Head-To-Head Contrast: Bay Banks of Virginia (OTCMKTS:BAYK) vs. Glacier Bancorp (NASDAQ:GBCI)

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

Analyst Recommendations

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

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Glacier Bancorp	0	2	3	1	2.83
Bay Banks of Virginia	0	0	0	0	0.00

Glacier Bancorp currently has a consensus price target of $52.00, suggesting a potential upside of 24.10%. Given Glacier Bancorp’s stronger consensus rating and higher possible upside, research analysts plainly believe Glacier Bancorp is more favorable than Bay Banks of Virginia.

Valuation and Earnings

This table compares Glacier Bancorp 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
Glacier Bancorp	$921.82 million	5.91	$190.14 million	$2.04	20.54
Bay Banks of Virginia	$55.38 million	2.27	$7.06 million	N/A	N/A

Glacier Bancorp has higher revenue and earnings than Bay Banks of Virginia.

Institutional and Insider Ownership

80.2% of Glacier Bancorp shares are owned by institutional investors. 0.5% of Glacier Bancorp shares are owned by company insiders. Comparatively, 7.6% of Bay Banks of Virginia shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Glacier Bancorp	14.99%	5.98%	0.68%
Bay Banks of Virginia	N/A	N/A	N/A

Summary

Glacier Bancorp beats Bay Banks of Virginia on 11 of the 12 factors compared between the two stocks.

About Glacier Bancorp

Glacier Bancorp, Inc. operates as the bank holding company for Glacier Bank that provides commercial banking services to individuals, small to medium-sized businesses, community organizations, and public entities in the United States. The company offers retail banking, business banking, and mortgage origination and loan servicing services. It also provides non-interest bearing deposit and interest bearing deposit accounts, such as negotiable order of withdrawal and demand deposit accounts, savings, money market deposits, fixed rate certificates of deposit, negotiated-rate jumbo certificates, and individual retirement accounts. In addition, the company offers construction and permanent loans on residential real estate; consumer land or lot loans; unimproved land and land development loans; and residential builder guidance lines comprising pre-sold and spec-home construction, and lot acquisition loans. Further, it provides commercial real estate loans to purchase, construct, and finance commercial real estate properties; consumer loans secured by real estate, automobiles, or other assets; home equity loans consisting of junior lien mortgages, and first and junior lien lines of credit secured by owner-occupied 1-4 family residences; and agriculture loans. Glacier Bancorp, Inc. was founded in 1955 and is headquartered in Kalispell, Montana.

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.