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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 0.51
BAYK's Cash to Debt is ranked lower than
69% of the 973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. BAYK: 0.51 )
Ranked among companies with meaningful Cash to Debt only.
BAYK' s 10-Year Cash to Debt Range
Min: 0.17  Med: 0.83 Max: No Debt
Current: 0.51
Equity to Asset 0.10
BAYK's Equity to Asset is ranked lower than
54% of the 1290 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. BAYK: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
BAYK' s 10-Year Equity to Asset Range
Min: 0.08  Med: 0.09 Max: 0.12
Current: 0.1
0.08
0.12
Interest Coverage 1.09
BAYK's Interest Coverage is ranked lower than
62% of the 1205 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. BAYK: 1.09 )
Ranked among companies with meaningful Interest Coverage only.
BAYK' s 10-Year Interest Coverage Range
Min: 0.06  Med: 0.43 Max: 1.09
Current: 1.09
0.06
1.09
F-Score: 6
WACC vs ROIC
6.40%
3.52%
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 (%) 14.01
BAYK's Operating margin (%) is ranked lower than
81% of the 1357 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.54 vs. BAYK: 14.01 )
Ranked among companies with meaningful Operating margin (%) only.
BAYK' s 10-Year Operating margin (%) Range
Min: -3.92  Med: 16.52 Max: 29.24
Current: 14.01
-3.92
29.24
Net-margin (%) 11.02
BAYK's Net-margin (%) is ranked lower than
80% of the 1356 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.24 vs. BAYK: 11.02 )
Ranked among companies with meaningful Net-margin (%) only.
BAYK' s 10-Year Net-margin (%) Range
Min: -0.75  Med: 12.42 Max: 21.22
Current: 11.02
-0.75
21.22
ROE (%) 4.50
BAYK's ROE (%) is ranked lower than
75% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.13 vs. BAYK: 4.50 )
Ranked among companies with meaningful ROE (%) only.
BAYK' s 10-Year ROE (%) Range
Min: -0.39  Med: 5.78 Max: 9.72
Current: 4.5
-0.39
9.72
ROA (%) 0.49
BAYK's ROA (%) is ranked lower than
70% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. BAYK: 0.49 )
Ranked among companies with meaningful ROA (%) only.
BAYK' s 10-Year ROA (%) Range
Min: -0.03  Med: 0.51 Max: 0.9
Current: 0.49
-0.03
0.9
ROC (Joel Greenblatt) (%) 19.91
BAYK's ROC (Joel Greenblatt) (%) is ranked lower than
79% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 74.52 vs. BAYK: 19.91 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
BAYK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -4.05  Med: 21.22 Max: 79.59
Current: 19.91
-4.05
79.59
Revenue Growth (3Y)(%) -15.00
BAYK's Revenue Growth (3Y)(%) is ranked lower than
90% of the 1149 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. BAYK: -15.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
BAYK' s 10-Year Revenue Growth (3Y)(%) Range
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
72% of the 1011 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. BAYK: 15.40 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
BAYK' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -54.8  Med: 2.10 Max: 62.2
Current: 15.4
-54.8
62.2
EPS Growth (3Y)(%) 43.00
BAYK's EPS Growth (3Y)(%) is ranked higher than
89% of the 1020 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. BAYK: 43.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
BAYK' s 10-Year EPS Growth (3Y)(%) Range
Min: -41.5  Med: 2.50 Max: 43
Current: 43
-41.5
43
» BAYK's 10-Y Financials

Financials


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

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 16.07
BAYK's P/E(ttm) is ranked lower than
59% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. BAYK: 16.07 )
Ranked among companies with meaningful P/E(ttm) only.
BAYK' s 10-Year P/E(ttm) Range
Min: 10.55  Med: 16.46 Max: 47.52
Current: 16.07
10.55
47.52
PE(NRI) 16.00
BAYK's PE(NRI) is ranked lower than
60% of the 1217 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. BAYK: 16.00 )
Ranked among companies with meaningful PE(NRI) only.
BAYK' s 10-Year PE(NRI) Range
Min: 10.7  Med: 16.42 Max: 47.92
Current: 16
10.7
47.92
P/B 0.70
BAYK's P/B is ranked higher than
81% of the 1351 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. BAYK: 0.70 )
Ranked among companies with meaningful P/B only.
BAYK' s 10-Year P/B Range
Min: 0.26  Med: 0.70 Max: 1.45
Current: 0.7
0.26
1.45
P/S 1.78
BAYK's P/S is ranked higher than
79% of the 1422 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.99 vs. BAYK: 1.78 )
Ranked among companies with meaningful P/S only.
BAYK' s 10-Year P/S Range
Min: 0.57  Med: 1.68 Max: 2.91
Current: 1.78
0.57
2.91
PFCF 16.25
BAYK's PFCF is ranked lower than
66% of the 825 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.60 vs. BAYK: 16.25 )
Ranked among companies with meaningful PFCF only.
BAYK' s 10-Year PFCF Range
Min: 2.99  Med: 13.21 Max: 108.17
Current: 16.25
2.99
108.17
POCF 7.41
BAYK's POCF is ranked higher than
62% of the 930 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.17 vs. BAYK: 7.41 )
Ranked among companies with meaningful POCF only.
BAYK' s 10-Year POCF Range
Min: 2.85  Med: 7.29 Max: 43.27
Current: 7.41
2.85
43.27
EV-to-EBIT 20.03
BAYK's EV-to-EBIT is ranked lower than
68% of the 1366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. BAYK: 20.03 )
Ranked among companies with meaningful EV-to-EBIT only.
BAYK' s 10-Year EV-to-EBIT Range
Min: -50.7  Med: 15.10 Max: 86.5
Current: 20.03
-50.7
86.5
PEG 0.62
BAYK's PEG is ranked higher than
75% of the 542 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. BAYK: 0.62 )
Ranked among companies with meaningful PEG only.
BAYK' s 10-Year PEG Range
Min: 0.5  Med: 1.65 Max: 13.44
Current: 0.62
0.5
13.44
Shiller P/E 30.51
BAYK's Shiller P/E is ranked lower than
82% of the 771 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.62 vs. BAYK: 30.51 )
Ranked among companies with meaningful Shiller P/E only.
BAYK' s 10-Year Shiller P/E Range
Min: 5.2  Med: 11.31 Max: 32.37
Current: 30.51
5.2
32.37
Days Sales Outstanding 25.19
BAYK's Days Sales Outstanding is ranked higher than
70% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 35.19 vs. BAYK: 25.19 )
Ranked among companies with meaningful Days Sales Outstanding only.
BAYK' s 10-Year Days Sales Outstanding Range
Min: 26.16  Med: 34.82 Max: 55.89
Current: 25.19
26.16
55.89

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.77
BAYK's Price/Tangible Book is ranked higher than
79% of the 1331 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. BAYK: 0.77 )
Ranked among companies with meaningful Price/Tangible Book only.
BAYK' s 10-Year Price/Tangible Book Range
Min: 0.32  Med: 0.90 Max: 1.81
Current: 0.77
0.32
1.81
Price/Projected FCF 0.54
BAYK's Price/Projected FCF is ranked higher than
66% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. BAYK: 0.54 )
Ranked among companies with meaningful Price/Projected FCF only.
BAYK' s 10-Year Price/Projected FCF Range
Min: 0.24  Med: 0.51 Max: 0.82
Current: 0.54
0.24
0.82
Price/Median PS Value 1.06
BAYK's Price/Median PS Value is ranked higher than
61% of the 1286 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. BAYK: 1.06 )
Ranked among companies with meaningful Price/Median PS Value only.
BAYK' s 10-Year Price/Median PS Value Range
Min: 0.37  Med: 1.08 Max: 2.86
Current: 1.06
0.37
2.86
Price/Peter Lynch Fair Value 0.81
BAYK's Price/Peter Lynch Fair Value is ranked higher than
63% of the 357 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 vs. BAYK: 0.81 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
BAYK' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.57  Med: 0.87 Max: 3.08
Current: 0.81
0.57
3.08
Price/Graham Number 0.74
BAYK's Price/Graham Number is ranked higher than
67% of the 1154 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. BAYK: 0.74 )
Ranked among companies with meaningful Price/Graham Number only.
BAYK' s 10-Year Price/Graham Number Range
Min: 0.59  Med: 0.95 Max: 1.25
Current: 0.74
0.59
1.25
Earnings Yield (Greenblatt) (%) 4.95
BAYK's Earnings Yield (Greenblatt) (%) is ranked lower than
62% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. BAYK: 4.95 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
BAYK' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 1.2  Med: 6.00 Max: 115.8
Current: 4.95
1.2
115.8
Forward Rate of Return (Yacktman) (%) 33.31
BAYK's Forward Rate of Return (Yacktman) (%) is ranked higher than
80% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. BAYK: 33.31 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
BAYK' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -33.7  Med: 1.20 Max: 47.2
Current: 33.31
-33.7
47.2

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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