Head to Head Survey: Bay Banks of Virginia (OTCMKTS:BAYK) vs. Citizens (NASDAQ:CIZN)

Bay Banks of Virginia (OTCMKTS:BAYK) and Citizens (NASDAQ:CIZN) are both small-cap finance companies, but which is the better business? We will contrast the two businesses based on the strength of their dividends, analyst recommendations, earnings, institutional ownership, risk, profitability and valuation.

Valuation and Earnings

This table compares Bay Banks of Virginia and Citizens”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	$55.38 million	2.27	$7.06 million	N/A	N/A
Citizens	$40.95 million	1.24	$5.49 million	$1.45	6.17

Bay Banks of Virginia has higher revenue and earnings than Citizens.

Institutional & Insider Ownership

9.7% of Citizens shares are owned by institutional investors. 7.6% of Bay Banks of Virginia shares are owned by company insiders. Comparatively, 8.9% of Citizens shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Analyst Ratings

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

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Bay Banks of Virginia	0	0	0	0	0.00
Citizens	0	0	3	0	3.00

Citizens has a consensus target price of $24.00, indicating a potential upside of 168.16%. Given Citizens’ stronger consensus rating and higher possible upside, analysts clearly believe Citizens is more favorable than Bay Banks of Virginia.

Profitability

This table compares Bay Banks of Virginia and Citizens’ 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
Citizens	7.00%	11.28%	0.37%

Summary

Citizens beats Bay Banks of Virginia on 8 of the 11 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 Citizens

Citizens Holding Company operates as the bank holding company for The Citizens Bank of Philadelphia that provides various commercial and personal banking products and services. It offers demand deposits; and savings and time deposit accounts. The company also provides secured and unsecured loans; mortgage loans; single and multi-family housing, farm, residential and commercial construction, and commercial real estate loans; commercial, industrial, and agricultural production loans; and consumer loans, as well as issues letters of credit. In addition, it offers personal and corporate trust services; credit life and title insurance; and online and mobile banking services. The company was founded in 1908 and is headquartered in Philadelphia, Mississippi.