Reviewing Bay National (OTCMKTS:BAYN) & BancFirst (NASDAQ:BANF)

Bay National (OTCMKTS:BAYN) and BancFirst (NASDAQ:BANF) are both finance companies, but which is the better business? We will contrast the two businesses based on the strength of their valuation, dividends, profitability, earnings, institutional ownership, risk and analyst recommendations.

Valuation & Earnings

This table compares Bay National and BancFirst’s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Bay National	N/A	N/A	N/A	N/A	N/A
BancFirst	$809.34 million	3.73	$212.46 million	$6.12	14.96

BancFirst has higher revenue and earnings than Bay National.

Profitability

This table compares Bay National and BancFirst’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Bay National	N/A	N/A	N/A
BancFirst	26.25%	14.85%	1.69%

Analyst Ratings

This is a summary of current ratings and target prices for Bay National and BancFirst, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Bay National	0	0	0	0	N/A
BancFirst	1	1	0	0	1.50

BancFirst has a consensus price target of $85.50, indicating a potential downside of 6.63%. Given BancFirst’s higher probable upside, analysts plainly believe BancFirst is more favorable than Bay National.

Institutional & Insider Ownership

51.7% of BancFirst shares are owned by institutional investors. 17.8% of Bay National shares are owned by insiders. Comparatively, 33.9% of BancFirst shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Risk & Volatility

Bay National has a beta of 1.56, indicating that its stock price is 56% more volatile than the S&P 500. Comparatively, BancFirst has a beta of 1.09, indicating that its stock price is 9% more volatile than the S&P 500.

Summary

BancFirst beats Bay National on 7 of the 8 factors compared between the two stocks.

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.

About BancFirst

BancFirst Corporation operates as the bank holding company for BancFirst that provides a range of commercial banking services to retail customers, and small to medium-sized businesses. The company operates through BancFirst Metropolitan Banks, BancFirst Community Banks, Pegasus, Worthington, and Other Financial Services segments. It offers checking accounts, negotiable order of withdrawal accounts, savings accounts, money market accounts, sweep accounts, club accounts, individual retirement accounts, and certificates of deposit, as well as overdraft protection and auto draft services. The company also provides commercial and agricultural non-real estate loans for working capital, facilities acquisition or expansion, purchase of equipment, and other needs; lending services that include private banking, energy, commercial and residential real estate, and commercial and industrial loans; and loans to finance purchases of consumer goods, such as automobiles, boats, household goods, vacations, and education. In addition, it engages in the investment management and administration of trusts for individuals, corporations, and employee benefit plans, as well as bond trustee and paying agent business for various Oklahoma municipalities and governmental entities; and provision of item processing, research, and other correspondent banking services to financial institutions and governmental units. Further, the company provides insurance agency services; depository and funds transfer, collection, safe deposit box, cash management, and other services. It serves customers in non-metropolitan trade centers and cities in the metropolitan statistical areas of Oklahoma. The company was formerly known as United Community Corporation and changed its name to BancFirst Corporation in November 1988. BancFirst Corporation was incorporated in 1984 and is headquartered in Oklahoma City, Oklahoma.