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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 7/10

vs
industry
vs
history
Cash to Debt 0.35
BAYK's Cash to Debt is ranked lower than
75% of the 1088 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. BAYK: 0.35 )
Ranked among companies with meaningful Cash to Debt only.
BAYK' s Cash to Debt Range Over the Past 10 Years
Min: 0.17  Med: 0.83 Max: No Debt
Current: 0.35
Equity to Asset 0.09
BAYK's Equity to Asset is ranked lower than
64% of the 1578 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. BAYK: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
BAYK' s Equity to Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.09 Max: 0.12
Current: 0.09
0.08
0.12
Interest Coverage 0.71
BAYK's Interest Coverage is ranked lower than
73% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.82 vs. BAYK: 0.71 )
Ranked among companies with meaningful Interest Coverage only.
BAYK' s Interest Coverage Range Over the Past 10 Years
Min: 0.06  Med: 0.27 Max: 1.09
Current: 0.71
0.06
1.09
F-Score: 6
WACC vs ROIC
4.61%
2.81%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 11.77
BAYK's Operating margin (%) is ranked lower than
85% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.86 vs. BAYK: 11.77 )
Ranked among companies with meaningful Operating margin (%) only.
BAYK' s Operating margin (%) Range Over the Past 10 Years
Min: -3.92  Med: 12.56 Max: 25.31
Current: 11.77
-3.92
25.31
Net-margin (%) 9.44
BAYK's Net-margin (%) is ranked lower than
85% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.37 vs. BAYK: 9.44 )
Ranked among companies with meaningful Net-margin (%) only.
BAYK' s Net-margin (%) Range Over the Past 10 Years
Min: -0.75  Med: 9.65 Max: 18.39
Current: 9.44
-0.75
18.39
ROE (%) 3.93
BAYK's ROE (%) is ranked lower than
80% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. BAYK: 3.93 )
Ranked among companies with meaningful ROE (%) only.
BAYK' s ROE (%) Range Over the Past 10 Years
Min: -0.39  Med: 4.06 Max: 9.72
Current: 3.93
-0.39
9.72
ROA (%) 0.39
BAYK's ROA (%) is ranked lower than
77% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. BAYK: 0.39 )
Ranked among companies with meaningful ROA (%) only.
BAYK' s ROA (%) Range Over the Past 10 Years
Min: -0.03  Med: 0.43 Max: 0.84
Current: 0.39
-0.03
0.84
Revenue Growth (3Y)(%) -15.00
BAYK's Revenue Growth (3Y)(%) is ranked lower than
85% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. BAYK: -15.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
BAYK' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -15  Med: -0.30 Max: 7.4
Current: -15
-15
7.4
EBITDA Growth (3Y)(%) 15.40
BAYK's EBITDA Growth (3Y)(%) is ranked higher than
73% of the 1167 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. BAYK: 15.40 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
BAYK' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -54.8  Med: 2.10 Max: 62.2
Current: 15.4
-54.8
62.2
EPS Growth (3Y)(%) 41.40
BAYK's EPS Growth (3Y)(%) is ranked higher than
90% of the 1165 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. BAYK: 41.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
BAYK' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -41.2  Med: 2.60 Max: 41.4
Current: 41.4
-41.2
41.4
» BAYK's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Latest Guru Trades with BAYK

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Ratios

vs
industry
vs
history
P/E(ttm) 17.84
BAYK's P/E(ttm) is ranked lower than
79% of the 2083 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.50 vs. BAYK: 17.84 )
Ranked among companies with meaningful P/E(ttm) only.
BAYK' s P/E(ttm) Range Over the Past 10 Years
Min: 10.52  Med: 16.85 Max: 47.92
Current: 17.84
10.52
47.92
PE(NRI) 17.84
BAYK's PE(NRI) is ranked lower than
77% of the 1535 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.30 vs. BAYK: 17.84 )
Ranked among companies with meaningful PE(NRI) only.
BAYK' s PE(NRI) Range Over the Past 10 Years
Min: 10.55  Med: 16.74 Max: 47.92
Current: 17.84
10.55
47.92
P/B 0.67
BAYK's P/B is ranked higher than
72% of the 2114 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.98 vs. BAYK: 0.67 )
Ranked among companies with meaningful P/B only.
BAYK' s P/B Range Over the Past 10 Years
Min: 0.26  Med: 0.68 Max: 1.45
Current: 0.67
0.26
1.45
P/S 1.67
BAYK's P/S is ranked higher than
73% of the 2513 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.57 vs. BAYK: 1.67 )
Ranked among companies with meaningful P/S only.
BAYK' s P/S Range Over the Past 10 Years
Min: 0.57  Med: 1.66 Max: 2.91
Current: 1.67
0.57
2.91
PFCF 285.00
BAYK's PFCF is ranked lower than
100% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.54 vs. BAYK: 285.00 )
Ranked among companies with meaningful PFCF only.
BAYK' s PFCF Range Over the Past 10 Years
Min: 2.99  Med: 13.23 Max: 298.5
Current: 285
2.99
298.5
POCF 11.62
BAYK's POCF is ranked lower than
75% of the 1445 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.26 vs. BAYK: 11.62 )
Ranked among companies with meaningful POCF only.
BAYK' s POCF Range Over the Past 10 Years
Min: 2.85  Med: 7.41 Max: 46.36
Current: 11.62
2.85
46.36
EV-to-EBIT 26.34
BAYK's EV-to-EBIT is ranked lower than
81% of the 2044 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.62 vs. BAYK: 26.34 )
Ranked among companies with meaningful EV-to-EBIT only.
BAYK' s EV-to-EBIT Range Over the Past 10 Years
Min: -50.7  Med: 16.55 Max: 86.5
Current: 26.34
-50.7
86.5
EV-to-EBITDA 17.71
BAYK's EV-to-EBITDA is ranked lower than
73% of the 2053 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.33 vs. BAYK: 17.71 )
Ranked among companies with meaningful EV-to-EBITDA only.
BAYK' s EV-to-EBITDA Range Over the Past 10 Years
Min: -7.8  Med: 12.70 Max: 109.6
Current: 17.71
-7.8
109.6
PEG 0.70
BAYK's PEG is ranked higher than
61% of the 653 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. BAYK: 0.70 )
Ranked among companies with meaningful PEG only.
BAYK' s PEG Range Over the Past 10 Years
Min: 0.45  Med: 1.41 Max: 55.08
Current: 0.7
0.45
55.08
Shiller P/E 13.59
BAYK's Shiller P/E is ranked higher than
61% of the 557 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.24 vs. BAYK: 13.59 )
Ranked among companies with meaningful Shiller P/E only.
BAYK' s Shiller P/E Range Over the Past 10 Years
Min: 4.49  Med: 9.28 Max: 14.21
Current: 13.59
4.49
14.21

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.74
BAYK's Price/Tangible Book is ranked higher than
71% of the 1932 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. BAYK: 0.74 )
Ranked among companies with meaningful Price/Tangible Book only.
BAYK' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.32  Med: 0.84 Max: 1.81
Current: 0.74
0.32
1.81
Price/Projected FCF 0.53
BAYK's Price/Projected FCF is ranked higher than
62% of the 1071 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.64 vs. BAYK: 0.53 )
Ranked among companies with meaningful Price/Projected FCF only.
BAYK' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.24  Med: 0.52 Max: 0.82
Current: 0.53
0.24
0.82
Price/Median PS Value 1.01
BAYK's Price/Median PS Value is ranked lower than
63% of the 1761 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. BAYK: 1.01 )
Ranked among companies with meaningful Price/Median PS Value only.
BAYK' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.38  Med: 1.09 Max: 2.93
Current: 1.01
0.38
2.93
Price/Peter Lynch Fair Value 1.25
BAYK's Price/Peter Lynch Fair Value is ranked lower than
73% of the 502 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. BAYK: 1.25 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
BAYK' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.57  Med: 1.27 Max: 3.67
Current: 1.25
0.57
3.67
Price/Graham Number 0.77
BAYK's Price/Graham Number is ranked higher than
52% of the 1720 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.79 vs. BAYK: 0.77 )
Ranked among companies with meaningful Price/Graham Number only.
BAYK' s Price/Graham Number Range Over the Past 10 Years
Min: 0.59  Med: 0.90 Max: 1.23
Current: 0.77
0.59
1.23
Earnings Yield (Greenblatt) (%) 3.82
BAYK's Earnings Yield (Greenblatt) (%) is ranked lower than
73% of the 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. BAYK: 3.82 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
BAYK' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.2  Med: 5.80 Max: 115.8
Current: 3.82
1.2
115.8
Forward Rate of Return (Yacktman) (%) 25.85
BAYK's Forward Rate of Return (Yacktman) (%) is ranked higher than
69% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. BAYK: 25.85 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
BAYK' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -31.7  Med: 2.60 Max: 44
Current: 25.85
-31.7
44

More Statistics

Revenue(Mil) $16
EPS $ 0.32
Beta0.13
Short Percentage of Float0.00%
52-Week Range $5.37 - 6.15
Shares Outstanding(Mil)4.77

Business Description

Industry: Banks » Banks - Regional - US
Compare: » details
Bay Banks of Virginia, Inc. is a bank holding company that conducts substantially all of its operations through its subsidiaries, Bank of Lancaster (the 'Bank') and Bay Trust Company. The Company was incorporated under the laws of the Commonwealth of Virginia on June 30, 1997, in connection with the holding company reorganization of the Bank of Lancaster. The Bank is a state-chartered bank and a member of the Federal Reserve System. The Bank services individual and commercial customers, the majority of which are in the Northern Neck of Virginia, by providing banking and related financial services, including checking, savings, other depository services, commercial and industrial loans, residential and commercial mortgages, home equity loans, consumer installment loans, investment brokerage services, insurance, credit cards, and electronic banking. The Bank has two offices located in Kilmarnock, Virginia, and one office each in White Stone, Warsaw, Montross, Heathsville, Callao, Burgess, and Colonial Beach, Virginia. A substantial amount of the Bank's deposits are interest bearing, and the majority of the Bank's loan portfolio is secured by real estate. The Company's marketplace is situated on the Northern Neck peninsula of Virginia, plus Middlesex County. The Northern Neck includes the counties of Lancaster, Northumberland, Richmond, and Westmoreland. Smaller, retired households with relatively high per capita incomes dominate the Company's primary trading area. Health care, tourism, and related services are the major employment sectors in the Northern Neck. The Company is subject to competition from a variety of commercial banks and financial service companies, large national and regional financial institutions, large regional credit unions, mortgage companies, consumer finance companies, mutual funds and insurance companies. The Company is subject to regulation by the Federal Reserve. Under the Bank Holding Company Act of 1956, the Federal Reserve exercises supervisory responsibility for any non-bank acquisition, merger or consolidation.
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