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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 : 6/10

vs
industry
vs
history
Cash to Debt 1.22
BYLK's Cash to Debt is ranked lower than
58% of the 1537 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.11 vs. BYLK: 1.22 )
Ranked among companies with meaningful Cash to Debt only.
BYLK' s Cash to Debt Range Over the Past 10 Years
Min: 0.14  Med: 0.47 Max: 44.8
Current: 1.22
0.14
44.8
Equity to Asset 0.11
BYLK's Equity to Asset is ranked higher than
62% of the 1597 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. BYLK: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
BYLK' s Equity to Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.07 Max: 0.11
Current: 0.11
0.07
0.11
Interest Coverage 4.45
BYLK's Interest Coverage is ranked higher than
77% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. BYLK: 4.45 )
Ranked among companies with meaningful Interest Coverage only.
BYLK' s Interest Coverage Range Over the Past 10 Years
Min: 0.02  Med: 1.35 Max: 4.45
Current: 4.45
0.02
4.45
F-Score: 6
M-Score: -2.29
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 (%) 27.70
BYLK's Operating margin (%) is ranked lower than
57% of the 1640 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.80 vs. BYLK: 27.70 )
Ranked among companies with meaningful Operating margin (%) only.
BYLK' s Operating margin (%) Range Over the Past 10 Years
Min: -59.39  Med: 16.78 Max: 30.06
Current: 27.7
-59.39
30.06
Net-margin (%) 18.94
BYLK's Net-margin (%) is ranked lower than
62% of the 1639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.22 vs. BYLK: 18.94 )
Ranked among companies with meaningful Net-margin (%) only.
BYLK' s Net-margin (%) Range Over the Past 10 Years
Min: -25.63  Med: 13.52 Max: 22.03
Current: 18.94
-25.63
22.03
ROE (%) 7.34
BYLK's ROE (%) is ranked lower than
58% of the 1635 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.35 vs. BYLK: 7.34 )
Ranked among companies with meaningful ROE (%) only.
BYLK' s ROE (%) Range Over the Past 10 Years
Min: -13.16  Med: 6.66 Max: 9.18
Current: 7.34
-13.16
9.18
ROA (%) 0.78
BYLK's ROA (%) is ranked lower than
57% of the 1646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. BYLK: 0.78 )
Ranked among companies with meaningful ROA (%) only.
BYLK' s ROA (%) Range Over the Past 10 Years
Min: -0.9  Med: 0.55 Max: 0.88
Current: 0.78
-0.9
0.88
Revenue Growth (3Y)(%) -1.60
BYLK's Revenue Growth (3Y)(%) is ranked lower than
72% of the 1341 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.20 vs. BYLK: -1.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
BYLK' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -7.9  Med: 2.5 Max: 90.2
Current: -1.6
-7.9
90.2
EBITDA Growth (3Y)(%) 9.30
BYLK's EBITDA Growth (3Y)(%) is ranked higher than
61% of the 1228 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.00 vs. BYLK: 9.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
BYLK' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -0.4  Med: 7.35 Max: 85.1
Current: 9.3
-0.4
85.1
EPS Growth (3Y)(%) 3.00
BYLK's EPS Growth (3Y)(%) is ranked lower than
63% of the 1206 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. BYLK: 3.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
BYLK' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -75.7  Med: 7.1 Max: 93.1
Current: 3
-75.7
93.1
» BYLK's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-10-15)


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

» Details

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Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:CVLY, NAS:PMBC, OTCBB:CZFS, NAS:PFBI, NAS:ACNB, NAS:FCFP, OTCPK:JMSB, NAS:NRIM, NAS:BWFG, NAS:CUBN, NAS:ORRF, NAS:SONA, NAS:CVCY, OTCPK:CSHX, NAS:SFST, OTCPK:EXSR, NAS:FRBK, NAS:LCNB, NAS:PVBC, NAS:UNB » details
Baylake Corp is a bank holding company. Its activities consist of holding the stock of its wholly-owned subsidiary bank, Baylake Bank, and providing a wide range of banking and related business activities through the Bank.

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. 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 20 full-service financial centers located throughout Northeast Wisconsin, in Brown, Door, Kewaunee and Outagamie Counties. It serves the 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. 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. 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 various 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. Other services and products it offers include safe deposit box services, personal and corporate trust services, brokerage services, cash management, private banking, financial planning and electronic banking services, including mobile banking, and eBanc, an Internet banking product for its customers. It is subject to the state and federal banking laws and regulations that control virtually all aspects of its operations.

Ratios

vs
industry
vs
history
P/E(ttm) 20.51
BYLK's P/E(ttm) is ranked lower than
79% of the 1503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.14 vs. BYLK: 20.51 )
Ranked among companies with meaningful P/E(ttm) only.
BYLK' s P/E(ttm) Range Over the Past 10 Years
Min: 5.04  Med: 14.28 Max: 392.86
Current: 20.51
5.04
392.86
PE(NRI) 20.51
BYLK's PE(NRI) is ranked lower than
79% of the 1505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.17 vs. BYLK: 20.51 )
Ranked among companies with meaningful PE(NRI) only.
BYLK' s PE(NRI) Range Over the Past 10 Years
Min: 5  Med: 14.45 Max: 366.67
Current: 20.51
5
366.67
Price/Owner Earnings (ttm) 16.54
BYLK's Price/Owner Earnings (ttm) is ranked lower than
68% of the 847 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.82 vs. BYLK: 16.54 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
BYLK' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 2.4  Med: 12.89 Max: 42.47
Current: 16.54
2.4
42.47
P/B 1.47
BYLK's P/B is ranked lower than
76% of the 1585 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. BYLK: 1.47 )
Ranked among companies with meaningful P/B only.
BYLK' s P/B Range Over the Past 10 Years
Min: 0.23  Med: 0.86 Max: 1.81
Current: 1.47
0.23
1.81
P/S 3.88
BYLK's P/S is ranked lower than
69% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.93 vs. BYLK: 3.88 )
Ranked among companies with meaningful P/S only.
BYLK' s P/S Range Over the Past 10 Years
Min: 0.39  Med: 1.98 Max: 3.88
Current: 3.88
0.39
3.88
PFCF 18.62
BYLK's PFCF is ranked lower than
77% of the 810 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.68 vs. BYLK: 18.62 )
Ranked among companies with meaningful PFCF only.
BYLK' s PFCF Range Over the Past 10 Years
Min: 1.14  Med: 10.22 Max: 38.99
Current: 18.62
1.14
38.99
POCF 15.03
BYLK's POCF is ranked lower than
76% of the 913 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.21 vs. BYLK: 15.03 )
Ranked among companies with meaningful POCF only.
BYLK' s POCF Range Over the Past 10 Years
Min: 1.11  Med: 7.35 Max: 25
Current: 15.03
1.11
25
EV-to-EBIT 13.30
BYLK's EV-to-EBIT is ranked lower than
52% of the 1246 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.74 vs. BYLK: 13.30 )
Ranked among companies with meaningful EV-to-EBIT only.
BYLK' s EV-to-EBIT Range Over the Past 10 Years
Min: -623.9  Med: 11.5 Max: 343
Current: 13.3
-623.9
343
EV-to-EBITDA 11.95
BYLK's EV-to-EBITDA is ranked lower than
53% of the 1246 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.33 vs. BYLK: 11.95 )
Ranked among companies with meaningful EV-to-EBITDA only.
BYLK' s EV-to-EBITDA Range Over the Past 10 Years
Min: -1400.3  Med: 10.3 Max: 60.7
Current: 11.95
-1400.3
60.7
PEG 0.55
BYLK's PEG is ranked higher than
76% of the 735 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. BYLK: 0.55 )
Ranked among companies with meaningful PEG only.
BYLK' s PEG Range Over the Past 10 Years
Min: 1.56  Med: 1.92 Max: 6.25
Current: 0.55
1.56
6.25
Shiller P/E 38.12
BYLK's Shiller P/E is ranked lower than
89% of the 493 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.48 vs. BYLK: 38.12 )
Ranked among companies with meaningful Shiller P/E only.
BYLK' s Shiller P/E Range Over the Past 10 Years
Min: 1.85  Med: 10.95 Max: 37.89
Current: 38.12
1.85
37.89

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.01
BYLK's Dividend Yield is ranked lower than
68% of the 2183 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.92 vs. BYLK: 2.01 )
Ranked among companies with meaningful Dividend Yield only.
BYLK' s Dividend Yield Range Over the Past 10 Years
Min: 0.15  Med: 2.46 Max: 7.11
Current: 2.01
0.15
7.11
Dividend Payout 0.40
BYLK's Dividend Payout is ranked lower than
62% of the 1319 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. BYLK: 0.40 )
Ranked among companies with meaningful Dividend Payout only.
BYLK' s Dividend Payout Range Over the Past 10 Years
Min: 0.1  Med: 0.4 Max: 32
Current: 0.4
0.1
32
Dividend Growth (3y) 62.00
BYLK's Dividend Growth (3y) is ranked higher than
94% of the 730 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.40 vs. BYLK: 62.00 )
Ranked among companies with meaningful Dividend Growth (3y) only.
BYLK' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: -100 Max: 75.9
Current: 62
0
75.9
Forward Dividend Yield 2.07
BYLK's Forward Dividend Yield is ranked lower than
72% of the 2080 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.09 vs. BYLK: 2.07 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.01
BYLK's Yield on cost (5-Year) is ranked lower than
72% of the 2525 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.49 vs. BYLK: 2.01 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
BYLK' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.15  Med: 2.46 Max: 7.11
Current: 2.01
0.15
7.11
3-Year Average Share Buyback Ratio -6.60
BYLK's 3-Year Average Share Buyback Ratio is ranked lower than
67% of the 1044 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. BYLK: -6.60 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
BYLK' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -6.6  Med: -0.4 Max: 0.4
Current: -6.6
-6.6
0.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.58
BYLK's Price/Tangible Book is ranked lower than
72% of the 1577 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. BYLK: 1.58 )
Ranked among companies with meaningful Price/Tangible Book only.
BYLK' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.32  Med: 1.65 Max: 4.62
Current: 1.58
0.32
4.62
Price/Projected FCF 0.73
BYLK's Price/Projected FCF is ranked lower than
56% of the 832 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. BYLK: 0.73 )
Ranked among companies with meaningful Price/Projected FCF only.
BYLK' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.19  Med: 0.6 Max: 1.11
Current: 0.73
0.19
1.11
Price/Median PS Value 1.96
BYLK's Price/Median PS Value is ranked lower than
94% of the 1483 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. BYLK: 1.96 )
Ranked among companies with meaningful Price/Median PS Value only.
BYLK' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.27  Med: 1.44 Max: 2.76
Current: 1.96
0.27
2.76
Price/Graham Number 1.20
BYLK's Price/Graham Number is ranked lower than
78% of the 1387 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. BYLK: 1.20 )
Ranked among companies with meaningful Price/Graham Number only.
BYLK' s Price/Graham Number Range Over the Past 10 Years
Min: 0.27  Med: 1.01 Max: 5.02
Current: 1.2
0.27
5.02
Earnings Yield (Greenblatt) (%) 7.50
BYLK's Earnings Yield (Greenblatt) (%) is ranked higher than
60% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.90 vs. BYLK: 7.50 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
BYLK' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.3  Med: 8.1 Max: 30.8
Current: 7.5
0.3
30.8
Forward Rate of Return (Yacktman) (%) 0.62
BYLK's Forward Rate of Return (Yacktman) (%) is ranked lower than
75% of the 851 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.77 vs. BYLK: 0.62 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
BYLK' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 2.5  Med: 16.2 Max: 45.2
Current: 0.62
2.5
45.2

More Statistics

Revenue (TTM) (Mil) $42.34
EPS (TTM) $ 0.85
Short Percentage of Float0.10%
52-Week Range $12.10 - 17.66
Shares Outstanding (Mil)9.68

Analyst Estimate

Dec16
Revenue (Mil $)
EPS ($) 1.15
EPS w/o NRI ($) 1.15
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($) 0.40
» More Articles for BYLK

Headlines

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