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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 0.78
BYLK's Cash to Debt is ranked lower than
61% of the 973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. BYLK: 0.78 )
Ranked among companies with meaningful Cash to Debt only.
BYLK' s 10-Year Cash to Debt Range
Min: 0.12  Med: 0.38 Max: N/A
Current: 0.78
Equity to Asset 0.11
BYLK's Equity to Asset is ranked higher than
62% of the 1290 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 10-Year Equity to Asset Range
Min: 0.07  Med: 0.07 Max: 0.11
Current: 0.11
0.07
0.11
Interest Coverage 3.67
BYLK's Interest Coverage is ranked higher than
73% of the 1205 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. BYLK: 3.67 )
Ranked among companies with meaningful Interest Coverage only.
BYLK' s 10-Year Interest Coverage Range
Min: 0.02  Med: 0.50 Max: 3.67
Current: 3.67
0.02
3.67
F-Score: 6
WACC vs ROIC
6.42%
6.69%
WACC
ROIC
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 (%) 30.09
BYLK's Operating margin (%) is ranked higher than
52% of the 1357 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.54 vs. BYLK: 30.09 )
Ranked among companies with meaningful Operating margin (%) only.
BYLK' s 10-Year Operating margin (%) Range
Min: -258.32  Med: 21.56 Max: 35.5
Current: 30.09
-258.32
35.5
Net-margin (%) 21.98
BYLK's Net-margin (%) is ranked higher than
52% of the 1356 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.24 vs. BYLK: 21.98 )
Ranked among companies with meaningful Net-margin (%) only.
BYLK' s 10-Year Net-margin (%) Range
Min: -25.63  Med: 20.82 Max: 164.04
Current: 21.98
-25.63
164.04
ROE (%) 8.95
BYLK's ROE (%) is ranked higher than
55% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.13 vs. BYLK: 8.95 )
Ranked among companies with meaningful ROE (%) only.
BYLK' s 10-Year ROE (%) Range
Min: -13.16  Med: 11.51 Max: 15.14
Current: 8.95
-13.16
15.14
ROA (%) 0.91
BYLK's ROA (%) is ranked higher than
58% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. BYLK: 0.91 )
Ranked among companies with meaningful ROA (%) only.
BYLK' s 10-Year ROA (%) Range
Min: -0.9  Med: 0.85 Max: 1.33
Current: 0.91
-0.9
1.33
ROC (Joel Greenblatt) (%) 60.89
BYLK's ROC (Joel Greenblatt) (%) is ranked lower than
56% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 74.52 vs. BYLK: 60.89 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
BYLK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -69.26  Med: 21.17 Max: 68.38
Current: 60.89
-69.26
68.38
Revenue Growth (3Y)(%) -7.80
BYLK's Revenue Growth (3Y)(%) is ranked lower than
82% of the 1149 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. BYLK: -7.80 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
BYLK' s 10-Year Revenue Growth (3Y)(%) Range
Min: -7.9  Med: 3.60 Max: 90.8
Current: -7.8
-7.9
90.8
EBITDA Growth (3Y)(%) 15.70
BYLK's EBITDA Growth (3Y)(%) is ranked higher than
73% of the 1011 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. BYLK: 15.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
BYLK' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -19  Med: 5.45 Max: 85.7
Current: 15.7
-19
85.7
EPS Growth (3Y)(%) 17.70
BYLK's EPS Growth (3Y)(%) is ranked higher than
69% of the 1020 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. BYLK: 17.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
BYLK' s 10-Year EPS Growth (3Y)(%) Range
Min: -75.7  Med: 8.30 Max: 91.3
Current: 17.7
-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) 12.90
BYLK's P/E(ttm) is ranked higher than
58% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. BYLK: 12.90 )
Ranked among companies with meaningful P/E(ttm) only.
BYLK' s 10-Year P/E(ttm) Range
Min: 5.04  Med: 13.20 Max: 392.86
Current: 12.9
5.04
392.86
Forward P/E 11.55
BYLK's Forward P/E is ranked higher than
56% of the 750 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.38 vs. BYLK: 11.55 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 13.10
BYLK's PE(NRI) is ranked higher than
57% of the 1217 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. BYLK: 13.10 )
Ranked among companies with meaningful PE(NRI) only.
BYLK' s 10-Year PE(NRI) Range
Min: 5  Med: 13.67 Max: 366.67
Current: 13.1
5
366.67
P/B 1.07
BYLK's P/B is ranked higher than
53% of the 1351 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. BYLK: 1.07 )
Ranked among companies with meaningful P/B only.
BYLK' s 10-Year P/B Range
Min: 0.23  Med: 0.88 Max: 1.88
Current: 1.07
0.23
1.88
P/S 2.91
BYLK's P/S is ranked higher than
51% of the 1422 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.99 vs. BYLK: 2.91 )
Ranked among companies with meaningful P/S only.
BYLK' s 10-Year P/S Range
Min: 0.39  Med: 2.06 Max: 3.37
Current: 2.91
0.39
3.37
PFCF 16.57
BYLK's PFCF is ranked lower than
68% of the 825 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.60 vs. BYLK: 16.57 )
Ranked among companies with meaningful PFCF only.
BYLK' s 10-Year PFCF Range
Min: 1.14  Med: 10.26 Max: 37.5
Current: 16.57
1.14
37.5
POCF 14.81
BYLK's POCF is ranked lower than
71% of the 930 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.17 vs. BYLK: 14.81 )
Ranked among companies with meaningful POCF only.
BYLK' s 10-Year POCF Range
Min: 1.11  Med: 7.93 Max: 25
Current: 14.81
1.11
25
EV-to-EBIT 10.59
BYLK's EV-to-EBIT is ranked higher than
69% of the 1366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. BYLK: 10.59 )
Ranked among companies with meaningful EV-to-EBIT only.
BYLK' s 10-Year EV-to-EBIT Range
Min: -623.9  Med: 12.10 Max: 343
Current: 10.59
-623.9
343
PEG 0.49
BYLK's PEG is ranked higher than
81% of the 542 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. BYLK: 0.49 )
Ranked among companies with meaningful PEG only.
BYLK' s 10-Year PEG Range
Min: 0.79  Med: 1.55 Max: 73.24
Current: 0.49
0.79
73.24
Shiller P/E 19.04
BYLK's Shiller P/E is ranked lower than
57% of the 771 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.62 vs. BYLK: 19.04 )
Ranked among companies with meaningful Shiller P/E only.
BYLK' s 10-Year Shiller P/E Range
Min: 3.17  Med: 14.96 Max: 67.14
Current: 19.04
3.17
67.14
Days Sales Outstanding 26.17
BYLK's Days Sales Outstanding is ranked higher than
67% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 35.19 vs. BYLK: 26.17 )
Ranked among companies with meaningful Days Sales Outstanding only.
BYLK' s 10-Year Days Sales Outstanding Range
Min: 21.72  Med: 43.36 Max: 355.73
Current: 26.17
21.72
355.73

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.54
BYLK's Dividend Yield is ranked lower than
51% of the 2112 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.57 vs. BYLK: 2.54 )
Ranked among companies with meaningful Dividend Yield only.
BYLK' s 10-Year Dividend Yield Range
Min: 0.15  Med: 3.20 Max: 7.11
Current: 2.54
0.15
7.11
Dividend Payout 0.33
BYLK's Dividend Payout is ranked higher than
50% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.24 vs. BYLK: 0.33 )
Ranked among companies with meaningful Dividend Payout only.
BYLK' s 10-Year Dividend Payout Range
Min: 0.07  Med: 0.42 Max: 1.67
Current: 0.33
0.07
1.67
Yield on cost (5-Year) 2.54
BYLK's Yield on cost (5-Year) is ranked lower than
57% of the 2110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.91 vs. BYLK: 2.54 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
BYLK' s 10-Year Yield on cost (5-Year) Range
Min: 0.15  Med: 3.20 Max: 7.11
Current: 2.54
0.15
7.11
Share Buyback Rate -6.60
BYLK's Share Buyback Rate is ranked lower than
73% of the 931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.50 vs. BYLK: -6.60 )
Ranked among companies with meaningful Share Buyback Rate only.
BYLK' s 10-Year Share Buyback Rate Range
Min: 1.6  Med: -0.70 Max: -7.6
Current: -6.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.15
BYLK's Price/Tangible Book is ranked higher than
51% of the 1331 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. BYLK: 1.15 )
Ranked among companies with meaningful Price/Tangible Book only.
BYLK' s 10-Year Price/Tangible Book Range
Min: 0.25  Med: 1.42 Max: 3.89
Current: 1.15
0.25
3.89
Price/Projected FCF 0.57
BYLK's Price/Projected FCF is ranked higher than
63% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. BYLK: 0.57 )
Ranked among companies with meaningful Price/Projected FCF only.
BYLK' s 10-Year Price/Projected FCF Range
Min: 0.12  Med: 0.55 Max: 1
Current: 0.57
0.12
1
Price/Median PS Value 1.42
BYLK's Price/Median PS Value is ranked lower than
74% of the 1286 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. BYLK: 1.42 )
Ranked among companies with meaningful Price/Median PS Value only.
BYLK' s 10-Year Price/Median PS Value Range
Min: 0.19  Med: 1.34 Max: 11.26
Current: 1.42
0.19
11.26
Price/Graham Number 0.81
BYLK's Price/Graham Number is ranked higher than
58% of the 1154 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. BYLK: 0.81 )
Ranked among companies with meaningful Price/Graham Number only.
BYLK' s 10-Year Price/Graham Number Range
Min: 0.27  Med: 0.96 Max: 4.88
Current: 0.81
0.27
4.88
Earnings Yield (Greenblatt) (%) 9.40
BYLK's Earnings Yield (Greenblatt) (%) is ranked higher than
72% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. BYLK: 9.40 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
BYLK' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.3  Med: 6.70 Max: 30.8
Current: 9.4
0.3
30.8
Forward Rate of Return (Yacktman) (%) 4.56
BYLK's Forward Rate of Return (Yacktman) (%) is ranked lower than
70% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. BYLK: 4.56 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
BYLK' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 3.7  Med: 17.70 Max: 45.2
Current: 4.56
3.7
45.2

Business Description

Industry: Banks » Banks - Regional - US
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. 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.

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