BAY BANKS OF VIRGINIA INC
Financials · State Commercial Banks · VA · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $7.1M | $3.9M | −$1.3M | $2.5M | $366,000 | $1.8M |
| Total assets | $1.13B | $1.08B | $970.6M | $486.7M | $456.3M | $390.5M |
| Total liabilities | $1.01B | $963.1M | $856.0M | $445.0M | $416.7M | $351.2M |
| Equity | $126.2M | $117.5M | $114.6M | $41.7M | $39.6M | $39.2M |
| EPS (diluted) | — | — | $-0.14 | $0.53 | $0.08 | $0.38 |
| Shares out. | 13.2M | 13.2M | 4.8M | 4.8M | 4.8M | 4.8M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2019- Operating margin
- —
- Net margin
- —
- Return on equity
- 5.6%
- Return on assets
- 0.6%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 88.9%
- Debt / equity
- 7.97×
- Book value / share
- $9.56
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- 82.0%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2019- Accruals / assets
- −0.3%clean
- Piotroski F-Score
- 6/6mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →
Signs
● 1 severe● 1 warning● 2 good- Filed a late-filing notice (Form NT) — missed an SEC deadline
- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Risk flags
late SEC filings- NT 10-Kmissed a reporting deadline ↗Apr 4, 2018
- NT 10-Qmissed a reporting deadline ↗May 16, 2000
A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.
Material events
SEC Form 8-K · most recent- Completed an acquisition or disposition · Modified shareholder rights · Change in control · Director / officer changeFeb 1, 2021
- Shareholder vote · Other material eventJan 21, 2021
- Entered a material agreementNov 13, 2020
- Results of operationsOct 29, 2020
- Other material eventSep 21, 2020
- Entered a material agreement · Other material eventAug 17, 2020
- Regulation FD disclosure · Other material eventAug 13, 2020
- Results of operationsAug 3, 2020
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗Event-driven situations (1)
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