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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:TDBK, OTCPK:IEBS, NAS:OPHC, OTCPK:TYFG, OTCPK:MFBP, OTCPK:CZNB, OTCPK:TCNB, OTCBB:CFSO, OTCPK:ALBY, OTCPK:HWIS, OTCPK:CSHB, OTCBB:SUGR, OTCPK:EGDW, OTCPK:DLNO, OTCPK:CRSB, OTCPK:NJCB, OTCPK:DMAS, OTCPK:CIBH, OTCPK:MWBC, OTCPK:FCNH » 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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Valuation & Return

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More Statistics

Revenue (TTM) (Mil) $6.65
EPS (TTM) $ -7.46
Beta-2.14
Short Percentage of Float0.45%
52-Week Range $0.03 - 0.05
Shares Outstanding (Mil)2.15
» More Articles for BAYN

Headlines

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
Bayer raises sales and earnings Jul 27 2016
Bay Bank Expands its Lending Options Available to Small Businesses with RapidAdvance Partnership Jul 22 2016
Term Sheet — Wednesday, July 20 Jul 20 2016
Monsanto Rejects 'Financially Inadequate' Bayer Offer Jul 19 2016
Bayer Raises Stakes in Bid to Buy Monsanto Jul 15 2016
Bayer Raises Its Offer to $54.7 Billion for Monsanto Jul 14 2016
Bayer increases Monsanto offer and provides certainty on financing and regulatory matters Jul 14 2016
Not intended for UK Media -- Bayer and X-Chem Expand Drug Discovery Collaboration to Discover Novel... Jul 12 2016
Bay Bank Finalizes its Acquisition with Hopkins Federal Savings Bank Jul 11 2016
Causeway International Value Fund May Performance Review Jul 08 2016
Bayer supports novel ideas to increase crop productivity Jul 05 2016
Bayer Focuses on Scientific Education, Innovations to Enhance Cattle Health Jul 04 2016
Bay Bank Engages Col. Edward C. Rothstein to lead New Government Contracting and Cybersecurity... Jul 01 2016
Monsanto misses profit and sales expectations; shares drop Jun 29 2016
Not intended for U.S. and UK Media: Phase III data at ESMO 18th World Congress on Gastrointestinal... Jun 28 2016
Sanofi's Likely Sweetener for Medivation Panned Jun 23 2016
Bayer at the International Weed Science Congress, June 19-25, 2016 in Prague: -- Scientists agree:... Jun 20 2016
Innovative packaging technology from Bayer launched in Europe: -- Bayer CapSeal protects against... Jun 14 2016
Bayer Science & Education Foundation launches new round of funding -- Bayer foundation - EUR 350,000... Jun 08 2016
Why Isn't Deutsche Bank In on a Bayer, Monsanto Deal? Jun 06 2016

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