Head-To-Head Comparison: Bay Banks of Virginia (BAYK) and Select Bancorp (SLCT)

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Bay Banks of Virginia (NASDAQ: SLCT) and Select Bancorp (NASDAQ:SLCT) are both small-cap finance companies, but which is the superior stock? We will compare the two companies based on the strength of their dividends, risk, profitability, institutional ownership, earnings, analyst recommendations and valuation.

Analyst Recommendations

This is a breakdown of current recommendations and price targets for Bay Banks of Virginia and Select Bancorp, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Bay Banks of Virginia 0 0 0 0 N/A
Select Bancorp 0 0 1 0 3.00

Profitability

This table compares Bay Banks of Virginia and Select Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Bay Banks of Virginia 1.65% 2.37% 0.28%
Select Bancorp 8.96% 7.37% 0.85%

Dividends

Bay Banks of Virginia pays an annual dividend of $0.08 per share and has a dividend yield of 0.8%. Select Bancorp does not pay a dividend. Bay Banks of Virginia pays out 50.0% of its earnings in the form of a dividend.

Valuation and Earnings

This table compares Bay Banks of Virginia and Select Bancorp’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Bay Banks of Virginia $37.38 million 3.52 -$1.27 million $0.16 62.19
Select Bancorp $42.69 million 4.19 $3.18 million $0.61 20.90

Select Bancorp has higher revenue and earnings than Bay Banks of Virginia. Select Bancorp is trading at a lower price-to-earnings ratio than Bay Banks of Virginia, indicating that it is currently the more affordable of the two stocks.

Institutional & Insider Ownership

10.8% of Bay Banks of Virginia shares are owned by institutional investors. Comparatively, 31.7% of Select Bancorp shares are owned by institutional investors. 7.3% of Bay Banks of Virginia shares are owned by insiders. Comparatively, 14.0% of Select Bancorp shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Risk and Volatility

Bay Banks of Virginia has a beta of 0.27, suggesting that its stock price is 73% less volatile than the S&P 500. Comparatively, Select Bancorp has a beta of 0.17, suggesting that its stock price is 83% less volatile than the S&P 500.

Summary

Select Bancorp beats Bay Banks of Virginia on 11 of the 14 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, 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 July 13, 2018, it operated 19 banking offices; and a loan production office located throughout the Richmond market area, the Northern Neck region, Tri-Cities area of Petersburg, Hopewell and Colonial Heights, Middlesex County, and Hampton Roads region. Bay Banks of Virginia, Inc. was founded in 1930 and is headquartered in Richmond, Virginia.

Select Bancorp Company Profile

Select Bancorp, Inc. operates as the bank holding company for Select Bank & Trust Company that provides banking services to individuals and small to medium-sized businesses. The company accepts deposit products, such as non-interest-bearing demand deposits, money market and NOW accounts, savings accounts, and time deposits. Its loan products include 1-to-4 family residential, commercial real estate, multi-family residential, construction, and commercial and industrial loans; loans to individuals; and home equity lines of credit and overdrafts. Select Bancorp, Inc. operates a network of branch offices in Dunn, Burlington, Charlotte, Clinton, Elizabeth City, Fayetteville, Goldsboro, Greenville, Leland, Lillington, Lumberton, Morehead City, Raleigh, and Washington, North Carolina; and Rock Hill, Blacksburg, and Six Mile, South Carolina. The company was formerly known as New Century Bancorp, Inc. and changed its name to Select Bancorp, Inc. in July 2014. Select Bancorp, Inc. was founded in 2000 and is headquartered in Dunn, North Carolina.

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