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Peer Analysis

Data for trailing four quarters

For the definition of a financial field, select the field name below.
Performance Ratios (%)BAYK Peer
Median
Peer
Average
ROAA0.55 0.63 0.51 
ROAE6.19 6.27 4.97 
Net Interest Margin3.40 3.62 3.55 
Efficiency Ratio77.40 73.28 75.07 
Loans / Deposits100.96 90.55 85.78 

Asset Quality Ratios (%)   
NPAs / AssetsNA 1.18 1.48 
NCOs / Avg Loans0.17 0.02 0.06 
Reserves / Loans1.00 1.03 1.04 
Reserves / NPAsNA 43.39 82.96 

Capital Ratios (%)   
Tier 1 Capital11.91 11.92 14.14 
Tangible Equity / Tangible Assets8.04 9.32 9.44 
Total Equity / Total Assets8.57 9.53 9.56 

Market Ratios   
Price / Earnings (x)16.98 14.29 18.19 
Price / Book (%)103.04 116.93 119.04 
Dividend Yield (%)0.00 1.41 1.21 
Bay Banks of Virginia, Inc.'s peer group consists of the following: Bank of Botetourt (BORT), Bank of the James Financial Group, Inc. (BOTJ), Cardinal Bankshares Corporation (CDBK), Citizens Bancorp of Virginia, Inc. (CZBT), Cordia Bancorp Inc. (BVA), First Capital Bancorp, Inc. (FCVA), Freedom Bank of Virginia (FDVA), Grayson Bankshares, Inc. (GSON), Heritage Bankshares, Inc. (HBKS), HomeTown Bankshares Corporation (HMTA), Pinnacle Bankshares Corporation (PPBN), Virginia National Bankshares Corporation (VABK)

Bay Banks of Virginia, Inc.'s financial data is as of 12/31/2016.

Peer financial data is as of 12/31/2016  except for these companies:

Bank of the James Financial Group, Inc.'s financial data is as of 3/31/2017.
Cardinal Bankshares Corporation's financial data is as of 6/30/2016.
Citizens Bancorp of Virginia, Inc.'s financial data is as of 3/31/2017.
Cordia Bancorp Inc.'s financial data is as of 6/30/2016.
First Capital Bancorp, Inc.'s financial data is as of 9/30/2015.
Freedom Bank of Virginia's financial data is as of 3/31/2017.
Grayson Bankshares, Inc.'s financial data is as of 6/30/2016.
Heritage Bankshares, Inc.'s financial data is as of 12/31/2015.
Pinnacle Bankshares Corporation's financial data is as of 3/31/2017.

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