Bay Banks of Virginia (OTCMKTS:BAYK – Get Free Report) and Franklin Financial Services (NASDAQ:FRAF – Get Free Report) are both small-cap finance companies, but which is the better stock? We will contrast the two companies based on the strength of their earnings, profitability, institutional ownership, analyst recommendations, valuation, dividends and risk.
Profitability
This table compares Bay Banks of Virginia and Franklin Financial Services’ net margins, return on equity and return on assets.
Net Margins | Return on Equity | Return on Assets | |
Bay Banks of Virginia | N/A | N/A | N/A |
Franklin Financial Services | 12.85% | 10.60% | 0.71% |
Analyst Ratings
This is a breakdown of recent ratings and price targets for Bay Banks of Virginia and Franklin Financial Services, as provided by MarketBeat.com.
Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
Bay Banks of Virginia | 0 | 0 | 0 | 0 | N/A |
Franklin Financial Services | 0 | 0 | 0 | 0 | N/A |
Earnings & Valuation
This table compares Bay Banks of Virginia and Franklin Financial Services’ top-line revenue, earnings per share and valuation.
Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
Bay Banks of Virginia | $55.38 million | 2.27 | $7.06 million | N/A | N/A |
Franklin Financial Services | $91.61 million | 1.55 | $13.60 million | $3.12 | 10.31 |
Franklin Financial Services has higher revenue and earnings than Bay Banks of Virginia.
Institutional & Insider Ownership
24.8% of Franklin Financial Services shares are owned by institutional investors. 7.6% of Bay Banks of Virginia shares are owned by insiders. Comparatively, 6.9% of Franklin Financial Services shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.
Summary
Franklin Financial Services beats Bay Banks of Virginia on 6 of the 8 factors compared between the two stocks.
About Bay Banks of Virginia
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; purchased loans; 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. The company also provides credit cards; and insurance, online banking, telephone banking, mobile banking, analysis checking, cash management deposit, wire, direct deposit payroll, lockbox, positive pay, and remote deposit services, as well as a line of commercial lending options. In addition, it 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 planning, brokerage services, investment managed accounts, and managed and self-directed rollover individual retirement accounts for personal and corporate trusts. As of March 9, 2020, the company operated 17 banking offices located throughout greater Richmond region, the Northern Neck region, Middlesex County, and the Hampton Roads region. Bay Banks of Virginia, Inc. was founded in 1930 and is headquartered in Richmond, Virginia.
About Franklin Financial Services
Franklin Financial Services Corporation operates as the bank holding company for Farmers and Merchants Trust Company of Chambersburg that provides commercial, retail banking, and trust services to businesses, individuals, governmental entities, and non-profit organizations in Pennsylvania. It offers various deposit products, including checking, savings, money management, and time deposit accounts, as well as demand deposits. The company also provides commercial real estate, construction and land development, commercial and industrial, and residential mortgage loans, as well as installment and revolving loans; consumer loans comprising unsecured personal lines of credit and installment loans; and secured and unsecured commercial and industrial loans, including accounts receivable and inventory financing, and commercial equipment financing. In addition, it offers various investment and trust services comprising estate planning and administration, corporate and personal trust fund management, pension, and profit sharing and other employee benefit funds management services, and custodial services, as well as non-trust related investment services; sells mutual funds, annuities, and insurance products; and offers safe deposit, pension, and fiduciary services. Further, the company engages in non-bank investment activities, such as venture capital investments. The company was founded in 1906 and is headquartered in Chambersburg, Pennsylvania.
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