Bay National (OTCMKTS:BAYN – Get Free Report) and National Bankshares (NASDAQ:NKSH – Get Free Report) are both finance companies, but which is the better investment? We will contrast the two companies based on the strength of their earnings, institutional ownership, profitability, analyst recommendations, risk, dividends and valuation.
Insider and Institutional Ownership
29.7% of National Bankshares shares are held by institutional investors. 17.8% of Bay National shares are held by insiders. Comparatively, 2.8% of National Bankshares shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.
Analyst Recommendations
This is a summary of current ratings for Bay National and National Bankshares, as provided by MarketBeat.com.
Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
Bay National | 0 | 0 | 0 | 0 | N/A |
National Bankshares | 0 | 0 | 0 | 0 | N/A |
Profitability
This table compares Bay National and National Bankshares’ net margins, return on equity and return on assets.
Net Margins | Return on Equity | Return on Assets | |
Bay National | N/A | N/A | N/A |
National Bankshares | 19.00% | 10.17% | 0.81% |
Valuation and Earnings
This table compares Bay National and National Bankshares’ gross revenue, earnings per share (EPS) and valuation.
Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
Bay National | N/A | N/A | N/A | N/A | N/A |
National Bankshares | $68.19 million | 2.66 | $15.69 million | $2.26 | 13.61 |
National Bankshares has higher revenue and earnings than Bay National.
Volatility & Risk
Bay National has a beta of 1.56, indicating that its stock price is 56% more volatile than the S&P 500. Comparatively, National Bankshares has a beta of 0.58, indicating that its stock price is 42% less volatile than the S&P 500.
Summary
National Bankshares beats Bay National on 5 of the 7 factors compared between the two stocks.
About Bay National
Bay National Corp. operates as a bank holding company. It offers loans, deposits, investments and other banking and financial services through its subsidiary, Bay National Bank. The company was founded in 1999 and is headquartered in Lutherville, MD.
About National Bankshares
National Bankshares, Inc. operates as the bank holding company for the National Bank of Blacksburg that provides retail and commercial banking products and services to individuals, businesses, non-profits, and local governments. The company accepts interest-bearing and non-interest-bearing demand deposit accounts, money market deposit accounts, savings accounts, certificates of deposit, health savings accounts, and individual retirement accounts. Its loan products include commercial and agricultural, commercial real estate, residential real estate, home equity, and various consumer loan products, as well as loans for the construction of commercial and residential properties. The company also provides business and consumer debit and credit cards; letters of credit, night depository services, safe deposit boxes, utility payment services, and automatic funds transfer; wealth management, trust, and estate services; non-deposit investment and insurance products; and telephone, mobile, and Internet banking services. The company was founded in 1891 and is headquartered in Blacksburg, Virginia.
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