Analyzing Bay Banks of Virginia (OTCMKTS:BAYK) and South Plains Financial (OTCMKTS:SPFI)

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Bay Banks of Virginia (OTCMKTS:BAYK) and South Plains Financial (NASDAQ:SPFI) are both small-cap finance companies, but which is the better business? We will compare the two companies based on the strength of their analyst recommendations, institutional ownership, risk, profitability, valuation, dividends and earnings.

Institutional & Insider Ownership

13.7% of Bay Banks of Virginia shares are owned by institutional investors. 8.2% of Bay Banks of Virginia shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Analyst Recommendations

This is a summary of current ratings and recommmendations for Bay Banks of Virginia and South Plains Financial, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Bay Banks of Virginia 0 0 0 0 N/A
South Plains Financial 0 0 2 0 3.00

South Plains Financial has a consensus target price of $21.50, suggesting a potential upside of 20.45%. Given South Plains Financial’s higher possible upside, analysts plainly believe South Plains Financial is more favorable than Bay Banks of Virginia.

Valuation and Earnings

This table compares Bay Banks of Virginia and South Plains Financial’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Bay Banks of Virginia $48.11 million 2.23 $3.88 million $0.38 21.18
South Plains Financial $170.21 million 1.83 $29.29 million N/A N/A

South Plains Financial has higher revenue and earnings than Bay Banks of Virginia.

Profitability

This table compares Bay Banks of Virginia and South Plains Financial’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Bay Banks of Virginia 8.54% 3.94% 0.44%
South Plains Financial N/A N/A N/A

Summary

Bay Banks of Virginia beats South Plains Financial on 6 of the 10 factors compared between the two stocks.

Bay Banks of Virginia Company Profile

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, as well as trust administration, investment, and wealth management services; and 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 February 6, 2019, it operated 20 banking offices, including a production office located throughout the greater Richmond area, the Northern Neck region, Middlesex County, the Tri-Cities area of Petersburg, Hopewell and Colonial Heights, Suffolk, and Virginia Beach. Bay Banks of Virginia, Inc. was founded in 1930 and is headquartered in Richmond, Virginia.

South Plains Financial Company Profile

There is no company description available for South Plains Financial Inc.

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