price is 74% less volatile than the S&P 500. Comparatively, Bay Banks Of Virginia’s competitors have a beta of 0.62, suggesting that their average share price is 38% less volatile than the S&P 500.
This is a breakdown of recent ratings and target prices for Bay Banks Of Virginia and its competitors, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Bay Banks Of Virginia||0||0||0||0||N/A|
|Bay Banks Of Virginia Competitors||956||4796||4072||206||2.35|
As a group, “State commercial banks” companies have a potential upside of 4.68%. Given Bay Banks Of Virginia’s competitors higher probable upside, analysts plainly believe Bay Banks Of Virginia has less favorable growth aspects than its competitors.
Bay Banks Of Virginia pays an annual dividend of $0.16 per share and has a dividend yield of 1.6%. Bay Banks Of Virginia pays out 100.0% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. As a group, “State commercial banks” companies pay a dividend yield of 1.8% and pay out 33.8% of their earnings in the form of a dividend. Bay Banks Of Virginia lags its competitors as a dividend stock, given its lower dividend yield and higher payout ratio.
Valuation & Earnings
This table compares Bay Banks Of Virginia and its competitors gross revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Net Income||Price/Earnings Ratio|
|Bay Banks Of Virginia||$37.38 million||-$1.27 million||62.38|
|Bay Banks Of Virginia Competitors||$1.46 billion||$241.27 million||19.61|
Bay Banks Of Virginia’s competitors have higher revenue and earnings than Bay Banks Of Virginia. Bay Banks Of Virginia is trading at a higher price-to-earnings ratio than its competitors, indicating that it is currently more expensive than other companies in its industry.
Insider and Institutional Ownership
9.6% of Bay Banks Of Virginia shares are held by institutional investors. Comparatively, 46.0% of shares of all “State commercial banks” companies are held by institutional investors. 7.9% of Bay Banks Of Virginia shares are held by insiders. Comparatively, 11.4% of shares of all “State commercial banks” companies are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.
This table compares Bay Banks Of Virginia and its competitors’ net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Bay Banks Of Virginia||0.82%||2.18%||0.25%|
|Bay Banks Of Virginia Competitors||18.44%||8.11%||0.78%|
Bay Banks Of Virginia competitors beat Bay Banks Of Virginia on 11 of the 12 factors compared.
Bay Banks Of Virginia Company Profile
Bay Banks of Virginia, Inc. operates as the bank holding company for Bank of Lancaster that provides various banking products and services to businesses, professionals, and consumers in Virginia. The company accepts checking accounts, savings accounts, money market accounts, cash management accounts, certificates of deposit, and individual retirement accounts. Its loan products include commercial and industrial loans, such as small business loans, asset based loans, and other secured and unsecured loans and lines of credit; residential and commercial mortgages; home equity loans; consumer installment loans; and consumer loans comprising automobile and boat financing, home improvement loans, and unsecured personal loans. It also offers credit cards; investment accounts; and insurance agency, online banking, telephone banking, mobile banking, analysis checking, cash management deposit, wire, direct deposit payroll, and remote deposit services, as well as a line of commercial lending options. In addition, the company offers management services, including estate planning and settlement, revocable and irrevocable living trusts, testamentary trusts, custodial accounts, investment management accounts, and managed and self-directed rollover individual retirement accounts for personal and corporate trusts. As of April 3, 2017, it operated 19 banking offices in the Richmond market area, the Northern Neck region, Tri-Cities area of Petersburg, Hopewell and Colonial Heights, Middlesex County, and Suffolk. Bay Banks of Virginia, Inc. was founded in 1930 and is headquartered in Kilmarnock, Virginia.
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