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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 : 5/10

vs
industry
vs
history
Cash-to-Debt 0.49
BAYK's Cash-to-Debt is ranked lower than
86% of the 1613 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.09 vs. BAYK: 0.49 )
Ranked among companies with meaningful Cash-to-Debt only.
BAYK' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.17  Med: 0.73 Max: No Debt
Current: 0.49
Equity-to-Asset 0.10
BAYK's Equity-to-Asset is ranked lower than
93% of the 1580 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. BAYK: 0.10 )
Ranked among companies with meaningful Equity-to-Asset only.
BAYK' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.09 Max: 0.12
Current: 0.1
0.08
0.12
Debt-to-Equity 0.91
BAYK's Debt-to-Equity is ranked lower than
92% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. BAYK: 0.91 )
Ranked among companies with meaningful Debt-to-Equity only.
BAYK' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.29  Med: 0.9 Max: 1.61
Current: 0.91
0.29
1.61
Interest Coverage 0.62
BAYK's Interest Coverage is ranked lower than
76% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.74 vs. BAYK: 0.62 )
Ranked among companies with meaningful Interest Coverage only.
BAYK' s Interest Coverage Range Over the Past 10 Years
Min: 0.06  Med: 0.26 Max: 1.09
Current: 0.62
0.06
1.09
Beneish M-Score: -1.71
WACC vs ROIC
5.12%
2.32%
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 : 3/10

vs
industry
vs
history
Operating Margin % 10.93
BAYK's Operating Margin % is ranked lower than
86% of the 1618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.66 vs. BAYK: 10.93 )
Ranked among companies with meaningful Operating Margin % only.
BAYK' s Operating Margin % Range Over the Past 10 Years
Min: -3.92  Med: 8.33 Max: 18.41
Current: 10.93
-3.92
18.41
Net Margin % 7.70
BAYK's Net Margin % is ranked lower than
86% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.82 vs. BAYK: 7.70 )
Ranked among companies with meaningful Net Margin % only.
BAYK' s Net Margin % Range Over the Past 10 Years
Min: -0.75  Med: 6.32 Max: 13.33
Current: 7.7
-0.75
13.33
ROE % 3.60
BAYK's ROE % is ranked lower than
77% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.56 vs. BAYK: 3.60 )
Ranked among companies with meaningful ROE % only.
BAYK' s ROE % Range Over the Past 10 Years
Min: -0.39  Med: 2.74 Max: 6.77
Current: 3.6
-0.39
6.77
ROA % 0.32
BAYK's ROA % is ranked lower than
79% of the 1624 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. BAYK: 0.32 )
Ranked among companies with meaningful ROA % only.
BAYK' s ROA % Range Over the Past 10 Years
Min: -0.03  Med: 0.29 Max: 0.57
Current: 0.32
-0.03
0.57
3-Year Revenue Growth Rate 7.60
BAYK's 3-Year Revenue Growth Rate is ranked higher than
67% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. BAYK: 7.60 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
BAYK' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -15.5  Med: -0.3 Max: 7.6
Current: 7.6
-15.5
7.6
3-Year EBITDA Growth Rate 24.40
BAYK's 3-Year EBITDA Growth Rate is ranked higher than
85% of the 1281 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.90 vs. BAYK: 24.40 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
BAYK' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -54.9  Med: 2 Max: 62.7
Current: 24.4
-54.9
62.7
3-Year EPS without NRI Growth Rate 28.50
BAYK's 3-Year EPS without NRI Growth Rate is ranked higher than
86% of the 1241 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. BAYK: 28.50 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
BAYK' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -41.6  Med: 2.6 Max: 43
Current: 28.5
-41.6
43
GuruFocus has detected 5 Warning Signs with Bay Banks of Virginia Inc $BAYK.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» BAYK's 30-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:SAL, NAS:MPB, OTCPK:FNCB, NAS:FSFG, NAS:OVLY, NAS:AUBN, OTCPK:KTYB, NAS:ACFC, NAS:RBPAA, NAS:HWBK, OTCPK:HLAN, OTCPK:FOFN, NAS:CIZN, OTCPK:FNRN, OTCPK:PUGB, NAS:CBAN, OTCPK:PBAM, OTCPK:STND, NAS:MBCN, NAS:FCCO » details
Headquarter Location:USA
Bay Banks of Virginia Inc is a bank holding company that conducts substantially all of its operations through its subsidiaries. It provides financial services, including retail and commercial banking, investment services, and mortgage banking.

Bay Banks of Virginia Inc is a bank holding company. It conducts substantially all its operations through its subsidiaries, Bank of Lancaster and Bay Trust Company. The bank is a state-chartered bank. It serves businesses, professionals, and consumers with a wide variety of financial services, including retail and commercial banking, investment services, and mortgage banking. Its products include checking accounts, savings accounts, money market accounts, amongst others. The trust company provides management services for personal and corporate trusts, including estate planning, estate settlement, and trust administration. Its products include testamentary trusts, custodial accounts, investment management accounts, as well as self-directed rollover Individual Retirement Accounts.

Ratios

vs
industry
vs
history
PE Ratio 29.53
BAYK's PE Ratio is ranked lower than
84% of the 1505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.59 vs. BAYK: 29.53 )
Ranked among companies with meaningful PE Ratio only.
BAYK' s PE Ratio Range Over the Past 10 Years
Min: 10.52  Med: 18.08 Max: 74.63
Current: 29.53
10.52
74.63
Forward PE Ratio 11.72
BAYK's Forward PE Ratio is ranked lower than
58% of the 382 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.05 vs. BAYK: 11.72 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 29.53
BAYK's PE Ratio without NRI is ranked lower than
84% of the 1504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.62 vs. BAYK: 29.53 )
Ranked among companies with meaningful PE Ratio without NRI only.
BAYK' s PE Ratio without NRI Range Over the Past 10 Years
Min: 10.55  Med: 18.02 Max: 74.63
Current: 29.53
10.55
74.63
Price-to-Owner-Earnings 34.62
BAYK's Price-to-Owner-Earnings is ranked lower than
73% of the 881 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.23 vs. BAYK: 34.62 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
BAYK' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 11.76  Med: 19.98 Max: 1000
Current: 34.62
11.76
1000
PB Ratio 1.04
BAYK's PB Ratio is ranked lower than
82% of the 1581 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. BAYK: 1.04 )
Ranked among companies with meaningful PB Ratio only.
BAYK' s PB Ratio Range Over the Past 10 Years
Min: 0.26  Med: 0.68 Max: 1.37
Current: 1.04
0.26
1.37
PS Ratio 2.36
BAYK's PS Ratio is ranked higher than
71% of the 1567 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.43 vs. BAYK: 2.36 )
Ranked among companies with meaningful PS Ratio only.
BAYK' s PS Ratio Range Over the Past 10 Years
Min: 0.57  Med: 1.64 Max: 2.6
Current: 2.36
0.57
2.6
Price-to-Free-Cash-Flow 13.35
BAYK's Price-to-Free-Cash-Flow is ranked higher than
53% of the 856 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.60 vs. BAYK: 13.35 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
BAYK' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 3  Med: 11.2 Max: 580
Current: 13.35
3
580
Price-to-Operating-Cash-Flow 11.01
BAYK's Price-to-Operating-Cash-Flow is ranked higher than
53% of the 931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.46 vs. BAYK: 11.01 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
BAYK' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 2.85  Med: 7.34 Max: 41.34
Current: 11.01
2.85
41.34
EV-to-EBIT 63.95
BAYK's EV-to-EBIT is ranked lower than
93% of the 1241 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.20 vs. BAYK: 63.95 )
Ranked among companies with meaningful EV-to-EBIT only.
BAYK' s EV-to-EBIT Range Over the Past 10 Years
Min: -50.7  Med: 20.05 Max: 275.9
Current: 63.95
-50.7
275.9
EV-to-EBITDA 41.32
BAYK's EV-to-EBITDA is ranked lower than
91% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.98 vs. BAYK: 41.32 )
Ranked among companies with meaningful EV-to-EBITDA only.
BAYK' s EV-to-EBITDA Range Over the Past 10 Years
Min: -7.8  Med: 14.7 Max: 109.6
Current: 41.32
-7.8
109.6
EV-to-Revenue 6.99
BAYK's EV-to-Revenue is ranked lower than
77% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.86 vs. BAYK: 6.99 )
Ranked among companies with meaningful EV-to-Revenue only.
BAYK' s EV-to-Revenue Range Over the Past 10 Years
Min: -0.9  Med: 2.3 Max: 5.5
Current: 6.99
-0.9
5.5
PEG Ratio 7.43
BAYK's PEG Ratio is ranked lower than
89% of the 821 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.45 vs. BAYK: 7.43 )
Ranked among companies with meaningful PEG Ratio only.
BAYK' s PEG Ratio Range Over the Past 10 Years
Min: 0.46  Med: 5.58 Max: 170.47
Current: 7.43
0.46
170.47
Shiller PE Ratio 31.87
BAYK's Shiller PE Ratio is ranked lower than
75% of the 501 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.54 vs. BAYK: 31.87 )
Ranked among companies with meaningful Shiller PE Ratio only.
BAYK' s Shiller PE Ratio Range Over the Past 10 Years
Min: 4.49  Med: 11 Max: 32.17
Current: 31.87
4.49
32.17

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 0.42
BAYK's Dividend Yield % is ranked lower than
99.99% of the 2354 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. BAYK: 0.42 )
Ranked among companies with meaningful Dividend Yield % only.
BAYK' s Dividend Yield % Range Over the Past 10 Years
Min: 0.41  Med: 4.81 Max: 9.71
Current: 0.42
0.41
9.71
Dividend Payout Ratio 0.11
BAYK's Dividend Payout Ratio is ranked lower than
99.99% of the 1340 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. BAYK: 0.11 )
Ranked among companies with meaningful Dividend Payout Ratio only.
BAYK' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.11  Med: 0.96 Max: 1.05
Current: 0.11
0.11
1.05
Forward Dividend Yield % 1.68
BAYK's Forward Dividend Yield % is ranked lower than
99.99% of the 2231 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.85 vs. BAYK: 1.68 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 0.42
BAYK's 5-Year Yield-on-Cost % is ranked lower than
100% of the 2778 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.98 vs. BAYK: 0.42 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
BAYK' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.41  Med: 4.81 Max: 9.71
Current: 0.42
0.41
9.71
3-Year Average Share Buyback Ratio 0.30
BAYK's 3-Year Average Share Buyback Ratio is ranked higher than
81% of the 1065 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. BAYK: 0.30 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
BAYK' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -22.7  Med: -0.5 Max: 0.3
Current: 0.3
-22.7
0.3

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.25
BAYK's Price-to-Tangible-Book is ranked lower than
83% of the 1573 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.29 vs. BAYK: 1.25 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
BAYK' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.32  Med: 0.81 Max: 1.81
Current: 1.25
0.32
1.81
Price-to-Intrinsic-Value-Projected-FCF 0.95
BAYK's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
72% of the 896 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.79 vs. BAYK: 0.95 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
BAYK' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.24  Med: 0.52 Max: 0.96
Current: 0.95
0.24
0.96
Price-to-Median-PS-Value 1.43
BAYK's Price-to-Median-PS-Value is ranked lower than
73% of the 1527 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. BAYK: 1.43 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
BAYK' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.38  Med: 1.07 Max: 2.06
Current: 1.43
0.38
2.06
Price-to-Graham-Number 1.28
BAYK's Price-to-Graham-Number is ranked lower than
86% of the 1414 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. BAYK: 1.28 )
Ranked among companies with meaningful Price-to-Graham-Number only.
BAYK' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.59  Med: 0.92 Max: 1.56
Current: 1.28
0.59
1.56
Earnings Yield (Greenblatt) % 1.57
BAYK's Earnings Yield (Greenblatt) % is ranked lower than
71% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.91 vs. BAYK: 1.57 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
BAYK' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -88.1  Med: 4.7 Max: 115.8
Current: 1.57
-88.1
115.8
Forward Rate of Return (Yacktman) % 7.58
BAYK's Forward Rate of Return (Yacktman) % is ranked lower than
60% of the 934 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.21 vs. BAYK: 7.58 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
BAYK' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -31.6  Med: 7.3 Max: 43.5
Current: 7.58
-31.6
43.5

More Statistics

Revenue (TTM) (Mil) $23.43
EPS (TTM) $ 0.32
Beta0.14
Short Percentage of Float0.00%
52-Week Range $6.05 - 9.70
Shares Outstanding (Mil)13.18

Analyst Estimate

Dec17 Dec18
Revenue (Mil $)
EPS ($) 0.55 0.81
EPS without NRI ($) 0.55 0.81
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 0.12 0.16
» More Articles for BAYK

Headlines

Articles On GuruFocus.com
Bay Banks of Virginia, Inc. Completes $35 Million Private Placement Aug 31 2017 
Virginia Commonwealth Bank Welcomes Jim Sedlar Aug 22 2017 
VCB Financial Group Welcomes Angela Brown Aug 09 2017 
Pamela M. Comstock Is Elected to VCB Financial Group's Board of Directors Jul 21 2017 
Virginia Commonwealth Bank Welcomes Mark Herndon To Its Richmond Community Board Jul 11 2017 
Bay Banks of Virginia names Randy Reynolds to its Trust and Wealth Management subsidiary, VCB Financ Jun 16 2017 
Virginia Commonwealth Bank Announces Promotion Jun 02 2017 
Bay Banks of Virginia Reports 1st Quarter 2017 Results Apr 28 2017 
Virginia Commonwealth Bank Welcomes Del Ward as Senior Vice President, Commercial Banking Apr 18 2017 
Virginia Commonwealth Bank and Bank of Lancaster Complete Merger Apr 03 2017 

More From Other Websites
Bay Banks of Virginia, Inc. :BAYK-US: Earnings Analysis: Q2, 2017 By the Numbers : September 19,... Sep 19 2017
Bay Banks of Virginia, Inc. Completes $35 Million Private Placement Aug 31 2017
Virginia Commonwealth Bank Welcomes Jim Sedlar Aug 22 2017
VCB Financial Group Welcomes Angela Brown Aug 09 2017
Bay Banks of Virginia, Inc. Reports June 30, 2017 Quarterly Operating Results Jul 26 2017
Pamela M. Comstock Is Elected to VCB Financial Group's Board of Directors Jul 21 2017
Virginia Commonwealth Bank Welcomes Mark Herndon To Its Richmond Community Board Jul 11 2017
Bay Banks Of Virginia Announces Second Quarter 2017 Dividend Jun 30 2017
Bay Banks of Virginia, Inc. : Undervalued relative to peers, but don’t ignore the other factors Jun 27 2017
Bay Banks of Virginia names Randy Reynolds to its Trust and Wealth Management subsidiary, VCB... Jun 16 2017
Virginia Commonwealth Bank Announces Promotion Jun 02 2017
Bay Banks of Virginia, Inc. :BAYK-US: Earnings Analysis: Q1, 2017 By the Numbers : June 1, 2017 Jun 01 2017
Virginia Commonwealth Bank Welcomes Bill Bien As Senior Vice President, Commercial Banking May 19 2017
Bay Banks of Virginia Reports 1st Quarter 2017 Results Apr 28 2017
Virginia Commonwealth Bank Welcomes Del Ward as Senior Vice President, Commercial Banking Apr 18 2017
Virginia Commonwealth Bank and Bank of Lancaster Complete Merger Apr 03 2017
Eric Nost, a top Virginia wealth advisor, joins Bay Trust and Wealth Management Group Mar 21 2017
Shareholders Approve Bay Banks of Virginia, Inc. Merger With Virginia BanCorp, Inc. Mar 17 2017
Bay Banks of Virginia, Inc. :BAYK-US: Earnings Analysis: Q4, 2016 By the Numbers : February 1, 2017 Feb 01 2017
Top Richmond banker, Gary Armstrong, joins Bank of Lancaster Jan 31 2017

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