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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 0.70
BYLK's Cash to Debt is ranked higher than
70% of the 1566 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. BYLK: 0.70 )
BYLK' s 10-Year Cash to Debt Range
Min: 0.12   Max: No Debt
Current: 0.7

Equity to Asset 0.10
BYLK's Equity to Asset is ranked higher than
73% of the 2010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 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 higher than
79% of the 1837 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 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: 0.24
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 (%) 31.50
BYLK's Operating margin (%) is ranked higher than
78% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.33 vs. BYLK: 31.50 )
BYLK' s 10-Year Operating margin (%) Range
Min: -258.32   Max: 35.5
Current: 31.5

-258.32
35.5
Net-margin (%) 22.33
BYLK's Net-margin (%) is ranked higher than
76% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.41 vs. BYLK: 22.33 )
BYLK' s 10-Year Net-margin (%) Range
Min: -25.63   Max: 164.04
Current: 22.33

-25.63
164.04
ROE (%) 9.38
BYLK's ROE (%) is ranked higher than
78% of the 2031 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.59 vs. BYLK: 9.38 )
BYLK' s 10-Year ROE (%) Range
Min: -13.16   Max: 15.14
Current: 9.38

-13.16
15.14
ROA (%) 0.91
BYLK's ROA (%) is ranked higher than
78% of the 2034 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. BYLK: 0.91 )
BYLK' s 10-Year ROA (%) Range
Min: -0.9   Max: 1.33
Current: 0.91

-0.9
1.33
ROC (Joel Greenblatt) (%) 62.35
BYLK's ROC (Joel Greenblatt) (%) is ranked higher than
72% of the 2003 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.89 vs. BYLK: 62.35 )
BYLK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -69.26   Max: 68.38
Current: 62.35

-69.26
68.38
Revenue Growth (3Y)(%) -7.90
BYLK's Revenue Growth (3Y)(%) is ranked higher than
58% of the 1740 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. BYLK: -7.90 )
BYLK' s 10-Year Revenue Growth (3Y)(%) Range
Min: -7.9   Max: 90.8
Current: -7.9

-7.9
90.8
EBITDA Growth (3Y)(%) 85.70
BYLK's EBITDA Growth (3Y)(%) is ranked higher than
99% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. BYLK: 85.70 )
BYLK' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -19   Max: 85.7
Current: 85.7

-19
85.7
EPS Growth (3Y)(%) 79.50
BYLK's EPS Growth (3Y)(%) is ranked higher than
98% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. BYLK: 79.50 )
BYLK' s 10-Year EPS Growth (3Y)(%) 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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Latest Guru Trades with BYLK

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Ratios

vs
industry
vs
history
P/E(ttm) 12.90
BYLK's P/E(ttm) is ranked higher than
84% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. BYLK: 12.90 )
BYLK' s 10-Year P/E(ttm) Range
Min: 5.04   Max: 392.86
Current: 12.9

5.04
392.86
P/B 1.06
BYLK's P/B is ranked higher than
80% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. BYLK: 1.06 )
BYLK' s 10-Year P/B Range
Min: 0.23   Max: 1.88
Current: 1.06

0.23
1.88
P/S 3.00
BYLK's P/S is ranked higher than
78% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. BYLK: 3.00 )
BYLK' s 10-Year P/S Range
Min: 0.39   Max: 3.37
Current: 3

0.39
3.37
PFCF 11.57
BYLK's PFCF is ranked higher than
84% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. BYLK: 11.57 )
BYLK' s 10-Year PFCF Range
Min: 1.14   Max: 37.5
Current: 11.57

1.14
37.5
EV-to-EBIT 10.74
BYLK's EV-to-EBIT is ranked higher than
86% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.47 vs. BYLK: 10.74 )
BYLK' s 10-Year EV-to-EBIT Range
Min: -623.9   Max: 343
Current: 10.74

-623.9
343
PEG 0.47
BYLK's PEG is ranked higher than
96% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. BYLK: 0.47 )
BYLK' s 10-Year PEG Range
Min: 0.79   Max: 73.24
Current: 0.47

0.79
73.24
Shiller P/E 31.32
BYLK's Shiller P/E is ranked higher than
80% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. BYLK: 31.32 )
BYLK' s 10-Year Shiller P/E Range
Min: 3.17   Max: 67.14
Current: 31.32

3.17
67.14

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.40
BYLK's Dividend Yield is ranked higher than
52% of the 1876 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.32 vs. BYLK: 2.40 )
BYLK' s 10-Year Dividend Yield Range
Min: 0.15   Max: 7.11
Current: 2.4

0.15
7.11
Dividend Payout 0.31
BYLK's Dividend Payout is ranked higher than
77% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.61 vs. BYLK: 0.31 )
BYLK' s 10-Year Dividend Payout Range
Min: 0.07   Max: 1.67
Current: 0.31

0.07
1.67
Yield on cost (5-Year) 2.40
BYLK's Yield on cost (5-Year) is ranked lower than
51% of the 1889 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.53 vs. BYLK: 2.40 )
BYLK' s 10-Year Yield on cost (5-Year) Range
Min: 0.15   Max: 7.11
Current: 2.4

0.15
7.11
Share Buyback Rate -7.60
BYLK's Share Buyback Rate is ranked higher than
61% of the 1472 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 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 1.14
BYLK's Price/Tangible Book is ranked higher than
81% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.58 vs. BYLK: 1.14 )
BYLK' s 10-Year Price/Tangible Book Range
Min: 0.25   Max: 3.89
Current: 1.14

0.25
3.89
Price/DCF (Projected) 0.60
BYLK's Price/DCF (Projected) is ranked higher than
87% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.09 vs. BYLK: 0.60 )
BYLK' s 10-Year Price/DCF (Projected) Range
Min: 0.12   Max: 0.94
Current: 0.6

0.12
0.94
Price/Median PS Value 1.35
BYLK's Price/Median PS Value is ranked higher than
68% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.21 vs. BYLK: 1.35 )
BYLK' s 10-Year Price/Median PS Value Range
Min: 0.17   Max: 10.39
Current: 1.35

0.17
10.39
Price/Graham Number 0.78
BYLK's Price/Graham Number is ranked higher than
86% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. BYLK: 0.78 )
BYLK' s 10-Year Price/Graham Number Range
Min: 0.27   Max: 4.88
Current: 0.78

0.27
4.88
Earnings Yield (Greenblatt) 9.30
BYLK's Earnings Yield (Greenblatt) is ranked higher than
84% of the 1996 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. BYLK: 9.30 )
BYLK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.3   Max: 30.8
Current: 9.3

0.3
30.8
Forward Rate of Return (Yacktman) 4.64
BYLK's Forward Rate of Return (Yacktman) is ranked higher than
61% of the 1246 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.25 vs. BYLK: 4.64 )
BYLK' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 3.7   Max: 45.2
Current: 4.64

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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