Switch to:

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

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

» BAYN's 10-Y Financials

Financials (Next Earnings Date: 0)

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

» Details

Insider Trades

Latest Guru Trades with BAYN

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Business Description

Industry: Banks » Banks - Regional - US
Bay National Corp is a bank holding company, which through National Bank, offers a complete range of commercial, private, cash management, retail, and residential mortgage banking services.

Bay National Corp was incorporated under the laws of the State of Maryland on June 3, 1999. It serves as a bank holding company for a proposed federally chartered commercial bank to be named Bay National Bank. Bay National Bank targets its commercial banking services to small and mid-sized businesses and targets its retail banking services to the owners of these businesses and their employees, to business professionals and to high net worth individuals. Bay National Bank offers a full range of loans, including commercial and industrial loans, real estate loans, consumer loans and residential mortgage and home equity loans. Bay National Bank has targeted in building its loan portfolio: Commercial and industrial loans for business purposes including working capital, equipment purchases, lines of credit and government contract financing. Asset-based lending and accounts receivable financing are also available; Commercial real estate loans, including mortgage loans on non-residential properties, and land development and construction loan financing, mainly for owner-occupied premises as well as first and second mortgage loans on commercially owned residential investment properties; Residential mortgage loans and construction loans secured by residential property, including first and second mortgage loans on owner-occupied and investment properties (1 to 4 family and multi-family) owned by individuals, and home equity loans secured by single-family owner-occupied residences; Consumer loans include automobile and personal loans. In addition, Bay National Bank offers personal lines of credit. Bay National Bank offers a range of interest-bearing and non-interest-bearing accounts, including commercial and retail checking accounts, money market accounts, individual retirement accounts, interest-bearing statement savings accounts and certificates of deposit with fixed and variable rates and a range of maturity date options. Bay National Bank offers cash management services such as sweep accounts, repurchase agreements, commercial paper investments, account reconciliation, lockbox services and wire transfers of funds to its commercial customers. Additionally, Bay National Bank makes available telephone banking, ATM/debit cards, safe keeping boxes, after-hours deposit services, travelers checks, direct deposit of payroll and automatic drafts for various accounts. These services are provided either directly by Bay National Bank or through correspondent banking relationships. Bay National Bank does not have its own network of ATM machines. In most instances, Bay National Bank waives fees based upon a predetermined number of ATM transactions per month, thereby allowing its customers to use almost any ATM machine. Bay National Bank also competes with other community banks, savings and loan associations, credit unions, mortgage companies, finance companies and others providing financial services. The Company and Bay National Bank are subject to ext

Top Ranked Articles about Bay National Corp

Market Indexes Lower as Market Considers Outlook Bayer one of most actively traded stocks after announcing bid for Monsanto
U.S. market indexes were lower Monday to start the week as investors considered the future outlook with few market catalysts affecting trading for the day. Read more...



Buy Back


Valuation & Return


More Statistics

Revenue (TTM) (Mil) $6.61
EPS (TTM) $ -8.34
Short Percentage of Float0.45%
52-Week Range $0.03 - 0.04
Shares Outstanding (Mil)2.15
» More Articles for BAYN


Articles On GuruFocus.com
Market Indexes Lower as Market Considers Outlook May 23 2016 
Sensient Technologies: Buy This Market Leader In Food Colors Aug 12 2015 
Health Care Sector in an Upward Climb in June Jun 12 2014 

More From Other Websites
After Paying Off Debt, Lanxess Will Take On More For Chemtura Deal Sep 26 2016
New clinical guidelines: -- Iberogast™ recommended for the treatment of functional dyspepsia --... Sep 26 2016
Bayer at EuroTier 2016: -- Animal Health and Crop Protection from a single source -- Focus on dialog... Sep 23 2016
New scholarships worth EUR 345,000 awarded by Bayer Foundation to promote international talents Sep 23 2016
Bayer addresses challenges in the citrus industry with a holistic approach Sep 21 2016
Bayer sets ambitious growth and earnings aspirations Sep 20 2016
Tom Vilsack on Global Agriculture, Trade Sep 16 2016
Tom Vilsack on Bayer, Monsanto Deal and Consolidation Sep 16 2016
Bay Bank to Participate in Israel Bonds High Holiday Matching Program Sep 16 2016
Company News for September 15, 2016 Sep 15 2016
How a Bayer-Monsanto merger will wind up costing you at the grocery store Sep 15 2016
Bayer, Monsanto CEOs on Getting Deal Done? Sep 14 2016
Bayer, Monsanto CEOs on $66 Billion Merger Sep 14 2016
Bayer's Monsanto Financing Uses Debt to Avoid Shareholder Vote, Analysts Say Sep 14 2016
Does Bayer-Monsanto Deal Risk Regulatory Hurdles? Sep 14 2016
Creating a Global Leader in Agriculture Sep 14 2016
Video Transcript - Werner Baumann, CEO of Bayer AG and Hugh Grant, Chairman and Chief Executive... Sep 14 2016
Slides for the Media Conference Call -- Creating a Global Leader in Agriculture Sep 14 2016
Bayer Agrees to Buy Monsanto in $66 Billion Deal Sep 14 2016
Bayer and Monsanto used the one word that should make their employees very nervous Sep 14 2016

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)