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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.

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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.

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» BAYN's 10-Y Financials

Financials (Next Earnings Date: 0)


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Oprt. Cash Flow & Net Income

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Business Description

Industry: Banks » Banks - Regional - US
Compare:OTCPK:IEBS, NAS:OPHC, OTCPK:TCNB, OTCPK:MFBP, OTCPK:CSHB, OTCPK:HWIS, OTCPK:ALBY, OTCPK:CRSB, OTCPK:EGDW, OTCBB:SUGR, OTCPK:DLNO, OTCPK:NJCB, OTCPK:DCBB, OTCPK:MWBC, OTCPK:CROL, OTCPK:FRSB, OTCPK:OJCB, OTCPK:FCNH, OTCBB:CNNB, OTCPK:CZBS » details
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...

Ratios

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Buy Back

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Valuation & Return

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More Statistics

Revenue (TTM) (Mil) $6.61
EPS (TTM) $ -8.34
Beta-1.38
Short Percentage of Float0.45%
52-Week Range $0.03 - 0.04
Shares Outstanding (Mil)2.15
» More Articles for BAYN

Headlines

Articles On GuruFocus.com
Warren Buffett's Financial Engineering Nov 15 2016 
3 Chemical Companies From Polaris Global Value Oct 17 2016 
Will the Monsanto-Bayer Deal Go Through? Sep 20 2016 
Sanofi in a State of Suspended Animation Until Boehringer Ingelheim Swap Sep 19 2016 
Monsanto Agrees to Bayer’s Proposal Sep 15 2016 
Monsanto: What the Gurus May Be Telling Us About a Potential Buy-Out Sep 13 2016 
Bestinfond’s 2nd Quarter Buys Sep 13 2016 
Causeway International Value Fund May Performance Review Jul 08 2016 
Ken Fisher Cuts His Stake in Royal Bank, Buys Roche Holding Oct 12 2015 
Ken Fisher's most weighted buys in Q2 2015 Jul 28 2015 

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NOT FOR DISTRIBUTION IN THE UNITED STATES OF AMERICA, CANADA, JAPAN OR AUSTRALIA -- Bayer... Nov 15 2016
Bay Bancorp, Inc. Announces Third Quarter 2016 Results Nov 15 2016
NOT FOR DISTRIBUTION IN THE UNITED STATES OF AMERICA, CANADA, JAPAN OR AUSTRALIA -- Bayer to issue... Nov 15 2016
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Not intended for U.S. and UK Media - New Study Presented at American Heart Association (AHA)... Nov 14 2016
Joint development of innovative crop protection solutions in agriculture: -- Bayer becomes partner... Nov 10 2016
Bayer comments on article in „Handelsblatt“ regarding the anticoagulant Xarelto® Nov 10 2016
European Drug Companies Get an Injection From Trump Victory Nov 09 2016
Not intended for U.S. and UK Media - American Heart Association (AHA) Scientific Sessions 2016: --... Nov 07 2016
Not intended for U.S. and UK Media -- Regorafenib from Bayer Submitted to Health Authorities Seeking... Nov 07 2016
Life sciences partner in a global start-up network -- Bayer and CUBE open cooperation space in... Oct 31 2016
Bayer CEO ‘Very Confident’ With Monsanto Deal Progression Oct 26 2016
News Conference Call for the Third Quarter of 2016 -- Address by Werner Baumann -- Chairman of the... Oct 26 2016
Third quarter of 2016: Bayer shows strong performance – Acquisition of Monsanto agreed Oct 26 2016
Carbon Disclosure Project publishes new climate ranking: Bayer an international leader in its sector... Oct 25 2016

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