Bay Banks of Virginia (OTCMKTS:BAYK) versus CB Financial Services (OTCMKTS:CBFV) Head-To-Head Contrast

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CB Financial Services (NASDAQ:CBFV) and Bay Banks of Virginia (OTCMKTS:BAYK) 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.

Valuation & Earnings

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

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
CB Financial Services $51.97 million 3.08 $7.05 million $1.69 17.46
Bay Banks of Virginia $48.11 million 2.33 $3.88 million $0.38 22.11

CB Financial Services has higher revenue and earnings than Bay Banks of Virginia. CB Financial Services 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.

Analyst Recommendations

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

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
CB Financial Services 0 0 0 0 N/A
Bay Banks of Virginia 0 0 0 0 N/A

Profitability

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

Net Margins Return on Equity Return on Assets
CB Financial Services 20.31% 8.43% 0.93%
Bay Banks of Virginia 10.86% 5.13% 0.57%

Volatility and Risk

CB Financial Services has a beta of 0.4, indicating that its stock price is 60% less volatile than the S&P 500. Comparatively, Bay Banks of Virginia has a beta of 0.46, indicating that its stock price is 54% less volatile than the S&P 500.

Institutional & Insider Ownership

26.0% of CB Financial Services shares are owned by institutional investors. Comparatively, 13.9% of Bay Banks of Virginia shares are owned by institutional investors. 7.9% of CB Financial Services shares are owned by company insiders. Comparatively, 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.

Summary

CB Financial Services beats Bay Banks of Virginia on 8 of the 11 factors compared between the two stocks.

CB Financial Services Company Profile

CB Financial Services, Inc. operates as the bank holding company for Community Bank that provides various banking products and services for individuals and businesses southwestern Pennsylvania, West Virginia, and Ohio. The company's primary deposit products include demand deposits, NOW accounts, money market accounts, and savings accounts. Its loan products comprise residential real estate loans, such as one-to four-family mortgage loans, multifamily mortgage loans, home equity installment loans, and home equity lines of credit; commercial real estate loans that are secured primarily by improved properties, such as retail facilities, office buildings, and other non-residential buildings; construction loans to individuals to finance the construction of residential dwellings, as well as for the construction of commercial properties, including hotels, apartment buildings, housing developments, and owner-occupied properties used for businesses; commercial and industrial loans, and lines of credit; consumer loans consisting of indirect auto loans, secured and unsecured loans, and lines of credit; and other loans. In addition, the company provides sweep and insured money sweep, remote electronic deposit, online banking with bill pay, mobile banking, and automated clearing house services; and conducts insurance agency activities by offering property and casualty, commercial liability, surety, and other insurance products. As of February 20, 2019, it operated 16 offices in Greene, Allegheny, Washington, Fayette, and Westmoreland counties in southwestern Pennsylvania; 7 offices in Brooke, Marshall, Ohio, Upshur, and Wetzel counties in West Virginia; and 1 office in Belmont County in Ohio. The company was founded in 1901 and is headquartered in Carmichaels, Pennsylvania.

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.

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