National Bankshares (NASDAQ:NKSH – Get Free Report) and Bay National (OTCMKTS:BAYN – Get Free Report) are both finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their profitability, risk, institutional ownership, earnings, dividends, analyst recommendations and valuation.
Profitability
This table compares National Bankshares and Bay National’s net margins, return on equity and return on assets.
Net Margins | Return on Equity | Return on Assets | |
National Bankshares | 19.00% | 10.17% | 0.81% |
Bay National | N/A | N/A | N/A |
Valuation & Earnings
This table compares National Bankshares and Bay National’s revenue, earnings per share (EPS) and valuation.
Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
National Bankshares | $68.19 million | 2.66 | $15.69 million | $2.26 | 13.61 |
Bay National | N/A | N/A | N/A | N/A | N/A |
Institutional and Insider Ownership
29.7% of National Bankshares shares are owned by institutional investors. 2.8% of National Bankshares shares are owned by insiders. Comparatively, 17.8% of Bay National shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.
Risk and Volatility
National Bankshares has a beta of 0.58, meaning that its share price is 42% less volatile than the S&P 500. Comparatively, Bay National has a beta of 1.56, meaning that its share price is 56% more volatile than the S&P 500.
Analyst Ratings
This is a summary of current recommendations and price targets for National Bankshares and Bay National, as reported by MarketBeat.com.
Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
National Bankshares | 0 | 0 | 0 | 0 | N/A |
Bay National | 0 | 0 | 0 | 0 | N/A |
Summary
National Bankshares beats Bay National on 5 of the 7 factors compared between the two stocks.
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.
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.
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