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4.79 (1y: -4%)
Market Cap 23.08 M P/E(ttm) 18.40
Enterprise Value 38.08 M P/B 0.60
BAYK- OTCPK (USA)
Bay Banks of Virginia, Inc.
  • Currently 1/5
Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$4.79
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GuruFocus Financial Strength Rank measures how strong a companyย’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 : 5/10

vs
industry		 vs
history
Cash to Debt 2.662
BAYK's Cash to Debt is ranked higher than
59% of the 707 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.34 vs. BAYK: 2.662 )
BAYK' s 10-Year Cash to Debt Range
Min: 0.18   Max: No Debt
Current: 2.66
Equity to Asset 0.101
BAYK's Equity to Asset is ranked higher than
58% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. BAYK: 0.101 )
BAYK' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.1
Current: 0.1
0.07
0.1
Interest Coverage No Debt
BAYK's Interest Coverage is ranked lower than
83% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. BAYK: No Debt )
BAYK' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 6
Z-Score: 0.25
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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 : 4/10

vs
industry		 vs
history
Operating margin (%) 5.80
BAYK's Operating margin (%) is ranked lower than
96% of the 719 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.90 vs. BAYK: 5.80 )
BAYK' s 10-Year Operating margin (%) Range
Min: -3.9   Max: 29.2
Current: 5.8
-3.9
29.2
Net-margin (%) 4.5
BAYK's Net-margin (%) is ranked lower than
95% of the 793 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.60 vs. BAYK: 4.5 )
BAYK' s 10-Year Net-margin (%) Range
Min: -0.8   Max: 21.2
Current: 4.5
-0.8
21.2
ROE (%) 1.9
BAYK's ROE (%) is ranked lower than
85% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. BAYK: 1.9 )
BAYK' s 10-Year ROE (%) Range
Min: -0.4   Max: 9.6
Current: 1.9
-0.4
9.6
ROA (%) 0.2
BAYK's ROA (%) is ranked lower than
92% of the 768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. BAYK: 0.2 )
BAYK' s 10-Year ROA (%) Range
Min: 0.1   Max: 0.9
Current: 0.2
0.1
0.9
Revenue Growth (%) 3.1
BAYK's Revenue Growth (%) is ranked lower than
68% of the 344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.40 vs. BAYK: 3.1 )
BAYK' s 10-Year Revenue Growth (%) Range
Min: -1.8   Max: 5.5
Current: 3.1
-1.8
5.5
EBITDA Growth (%) 43.7
BAYK's EBITDA Growth (%) is ranked higher than
89% of the 333 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.00 vs. BAYK: 43.7 )
BAYK' s 10-Year EBITDA Growth (%) Range
Min: -44.8   Max: 43.7
Current: 43.7
-44.8
43.7
ยป 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) 18.40
BAYK's P/E(ttm) is ranked lower than
73% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.70 vs. BAYK: 18.40 )
BAYK' s 10-Year P/E(ttm) Range
Min: 10.52   Max: 47.52
Current: 18.4
10.52
47.52
P/B 0.60
BAYK's P/B is ranked higher than
73% of the 877 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. BAYK: 0.60 )
BAYK' s 10-Year P/B Range
Min: 0.26   Max: 1.58
Current: 0.6
0.26
1.58
P/S 1.00
BAYK's P/S is ranked higher than
92% of the 896 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.48 vs. BAYK: 1.00 )
BAYK' s 10-Year P/S Range
Min: 0.57   Max: 3.73
Current: 1
0.57
3.73
PFCF 3.40
BAYK's PFCF is ranked higher than
71% of the 695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. BAYK: 3.40 )
BAYK' s 10-Year PFCF Range
Min: 3.12   Max: 108.17
Current: 3.4
3.12
108.17
EV-to-EBIT 38.5
BAYK's EV-to-EBIT is ranked lower than
84% of the 745 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.89 vs. BAYK: 38.5 )
BAYK' s 10-Year EV-to-EBIT Range
Min: 0.9   Max: 86.5
Current: 38.5
0.9
86.5
Shiller P/E 15.7
BAYK's Shiller P/E is ranked lower than
100% of the Companies
in the Global Banks - Regional - US industry.

( Industry Median: vs. BAYK: 15.7 )
BAYK' s 10-Year Shiller P/E Range
Min: 5.2   Max: 16.87
Current: 15.7
5.2
16.87

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 0.7
BAYK's Price/Tangible Book is ranked higher than
76% of the 798 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. BAYK: 0.7 )
BAYK' s 10-Year Price/Tangible Book Range
Min: 0.4   Max: 1.7
Current: 0.7
0.4
1.7
Price/DCF (Projected) 0.2
BAYK's Price/DCF (Projected) is ranked higher than
90% of the 503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. BAYK: 0.2 )
BAYK' s 10-Year Price/DCF (Projected) Range
Min: 0.2   Max: 0.6
Current: 0.2
0.2
0.6
Price/Median PS Value 0.4
BAYK's Price/Median PS Value is ranked higher than
93% of the 854 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. BAYK: 0.4 )
BAYK' s 10-Year Price/Median PS Value Range
Min: 0.3   Max: 1.6
Current: 0.4
0.3
1.6
Price/Graham Number 0.5
BAYK's Price/Graham Number is ranked higher than
79% of the 763 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. BAYK: 0.5 )
BAYK' s 10-Year Price/Graham Number Range
Min: 0.5   Max: 1.2
Current: 0.5
0.5
1.2
Earnings Yield (Greenblatt) 2.60
BAYK's Earnings Yield (Greenblatt) is ranked lower than
83% of the 745 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. BAYK: 2.60 )
BAYK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.2   Max: 115.8
Current: 2.6
1.2
115.8
Forward Rate of Return (Yacktman) 4.27
BAYK's Forward Rate of Return (Yacktman) is ranked lower than
90% of the 487 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.14 vs. BAYK: 4.27 )
BAYK' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -24.9   Max: 16
Current: 4.27
-24.9
16

Business Description

Bay Banks of Virginia, Inc. 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 Company 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 'Trust Company'). 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 a full range of 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 internet 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. Deposits of the Bank are insured by the Deposit Insurance Fund of the Federal Deposit Insurance Corporation. 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 main 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 number 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. Competition for loans and deposits is affected by numerous factors, including interest rates and institutional reputation. The Company is subject to regulation by the Federal Reserve.
Company Website
SEC Reports
Industry: Banks - Regional - US
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