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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 0.70
BAYK's Cash to Debt is ranked higher than
70% of the 1375 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.49 vs. BAYK: 0.70 )
BAYK' s 10-Year Cash to Debt Range
Min: 0.17   Max: No Debt
Current: 0.7

Equity to Asset 0.11
BAYK's Equity to Asset is ranked higher than
79% of the 1762 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. BAYK: 0.11 )
BAYK' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.12
Current: 0.11

0.08
0.12
Interest Coverage 0.57
BAYK's Interest Coverage is ranked higher than
57% of the 1631 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. BAYK: 0.57 )
BAYK' s 10-Year Interest Coverage Range
Min: 0.06   Max: 0.68
Current: 0.57

0.06
0.68
F-Score: 5
Z-Score: 0.19
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 : 6/10

vs
industry
vs
history
Operating margin (%) 13.31
BAYK's Operating margin (%) is ranked higher than
56% of the 1787 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.70 vs. BAYK: 13.31 )
BAYK' s 10-Year Operating margin (%) Range
Min: -3.92   Max: 29.24
Current: 13.31

-3.92
29.24
Net-margin (%) 10.24
BAYK's Net-margin (%) is ranked higher than
57% of the 1787 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.59 vs. BAYK: 10.24 )
BAYK' s 10-Year Net-margin (%) Range
Min: -0.75   Max: 21.22
Current: 10.24

-0.75
21.22
ROE (%) 4.21
BAYK's ROE (%) is ranked higher than
60% of the 1794 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.59 vs. BAYK: 4.21 )
BAYK' s 10-Year ROE (%) Range
Min: -0.39   Max: 9.72
Current: 4.21

-0.39
9.72
ROA (%) 0.47
BAYK's ROA (%) is ranked higher than
63% of the 1794 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. BAYK: 0.47 )
BAYK' s 10-Year ROA (%) Range
Min: -0.03   Max: 0.9
Current: 0.47

-0.03
0.9
ROC (Joel Greenblatt) (%) 18.80
BAYK's ROC (Joel Greenblatt) (%) is ranked higher than
57% of the 1768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.73 vs. BAYK: 18.80 )
BAYK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -4.05   Max: 79.59
Current: 18.8

-4.05
79.59
Revenue Growth (%) -14.00
BAYK's Revenue Growth (%) is ranked higher than
55% of the 1560 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. BAYK: -14.00 )
BAYK' s 10-Year Revenue Growth (%) Range
Min: -14   Max: 7.4
Current: -14

-14
7.4
EBITDA Growth (%) 2.10
BAYK's EBITDA Growth (%) is ranked higher than
68% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. BAYK: 2.10 )
BAYK' s 10-Year EBITDA Growth (%) Range
Min: -54.8   Max: 62.2
Current: 2.1

-54.8
62.2
EPS Growth (%) 21.30
BAYK's EPS Growth (%) is ranked higher than
87% of the 1419 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. BAYK: 21.30 )
BAYK' s 10-Year EPS Growth (%) Range
Min: -41.5   Max: 21.3
Current: 21.3

-41.5
21.3
» BAYK's 10-Y Financials

Financials


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

» Details

Insider Trades

Latest Guru Trades with BAYK

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Ratios

vs
industry
vs
history
P/E(ttm) 15.40
BAYK's P/E(ttm) is ranked higher than
72% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.80 vs. BAYK: 15.40 )
BAYK' s 10-Year P/E(ttm) Range
Min: 10.55   Max: 47.52
Current: 15.4

10.55
47.52
P/B 0.60
BAYK's P/B is ranked higher than
91% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 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 1.60
BAYK's P/S is ranked higher than
91% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.07 vs. BAYK: 1.60 )
BAYK' s 10-Year P/S Range
Min: 0.57   Max: 3.45
Current: 1.6

0.57
3.45
PFCF 168.30
BAYK's PFCF is ranked higher than
73% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. BAYK: 168.30 )
BAYK' s 10-Year PFCF Range
Min: 3.48   Max: 200.67
Current: 168.3

3.48
200.67
EV-to-EBIT 15.51
BAYK's EV-to-EBIT is ranked higher than
75% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.86 vs. BAYK: 15.51 )
BAYK' s 10-Year EV-to-EBIT Range
Min: -50.7   Max: 86.5
Current: 15.51

-50.7
86.5
PEG 0.49
BAYK's PEG is ranked higher than
95% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. BAYK: 0.49 )
BAYK' s 10-Year PEG Range
Min: 0.54   Max: 13.44
Current: 0.49

0.54
13.44
Shiller P/E 24.70
BAYK's Shiller P/E is ranked higher than
77% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 27.85 vs. BAYK: 24.70 )
BAYK' s 10-Year Shiller P/E Range
Min: 5.2   Max: 30.1
Current: 24.7

5.2
30.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.70
BAYK's Price/Tangible Book is ranked higher than
91% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. BAYK: 0.70 )
BAYK' s 10-Year Price/Tangible Book Range
Min: 0.32   Max: 1.81
Current: 0.7

0.32
1.81
Price/DCF (Projected) 0.57
BAYK's Price/DCF (Projected) is ranked higher than
85% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. BAYK: 0.57 )
BAYK' s 10-Year Price/DCF (Projected) Range
Min: 0.24   Max: 0.82
Current: 0.57

0.24
0.82
Price/Median PS Value 0.94
BAYK's Price/Median PS Value is ranked higher than
86% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. BAYK: 0.94 )
BAYK' s 10-Year Price/Median PS Value Range
Min: 0.37   Max: 2.84
Current: 0.94

0.37
2.84
Price/Peter Lynch Fair Value 0.61
BAYK's Price/Peter Lynch Fair Value is ranked higher than
95% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. BAYK: 0.61 )
BAYK' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.7   Max: 3.08
Current: 0.61

0.7
3.08
Price/Graham Number 0.69
BAYK's Price/Graham Number is ranked higher than
87% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. BAYK: 0.69 )
BAYK' s 10-Year Price/Graham Number Range
Min: 0.59   Max: 1.25
Current: 0.69

0.59
1.25
Earnings Yield (Greenblatt) 6.40
BAYK's Earnings Yield (Greenblatt) is ranked higher than
73% of the 1739 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. BAYK: 6.40 )
BAYK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.2   Max: 115.8
Current: 6.4

1.2
115.8
Forward Rate of Return (Yacktman) 37.01
BAYK's Forward Rate of Return (Yacktman) is ranked higher than
89% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.57 vs. BAYK: 37.01 )
BAYK' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -33.7   Max: 38.7
Current: 37.01

-33.7
38.7

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.
» More Articles for BAYK

Headlines

Articles On GuruFocus.com

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Bank of Lancaster is Getting Ready to Open Its Doors Oct 16 2014
BAY BANKS OF VIRGINIA INC Files SEC form 8-K, Other Events Oct 16 2014
Bank of Lancaster is Getting Ready to Open Its Doors Oct 16 2014
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BAY BANKS OF VIRGINIA INC Financials Aug 20 2014
Bank of Lancaster Launches a New Way to Bank: Extreme Banking Aug 14 2014
BAY BANKS OF VIRGINIA INC Files SEC form 10-Q, Quarterly Report Aug 11 2014
BAY BANKS OF VIRGINIA INC Files SEC form 8-K, Results of Operations and Financial Condition,... Jul 29 2014
Bay Banks of Virginia, Inc. Reports Second Quarter Earnings Up 12% Jul 29 2014
BAY BANKS OF VIRGINIA INC Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jun 25 2014
Former Reynolds Metals Executive Joins Bank of Lancaster Board Jun 25 2014
BAY BANKS OF VIRGINIA INC Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 21 2014
BAY BANKS OF VIRGINIA INC Files SEC form 10-Q, Quarterly Report May 13 2014
BAY BANKS OF VIRGINIA INC Files SEC form 8-K, Results of Operations and Financial Condition,... Apr 30 2014
Bay Banks of Virginia, Inc. Reports First Quarter Earnings Up 228.6% Apr 30 2014
Bay Banks of Virginia: Bank of Lancaster Has Hired John Powell as SVP, Commercial Banking... Apr 30 2014
BAY BANKS OF VIRGINIA INC Files SEC form 8-K, Amendments to Articles of Inc. or Bylaws; Change in... Mar 28 2014
BAY BANKS OF VIRGINIA INC Files SEC form 10-K, Annual Report Mar 28 2014
BAY BANKS OF VIRGINIA INC Files SEC form 8-K/A, Results of Operations and Financial Condition,... Mar 26 2014
Bay Banks of Virginia, Inc. Reports Sale of Troubled Asset Mar 25 2014

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