OTCMKTS:BAYK - Bay Banks of Virginia Stock Price, Price Target & More

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$9.90 -0.10 (-1.00 %)

(As of 05/25/2018 04:00 PM ET)

Previous Close$9.90

Today's Range$9.90 - $10.00

52-Week Range$8.80 - $10.85

Volume1,100 shs

Average Volume5,606 shs

Market Capitalization$132.26 million

P/E Ratio61.88

Dividend Yield1.20%

Beta0.26

About Bay Banks of Virginia (OTCMKTS:BAYK)

Bay Banks of Virginia, Inc., through its subsidiaries, provides various banking products and services to businesses, professionals, and consumers in Virginia. The company accepts checking accounts, savings accounts, money market accounts, cash management accounts, certificates of deposit, and individual retirement accounts. Its loan products include commercial and industrial loans, such as small business loans, asset based loans, and other secured and unsecured loans and lines of credit; residential and commercial mortgages; home equity loans; consumer installment loans; and consumer loans comprising automobile and boat financing, home improvement loans, and unsecured personal loans. It also offers credit cards; investment accounts; and insurance, online banking, telephone banking, mobile banking, analysis checking, cash management deposit, wire, direct deposit payroll, and remote deposit services, as well as a line of commercial lending options. In addition, the company offers management services, including estate planning and settlement, revocable and irrevocable living trusts, testamentary trusts, custodial accounts, investment management accounts, and managed and self-directed rollover individual retirement accounts for personal and corporate trusts. As of March 28, 2018, it operated 18 banking offices in the Richmond market area, the Northern Neck region, Tri-Cities area of Petersburg, Hopewell and Colonial Heights, Middlesex County, and Suffolk. Bay Banks of Virginia, Inc. was founded in 1930 and is headquartered in Richmond, Virginia.

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Industry, Sector and Symbol

Industry State commercial banks

Sub-IndustryN/A

SectorFinance

SymbolOTCMKTS:BAYK

CUSIPN/A

Webwww.baybanks.com

Phone804-325-3775

Debt

Debt-to-Equity Ratio0.58

Current Ratio1.06

Quick Ratio1.06

Price-To-Earnings

Trailing P/E Ratio61.88

Forward P/E Ratio18.33

P/E GrowthN/A

Sales & Book Value

Annual Sales$37.38 million

Price / Sales3.50

Cash Flow$0.2695 per share

Price / Cash36.73

Book Value$8.69 per share

Price / Book1.14

Profitability

EPS (Most Recent Fiscal Year)$0.16

Net Income$-1,270,000.00

Net Margins0.82%

Return on Equity2.18%

Return on Assets0.25%

Miscellaneous

Employees168

Outstanding Shares13,230,000

Bay Banks of Virginia (OTCMKTS:BAYK) Frequently Asked Questions

What is Bay Banks of Virginia's stock symbol?

Bay Banks of Virginia trades on the OTCMKTS under the ticker symbol "BAYK."

How often does Bay Banks of Virginia pay dividends? What is the dividend yield for Bay Banks of Virginia?

Bay Banks of Virginia declared a quarterly dividend on Friday, December 8th. Investors of record on Friday, December 22nd will be given a dividend of $0.04 per share on Friday, December 29th. This represents a $0.16 annualized dividend and a yield of 1.62%. The ex-dividend date of this dividend is Thursday, December 21st. View Bay Banks of Virginia's Dividend History.

How were Bay Banks of Virginia's earnings last quarter?

Bay Banks of Virginia Inc (OTCMKTS:BAYK) announced its earnings results on Monday, March, 26th. The financial services provider reported ($0.07) EPS for the quarter. The financial services provider had revenue of $9.18 million for the quarter, compared to the consensus estimate of $9.15 million. Bay Banks of Virginia had a return on equity of 2.18% and a net margin of 0.82%. View Bay Banks of Virginia's Earnings History.

When is Bay Banks of Virginia's next earnings date?

Bay Banks of Virginia is scheduled to release their next quarterly earnings announcement on Wednesday, July, 25th 2018. View Earnings Estimates for Bay Banks of Virginia.

Who are some of Bay Banks of Virginia's key competitors?

Some companies that are related to Bay Banks of Virginia include Franklin Financial Network (FSB), Republic First Bancorp (FRBK), RBB Bancorp (RBB), First Mid-Illinois Bancshares (FMBH), CNB Financial (CCNE), Old Second Bancorp (OSBC), Enterprise Bancorp (EBTC), Hingham Institution for Savings (HIFS), Century BanCorp (CNBKA), Farmers National Banc (FMNB), Sierra Bancorp (BSRR), Metropolitan Bank (MCB), MidWestOne Financial Group (MOFG), Southern National Bancorp of Virginia (SONA) and West Bancorporation (WTBA).

Who are Bay Banks of Virginia's key executives?

Bay Banks of Virginia's management team includes the folowing people:

Mr. Randal R. Greene, Vice Chairman, Pres & CEO (Age 58)
Mr. Douglas F. Jenkins Jr., Exec. VP (Age 58)
Ms. Judy C. Gavant CPA, Exec. VP & CFO (Age 58)
Ms. Peggy G. George, VP & Human Resource Officer
Ms. Deborah M. Evans, Sr. VP (Age 55)

Has Bay Banks of Virginia been receiving favorable news coverage?

Press coverage about BAYK stock has been trending somewhat positive recently, according to Accern Sentiment. Accern identifies positive and negative news coverage by monitoring more than 20 million news and blog sources. Accern ranks coverage of publicly-traded companies on a scale of negative one to one, with scores nearest to one being the most favorable. Bay Banks of Virginia earned a news impact score of 0.05 on Accern's scale. They also gave headlines about the financial services provider an impact score of 47.17 out of 100, meaning that recent news coverage is somewhat unlikely to have an impact on the stock's share price in the near term.

How do I buy shares of Bay Banks of Virginia?

Shares of BAYK can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Vanguard Brokerage Services, TD Ameritrade, E*TRADE, Scottrade, Fidelity and Charles Schwab.

What is Bay Banks of Virginia's stock price today?

One share of BAYK stock can currently be purchased for approximately $9.90.

How big of a company is Bay Banks of Virginia?

Bay Banks of Virginia has a market capitalization of $132.26 million and generates $37.38 million in revenue each year. The financial services provider earns $-1,270,000.00 in net income (profit) each year or $0.16 on an earnings per share basis. Bay Banks of Virginia employs 168 workers across the globe.

How can I contact Bay Banks of Virginia?

Bay Banks of Virginia's mailing address is 1801 Bayberry Court, Richmond VA, 23226. The financial services provider can be reached via phone at 804-325-3775 or via email at [email protected]

MarketBeat Community Rating for Bay Banks of Virginia (BAYK)

Community Ranking:		2.7 out of 5 ( )
Outperform Votes:		44 (Vote Outperform)
Underperform Votes:		38 (Vote Underperform)
Total Votes:		82

MarketBeat's community ratings are surveys of what our community members think about Bay Banks of Virginia and other stocks. Vote "Outperform" if you believe BAYK will outperform the S&P 500 over the long term. Vote "Underperform" if you believe BAYK will underperform the S&P 500 over the long term. You may vote once every thirty days.

Bay Banks of Virginia (OTCMKTS:BAYK) Price Target and Consensus Rating

(How are Consensus Ratings Calculated?)

	Today	30 Days Ago	90 Days Ago	180 Days Ago
Consensus Rating:	N/A	N/A	Buy	Buy
Consensus Rating Score:	N/A	N/A	3.00	3.00
Ratings Breakdown:	0 Sell Rating(s) 0 Hold Rating(s) 0 Buy Rating(s) 0 Strong Buy Rating(s)	0 Sell Rating(s) 0 Hold Rating(s) 0 Buy Rating(s) 0 Strong Buy Rating(s)	0 Sell Rating(s) 0 Hold Rating(s) 1 Buy Rating(s) 0 Strong Buy Rating(s)	0 Sell Rating(s) 0 Hold Rating(s) 1 Buy Rating(s) 0 Strong Buy Rating(s)
Consensus Price Target:	N/A	N/A	N/A	N/A
Price Target Upside:	N/A	N/A	N/A	N/A

Bay Banks of Virginia (OTCMKTS:BAYK) Consensus Price Target History

Price Target History for Bay Banks of Virginia (OTCMKTS:BAYK)

Bay Banks of Virginia (OTCMKTS:BAYK) Analyst Ratings History

Show:

Date	Brokerage	Action	Rating	Price Target	Details
3/14/2017	FIG Partners	Reiterated Rating	Outperform

(Data available from 5/26/2016 forward)

Bay Banks of Virginia (OTCMKTS:BAYK) Earnings History and Estimates Chart

Earnings by Quarter for Bay Banks of Virginia (OTCMKTS:BAYK)

Bay Banks of Virginia (OTCMKTS:BAYK) Earnings Estimates

2018 EPS Consensus Estimate: $0.45
2019 EPS Consensus Estimate: $0.69

Quarter	Number of Estimates	Low Estimate	High Estimate	Average Estimate
Q2 2018	1	$0.14	$0.14	$0.14
Q3 2018	1	$0.15	$0.15	$0.15
Q4 2018	1	$0.16	$0.16	$0.16
Q1 2019	1	$0.15	$0.15	$0.15
Q2 2019	1	$0.17	$0.17	$0.17
Q3 2019	1	$0.18	$0.18	$0.18
Q4 2019	1	$0.19	$0.19	$0.19

Bay Banks of Virginia (OTCMKTS BAYK) Earnings History by Quarter

Date	Quarter	Consensus Estimate	Actual EPS	Revenue Estimate	Actual Revenue	Release Link	Conference Call
7/25/2018
3/26/2018	Q4 2017		($0.07)	$9.15 million	$9.18 million	View	N/A
10/23/2017	Q3 2017	$0.12	$0.09	$8.16 million	$8.87 million	View	N/A
7/26/2017	Q2 2017	$0.12	$0.06	$8.40 million	$8.59 million	View	N/A
4/28/2017	Q1 2017	$0.14	$0.03	$4.96 million	$4.74 million	View	N/A
1/27/2017	Q4 2016		$0.12		$5.10 million	View	N/A
11/3/2016	Q3 2016		$0.18		$5.00 million	View	N/A
7/26/2016	Q2 2016		$0.12		$4.60 million	View	N/A
5/13/2016	Q1 2016		$0.11		$4.32 million	View	N/A
2/1/2016	Q4 2015		($0.03)		$4.22 million	View	N/A
10/30/2015	Q3 2015		$0.06		$4.00 million	View	N/A
7/30/2015	Q2 2015		$0.06		$4.17 million	View	N/A
4/30/2015	Q1 2015		$0.08		$4.19 million	View	N/A
1/29/2015	Q4 2014		$0.12		$4.11 million	View	N/A
10/31/2014	Q3 2014		$0.11		$4.05 million	View	N/A
7/29/2014	Q2 2014		$0.05		$3.55 million	View	N/A
4/30/2014	Q1 2014		$0.10		$3.91 million	View	N/A
1/30/2014	Q4		$0.07		$3.91 million	View	N/A
10/25/2013	Q3 13		$0.13		$4.70 million	View	N/A
8/9/2013	Q2 2013		$0.05		$3.89 million	View	N/A
5/7/2013	Q1 2013		$0.03		$3.58 million	View	N/A
2/1/2013	Q4 2012		$0.10			View	N/A
11/13/2012	Q3 2012		$0.09			View	N/A
8/14/2012	Q2 2012		$0.04			View	N/A
5/14/2012	Q1 2012		$0.04			View	N/A
3/28/2012	Q4 2011		$0.03			View	N/A

(Earnings results data provided by Zacks Investment Research)

Bay Banks of Virginia (OTCMKTS:BAYK) Dividend Information

Bay Banks of Virginia pays an annual dividend of $0.12 per share, with a dividend yield of 1.21%. BAYK's most recent quarterly dividend payment was Friday, December 29. Bay Banks of Virginia pays out 75.00% of its earnings out as a dividend.

Most Recent Dividend:	12/29/2017
Annual Dividend:	$0.12
Dividend Yield:	1.21%
Payout Ratio(s):	75.00% (Trailing 12 Months of Earnings) 22.22% (Based on This Year's Estimates) 17.14% (Based on Next Year's Estimates) 44.52% (Based on Cash Flow)

Dividend Payments by Quarter for Bay Banks of Virginia (OTCMKTS:BAYK)

Bay Banks of Virginia (OTCMKTS:BAYK) Dividend History by Quarter

Announced	Period	Amount	Ex-Dividend Date	Record Date	Payable Date
12/8/2017	Quarterly	$0.04	12/21/2017	12/22/2017	12/29/2017
9/27/2017	Quarterly	$0.04	10/10/2017	10/11/2017	10/24/2017
7/3/2017	Quarterly	$0.04	7/7/2017	7/11/2017	7/24/2017

(Data available from 1/1/2013 forward)

Bay Banks of Virginia (OTCMKTS BAYK) Insider Trading and Institutional Ownership History

Insider Ownership Percentage: 7.89%
Institutional Ownership Percentage: 10.49%

Insider Trading History for Bay Banks of Virginia (OTCMKTS:BAYK)

Bay Banks of Virginia (OTCMKTS BAYK) Insider Trading History

Transaction Date	Insider Name	Title	Buy/Sell	Number of Shares	Average Share Price	Total Transaction	Shares Held After Transaction
5/23/2018	Ramsey K Hamadi	Insider	Buy	2,650	$9.85	$26,102.50
5/21/2018	Eric F Nost	Insider	Buy	2,000	$9.90	$19,800.00
5/17/2018	Ramsey K Hamadi	Insider	Buy	1,987	$9.91	$19,691.17
5/16/2018	Judy Carol Gavant	CFO	Buy	1,000	$9.75	$9,750.00
5/15/2018	Randal R Greene	CEO	Buy	1,942	$9.90	$19,225.80
8/31/2017	C Rodes Boyd Jr	Insider	Buy	541	$9.25	$5,004.25	14,282
8/31/2017	C. Dwight Clarke	Director	Buy	1,000	$9.25	$9,250.00	8,050
8/31/2017	Douglas F Jenkins	VP	Buy	5,405	$9.25	$49,996.25	27,694
8/31/2017	Randal R Greene	CEO	Buy	5,969	$9.25	$55,213.25	47,482
5/12/2016	Robert F Hurliman	Chairman	Sell	2,593	$6.00	$15,558.00	18,295
6/24/2015	Deborah Marie Evans	CFO	Buy	2,000	$5.90	$11,800.00
3/19/2015	Robert F Hurliman	Chairman	Sell	2,500	$5.78	$14,450.00
6/12/2013	Robert F Hurliman	Chairman	Sell	3,595	$4.80	$17,256.00
5/15/2013	Julien G Patterson	Director	Buy	7,130	$4.90	$34,937.00
5/13/2013	Randal R Greene	CEO	Buy	1,018	$4.88	$4,967.84
12/31/2012	Deborah Marie Evans	CFO	Buy	9,400	$4.25	$39,950.00
12/31/2012	Randal R Greene	CEO	Buy	29,412	$4.25	$125,001.00
12/31/2012	Robert C Jr. Berry	Director	Buy	2,000	$4.25	$8,500.00
12/31/2012	Robert F Hurliman	Chairman	Buy	10,000	$4.25	$42,500.00

(Data available from 1/1/2013 forward)

Bay Banks of Virginia (OTCMKTS BAYK) News Headlines

Source:

Date	Headline
	Insider Buying: Bay Banks of Virginia Inc (BAYK) Insider Acquires 2,650 Shares of Stock www.americanbankingnews.com - May 24 at 1:38 PM
	Eric F. Nost Acquires 2,000 Shares of Bay Banks of Virginia Inc (BAYK) Stock www.americanbankingnews.com - May 21 at 4:08 PM
	FIG Partners Comments on Bay Banks of Virginia Inc's Q2 2018 Earnings (BAYK) www.americanbankingnews.com - May 21 at 1:06 AM
	Bay Banks Of Virginia (BAYK) Insider Buys $19,691.17 in Stock www.americanbankingnews.com - May 18 at 8:53 PM
	Bay Banks Of Virginia (BAYK) Downgraded by Zacks Investment Research www.americanbankingnews.com - May 15 at 5:23 PM
	Randal R. Greene Acquires 1,942 Shares of Bay Banks Of Virginia (BAYK) Stock www.americanbankingnews.com - May 15 at 5:00 PM
	Analyzing Bay Banks Of Virginia (BAYK) & Its Peers www.americanbankingnews.com - May 14 at 11:05 AM
	FY2018 Earnings Forecast for Bay Banks Of Virginia Issued By FIG Partners (BAYK) www.americanbankingnews.com - May 14 at 3:49 AM
	Contrasting Bay Banks Of Virginia (BAYK) & Its Peers www.americanbankingnews.com - May 13 at 1:33 PM
	Head-To-Head Survey: Bay Banks Of Virginia (BAYK) versus The Competition www.americanbankingnews.com - May 3 at 3:08 AM
	Bay Banks Of Virginia (BAYK) vs. Its Competitors Financial Comparison www.americanbankingnews.com - April 27 at 5:20 PM
	Bay Banks Of Virginia (BAYK) and The Competition Head-To-Head Contrast www.americanbankingnews.com - April 18 at 9:31 AM
	Looking for the Hot, New Oyster? Meet the Next Kumamotos www.bloomberg.com - April 16 at 4:55 PM
	Bay Banks of Virginia, Inc. Announces Fourth Quarter and Full Year 2017 Results and Update finance.yahoo.com - March 27 at 8:56 AM
	Bay Banks of Virginia Announces Chief Financial Officer Changes finance.yahoo.com - March 14 at 4:50 PM
	Established Banker, William J. Callaghan, Joins Virginia Commonwealth Bank finance.yahoo.com - March 2 at 4:50 PM
	VCB Financial Group Welcomes Bruce McCook finance.yahoo.com - February 27 at 4:55 PM
	Virginia Commonwealth Bank Welcomes Jennifer Murphy finance.yahoo.com - February 16 at 4:52 PM
	Established Retail Banker, Barry Almond, Joins Virginia Commonwealth Bank finance.yahoo.com - February 16 at 4:52 PM
	Established Hampton Roads Commercial Banker, Ed Putney, Joins Virginia Commonwealth Bank finance.yahoo.com - February 9 at 6:46 AM
	Shore Bancshares Reports 2017 Results www.bizjournals.com - January 26 at 6:35 AM
	Virginia Commonwealth Bank Welcomes Ashley Smith finance.yahoo.com - January 8 at 6:02 PM
	FY2018 EPS Estimates for Bay Banks of Virginia Inc Increased by Analyst (BAYK) www.americanbankingnews.com - December 30 at 5:00 PM
	Bay Banks of Virginia, Inc. :BAYK-US: Earnings Analysis: Q3, 2017 By the Numbers : December 20, 2017 finance.yahoo.com - December 20 at 10:48 AM
	Bay Banks of Virginia (BAYK) Raised to Hold at Zacks Investment Research www.americanbankingnews.com - December 18 at 9:08 PM
	Bay Banks of Virginia Inc. (BAYK) Announces Quarterly Dividend of $0.04 www.americanbankingnews.com - December 16 at 12:08 PM
	Comparing South State (SSB) & Bay Banks of Virginia (BAYK) www.americanbankingnews.com - December 14 at 3:30 AM
	South State (SSB) versus Bay Banks of Virginia (BAYK) Financial Review www.americanbankingnews.com - December 13 at 9:26 AM
	South State (SSB) vs. Bay Banks of Virginia (BAYK) Critical Review www.americanbankingnews.com - December 10 at 2:00 PM
	South State (SSB) & Bay Banks of Virginia (BAYK) Financial Contrast www.americanbankingnews.com - December 9 at 1:18 PM
	Financial Contrast: South State (SSB) & Bay Banks of Virginia (BAYK) www.americanbankingnews.com - December 9 at 9:46 AM
	Head to Head Contrast: South State (SSB) versus Bay Banks of Virginia (BAYK) www.americanbankingnews.com - December 9 at 8:04 AM
	Flavor Of The Month: Bay Banks of Virginia And More finance.yahoo.com - December 8 at 4:11 PM
	Comparing Bay Banks of Virginia (BAYK) & South State (SSB) www.americanbankingnews.com - December 7 at 11:54 PM
	Critical Review: Bay Banks of Virginia (BAYK) and South State (SSB) www.americanbankingnews.com - December 7 at 9:24 AM
	Head-To-Head Contrast: Bay Banks of Virginia (BAYK) & South State (SSB) www.americanbankingnews.com - December 6 at 5:36 AM
	Bay Banks of Virginia (BAYK) versus South State (SSB) Critical Review www.americanbankingnews.com - December 4 at 5:36 AM
	Critical Comparison: South State (SSB) vs. Bay Banks of Virginia (BAYK) www.americanbankingnews.com - December 3 at 9:44 AM
	Bay Banks of Virginia (BAYK) & South State (SSB) Financial Contrast www.americanbankingnews.com - December 1 at 3:52 PM
	Analyzing Bay Banks of Virginia (BAYK) and South State (SSB) www.americanbankingnews.com - December 1 at 5:53 AM
	South State (SSB) & Bay Banks of Virginia (BAYK) Head-To-Head Survey www.americanbankingnews.com - November 28 at 5:46 PM
	Bay Banks of Virginia (BAYK) and South State (SSB) Head to Head Contrast www.americanbankingnews.com - November 28 at 5:20 PM
	Financial Contrast: Bay Banks of Virginia (BAYK) and South State (SSB) www.americanbankingnews.com - November 27 at 9:52 PM
	Head to Head Comparison: Bay Banks of Virginia (BAYK) vs. South State (SSB) www.americanbankingnews.com - November 27 at 10:10 AM
	Financial Review: Bay Banks of Virginia (BAYK) vs. South State (SSB) www.americanbankingnews.com - November 26 at 1:30 PM
	Head to Head Survey: Bay Banks of Virginia (BAYK) and South State (SSB) www.americanbankingnews.com - November 26 at 5:10 AM
	Reviewing South State Corporation (SSB) & Bay Banks of Virginia (BAYK) www.americanbankingnews.com - November 23 at 9:16 PM
	Head-To-Head Contrast: Bay Banks of Virginia (BAYK) versus South State Corporation (SSB) www.americanbankingnews.com - November 23 at 5:46 PM
	South State Corporation (SSB) vs. Bay Banks of Virginia (BAYK) Head-To-Head Contrast www.americanbankingnews.com - November 22 at 7:14 PM
	South State Corporation (SSB) and Bay Banks of Virginia (BAYK) Financial Survey www.americanbankingnews.com - November 22 at 7:14 PM

Bay Banks of Virginia (OTCMKTS:BAYK) SEC Filings

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Bay Banks of Virginia (OTCMKTS:BAYK) Income Statement, Balance Sheet and Cash Flow Statement

Bay Banks of Virginia (OTCMKTS BAYK) Stock Chart for Saturday, May, 26, 2018

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This page was last updated on 5/26/2018 by MarketBeat.com Staff