Baylake (BYLK) vs. Astoria Financial (AF) Head to Head Review

Baylake (NASDAQ: BYLK) and Astoria Financial (NYSE:AF) are both financials companies, but which is the better business? We will compare the two companies based on the strength of their risk, valuation, analyst recommendations, institutional ownership, profitability, dividends and earnings.

Profitability

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This table compares Baylake and Astoria Financial’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Baylake 10.34% 4.05% 0.43%
Astoria Financial 19.90% 3.91% 0.51%

Dividends

Baylake pays an annual dividend of $0.36 per share and has a dividend yield of 2.1%. Astoria Financial pays an annual dividend of $0.16 per share and has a dividend yield of 0.7%. Baylake pays out 42.4% of its earnings in the form of a dividend. Astoria Financial pays out 28.1% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.

Risk & Volatility

Baylake has a beta of 3.79, indicating that its stock price is 279% more volatile than the S&P 500. Comparatively, Astoria Financial has a beta of 0.55, indicating that its stock price is 45% less volatile than the S&P 500.

Earnings and Valuation

This table compares Baylake and Astoria Financial’s gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Baylake N/A N/A N/A $0.85 20.51
Astoria Financial N/A N/A N/A $0.57 37.72

Baylake is trading at a lower price-to-earnings ratio than Astoria Financial, indicating that it is currently the more affordable of the two stocks.

Analyst Ratings

This is a breakdown of recent ratings and recommmendations for Baylake and Astoria Financial, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Baylake 0 0 0 0 N/A
Astoria Financial 0 1 1 0 2.50

Astoria Financial has a consensus price target of $21.25, suggesting a potential downside of 1.16%. Given Astoria Financial’s higher possible upside, analysts plainly believe Astoria Financial is more favorable than Baylake.

Insider & Institutional Ownership

83.6% of Astoria Financial shares are held by institutional investors. 9.8% of Astoria Financial shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Summary

Astoria Financial beats Baylake on 8 of the 12 factors compared between the two stocks.

About Baylake

Baylake Corp. is a bank holding company. The Company’s primary activities consists of holding the stock of its subsidiary bank, Baylake Bank (the Bank), and providing a range of banking and related business activities through the Bank and its other subsidiaries. The Bank is an independent community bank offering a range of financial services primarily to small businesses and individuals located in its market area. The Bank provides a range of loan, deposit and other banking products and services to its business, individual or retail and municipal customers, which include safe deposit box services, personal and corporate trust services, treasury management, private banking, financial planning and electronic banking services, including mobile banking and eBanc, an Internet banking product for its customers. It offers investment advisory services through Admiral Asset Management, Inc. (Admiral). The Bank conducts its community banking business through over 20 service financial centers.

About Astoria Financial

Astoria Financial Corporation is a unitary savings and loan holding company. The Company’s principal business is the operation of its subsidiary, Astoria Bank. Astoria Bank’s primary business is attracting retail deposits from the general public and businesses and investing those deposits, together with funds generated from operations, principal repayments on loans and securities and borrowings, primarily in multi-family and commercial real estate mortgage loans, one- to four-family, or residential, mortgage loans and mortgage-backed securities. Astoria Bank also invests in consumer and other loans, the United States Government, government agency and government-sponsored enterprise (GSE) securities, and other investments permitted by federal banking laws and regulations. Its loan portfolio consists primarily of mortgage loans, and consumer and other loans. The Company’s investment activities include securities available-for-sale and securities held-to-maturity.

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