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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 0.35
BYLK's Cash to Debt is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. BYLK: 0.35 )
BYLK' s 10-Year Cash to Debt Range
Min: 0.12   Max: No Debt
Current: 0.35

Equity to Asset 0.10
BYLK's Equity to Asset is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. BYLK: 0.10 )
BYLK' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.1
Current: 0.1

0.07
0.1
Interest Coverage 2.50
BYLK's Interest Coverage is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. BYLK: 2.50 )
BYLK' s 10-Year Interest Coverage Range
Min: 0.02   Max: 2.5
Current: 2.5

0.02
2.5
F-Score: 5
Z-Score: 0.20
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 : 5/10

vs
industry
vs
history
Operating margin (%) 28.30
BYLK's Operating margin (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. BYLK: 28.30 )
BYLK' s 10-Year Operating margin (%) Range
Min: -46.15   Max: 35.5
Current: 28.3

-46.15
35.5
Net-margin (%) 20.01
BYLK's Net-margin (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. BYLK: 20.01 )
BYLK' s 10-Year Net-margin (%) Range
Min: -25.63   Max: 27.42
Current: 20.01

-25.63
27.42
ROE (%) 8.53
BYLK's ROE (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. BYLK: 8.53 )
BYLK' s 10-Year ROE (%) Range
Min: -14.24   Max: 14.98
Current: 8.53

-14.24
14.98
ROA (%) 0.80
BYLK's ROA (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. BYLK: 0.80 )
BYLK' s 10-Year ROA (%) Range
Min: -0.92   Max: 1.5
Current: 0.8

-0.92
1.5
ROC (Joel Greenblatt) (%) 57.46
BYLK's ROC (Joel Greenblatt) (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. BYLK: 57.46 )
BYLK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -72.3   Max: 66.49
Current: 57.46

-72.3
66.49
Revenue Growth (%) -7.90
BYLK's Revenue Growth (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. BYLK: -7.90 )
BYLK' s 10-Year Revenue Growth (%) Range
Min: -7.9   Max: 13.8
Current: -7.9

-7.9
13.8
EBITDA Growth (%) 85.70
BYLK's EBITDA Growth (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. BYLK: 85.70 )
BYLK' s 10-Year EBITDA Growth (%) Range
Min: -19   Max: 124.5
Current: 85.7

-19
124.5
EPS Growth (%) 79.50
BYLK's EPS Growth (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. BYLK: 79.50 )
BYLK' s 10-Year EPS Growth (%) Range
Min: -75.7   Max: 91.3
Current: 79.5

-75.7
91.3
» BYLK'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) 13.80
BYLK's P/E(ttm) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. BYLK: 13.80 )
BYLK' s 10-Year P/E(ttm) Range
Min: 5.04   Max: 392.86
Current: 13.8

5.04
392.86
P/B 1.00
BYLK's P/B is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. BYLK: 1.00 )
BYLK' s 10-Year P/B Range
Min: 0.23   Max: 1.88
Current: 1

0.23
1.88
P/S 3.00
BYLK's P/S is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. BYLK: 3.00 )
BYLK' s 10-Year P/S Range
Min: 0.39   Max: 3.64
Current: 3

0.39
3.64
PFCF 5.80
BYLK's PFCF is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. BYLK: 5.80 )
BYLK' s 10-Year PFCF Range
Min: 1.14   Max: 37.5
Current: 5.8

1.14
37.5
EV-to-EBIT 14.44
BYLK's EV-to-EBIT is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. BYLK: 14.44 )
BYLK' s 10-Year EV-to-EBIT Range
Min: 3.3   Max: 343
Current: 14.44

3.3
343
PEG 0.50
BYLK's PEG is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. BYLK: 0.50 )
BYLK' s 10-Year PEG Range
Min: 0.5   Max: 11.49
Current: 0.5

0.5
11.49
Shiller P/E 42.50
BYLK's Shiller P/E is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. BYLK: 42.50 )
BYLK' s 10-Year Shiller P/E Range
Min: 3.17   Max: 67.14
Current: 42.5

3.17
67.14

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.20
BYLK's Dividend Yield is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. BYLK: 2.20 )
BYLK' s 10-Year Dividend Yield Range
Min: 0.15   Max: 6.81
Current: 2.2

0.15
6.81
Dividend Payout 0.29
BYLK's Dividend Payout is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. BYLK: 0.29 )
BYLK' s 10-Year Dividend Payout Range
Min: 0.07   Max: 1.67
Current: 0.29

0.07
1.67
Yield on cost (5-Year) 2.20
BYLK's Yield on cost (5-Year) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. BYLK: 2.20 )
BYLK' s 10-Year Yield on cost (5-Year) Range
Min: 0.15   Max: 6.81
Current: 2.2

0.15
6.81
Share Buyback Rate -7.60
BYLK's Share Buyback Rate is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. BYLK: -7.60 )
BYLK' s 10-Year Share Buyback Rate Range
Min: 1.6   Max: -7.6
Current: -7.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.10
BYLK's Price/Tangible Book is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. BYLK: 1.10 )
BYLK' s 10-Year Price/Tangible Book Range
Min: 0.25   Max: 3.89
Current: 1.1

0.25
3.89
Price/DCF (Projected) 0.60
BYLK's Price/DCF (Projected) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. BYLK: 0.60 )
BYLK' s 10-Year Price/DCF (Projected) Range
Min: 0.1   Max: 0.72
Current: 0.6

0.1
0.72
Price/Median PS Value 1.40
BYLK's Price/Median PS Value is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. BYLK: 1.40 )
BYLK' s 10-Year Price/Median PS Value Range
Min: 0.19   Max: 11.08
Current: 1.4

0.19
11.08
Price/Graham Number 0.80
BYLK's Price/Graham Number is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. BYLK: 0.80 )
BYLK' s 10-Year Price/Graham Number Range
Min: 0.27   Max: 4.88
Current: 0.8

0.27
4.88
Earnings Yield (Greenblatt) 6.90
BYLK's Earnings Yield (Greenblatt) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. BYLK: 6.90 )
BYLK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.3   Max: 30.8
Current: 6.9

0.3
30.8
Forward Rate of Return (Yacktman) 8.92
BYLK's Forward Rate of Return (Yacktman) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. BYLK: 8.92 )
BYLK' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 4.2   Max: 58.9
Current: 8.92

4.2
58.9

Business Description

Industry: »
Compare: » details
Baylake Corp is a Wisconsin corporation organized in 1976. Its primary activities consist of holding the stock of its wholly-owned subsidiary bank, Baylake Bank (the 'Bank'), and providing a wide range of banking and related business activities through the Bank and its other subsidiaries. At December 31, 2012, it had total assets of approximately $1.0 billion. Baylake Bank is a Wisconsin state bank originally chartered in 1876. The Bank is an independent community bank offering a full range of financial services primarily to small businesses and individuals located in its market area. It conducts its community banking business through 23 full-service financial centers located throughout Northeast Wisconsin, in Brown, Door, Green Lake, Kewaunee, Manitowoc, Outagamie, Waupaca and Waushara Counties. It has eight financial centers in Door County, which is known for its tourism-related services. It has seven financial centers in Brown County, which includes the city of Green Bay. It serves a broader range of service, manufacturing and retail job segments in the Brown County market. Other principal industries in its market area include tourism/recreation, manufacturing, agriculture and food related products. The Bank also owns a non-bank subsidiary, Baylake Investments, Inc., located in Las Vegas, Nevada, which holds and manages a portion of the Bank's investment portfolio. The Bank also owns a minority interest (49.8% of the outstanding common stock) in United Financial Services, Inc. ('UFS'), a data processing services company located in Grafton, Wisconsin that provides data processing services to approximately 44 banks. It offers short-term and long-term loans on a secured and unsecured basis for business and personal purposes. It makes real estate, commercial/industrial, agricultural and consumer loans in accordance with the basic lending policies. It focuses its lending activities on individuals and small businesses in its market area. Its total outstanding loans as of December 31, 2012 were approximately $88.6 million. It maintains a portfolio of investments, primarily consisting of U.S. government sponsored agency securities, mortgage-backed securities, obligations of states and their political subdivisions, and private placement and corporate bonds. It offers a broad range of depository products, including noninterest-bearing demand deposits, interest-bearing demand deposits, various savings and money market accounts and certificates of deposit. Deposits are insured by the Deposit Insurance Fund of the Federal Deposit Insurance Corporation ('FDIC') up to statutory limits. At December 31, 2012, its total deposits were approximately $806.0 million, including interest-bearing deposits of $673.5 million and noninterest bearing deposits of $132.5 million. Other services and products it offers include safe deposit box services, personal and corporate trust services, brokerage services, cash management, private banking, financial plan
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