BAYN (Bay National) EV-to-OCF: 0.16 (As of Sep. 06, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

What is Bay National EV-to-OCF?

Bay National BAYN EV-to-OCF is 0.16 as of Sep. 06, 2026.

EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Bay National's Enterprise Value is $0.07 Mil. Bay National's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2010 was $0.44 Mil. Therefore, Bay National's EV-to-OCF for today is 0.16.

The historical rank and industry rank for Bay National's EV-to-OCF or its related term are showing as below:

BAYN's EV-to-OCF is not ranked *
in the Banks industry.
Industry Median: 4.07
* Ranked among companies with meaningful EV-to-OCF only.

EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

As of today (2026-09-06), Bay National's stock price is $0.01. Bay National's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2010 was $-8.340. Therefore, Bay National's PE Ratio (TTM) for today is At Loss.

Bay National  (OTCPK:BAYN) EV-to-OCF Explanation

EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

Bay National's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=0.01/-8.340
=At Loss

Bay National's share price for today is $0.01.
Bay National's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2010 adds up the quarterly data reported by the company within the most recent 12 months, which was $-8.340.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.

Bay National EV-to-OCF Related Terms

Bay National EV-to-OCF Historical Data

* Premium members only.

The historical data trend for Bay National's EV-to-OCF can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Bay National EV-to-OCF Chart

Bay National Annual Data
Trend Dec00 Dec01 Dec02 Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09
EV-to-OCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only -9.80 0.67 -6.05 0.82 -23.35

Bay National Quarterly Data
Jun05 Sep05 Dec05 Mar06 Jun06 Sep06 Dec06 Mar07 Jun07 Sep07 Dec07 Mar08 Jun08 Sep08 Dec08 Mar09 Jun09 Sep09 Dec09 Mar10
EV-to-OCF Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00

Bay National EV-to-OCF Calculation

Bay National's EV-to-OCF for today is calculated as:

EV-to-OCF=Enterprise Value (Today)/Cash Flow from Operations (TTM)
=0.070/0.436
=0.16

Bay National's current Enterprise Value is $0.07 Mil.
Bay National's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2010 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.44 Mil.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about EV-to-OCF →
What does a EV-to-OCF of 0.16 mean?
Bay National (BAYN) has a EV-to-OCF of 0.16 as of Sep. 06, 2026.
Is Bay National's EV-to-OCF too high?
Bay National's current EV-to-OCF is 0.16. The Banks industry median EV-to-OCF is 4.07. Bay National's value of 0.16 is 96.1% below this industry median.
How does Bay National's EV-to-OCF compare to OPHC and CCSB?
Bay National's EV-to-OCF of 0.16 can be compared against companies in the Banks industry. The industry median EV-to-OCF is 4.07. Bay National's value of 0.16 is 96.1% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 4.07, based on 1,492 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bay National's current EV-to-OCF of 0.16 is 96.1% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 4.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bay National's current EV-to-OCF is 0.16. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bay National stock overvalued right now?
Bay National (BAYN) has a current EV-to-OCF of 0.16. The current EV-to-OCF is 0.16 and 96.1% below the Banks industry median of 4.07. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Bay National (BAYN), the current EV-to-OCF is 0.16 as of Sep. 06, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Bay National Business Description

Address 2328 West Joppa Road, Lutherville, MD, USA, 21093
Bay National Corp is a bank holding company, which through National Bank, offers a complete range of commercial, private, cash management, retail, and residential mortgage banking services.