Analyzing Bay National (OTCMKTS:BAYN) and Camden National (NASDAQ:CAC)

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

Earnings and Valuation

This table compares Bay National and Camden National”s top-line revenue, earnings per share 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
Camden National	$156.45 million	3.92	$43.38 million	$3.01	13.94

Camden National has higher revenue and earnings than Bay National.

Analyst Ratings

This is a summary of recent recommendations and price targets for Bay National and Camden National, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Bay National	0	0	0	0	N/A
Camden National	0	2	0	0	2.00

Camden National has a consensus target price of $41.50, suggesting a potential downside of 1.12%. Given Camden National’s higher probable upside, analysts plainly believe Camden National is more favorable than Bay National.

Institutional & Insider Ownership

77.4% of Camden National shares are held by institutional investors. 17.8% of Bay National shares are held by insiders. Comparatively, 1.9% of Camden National shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

Risk and Volatility

Bay National has a beta of 1.56, meaning that its share price is 56% more volatile than the S&P 500. Comparatively, Camden National has a beta of 0.72, meaning that its share price is 28% less volatile than the S&P 500.

Profitability

This table compares Bay National and Camden National’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
Camden National	16.01%	10.36%	0.89%

Summary

Camden National beats Bay National on 6 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 Camden National

Camden National Corporation operates as the bank holding company for Camden National Bank that provides various commercial and consumer banking products and services for consumer, institutional, municipal, non-profit, and commercial customers in Maine, New Hampshire, and Massachusetts. The company accepts checking, savings, time, and brokered deposits, as well as deposits with the certificate of deposit account registry system. Its loan products include non-owner-occupied commercial estate loans, owner-occupied commercial real estate loans, unsecured fully-guaranteed commercial loans backed by the small business administration, loans secured by one-to four-family properties, and consumer and home equity loans. The company also provides brokerage and insurance services through its financial offerings consisting of college, retirement, estate planning, mutual funds, strategic asset management accounts, and variable and fixed annuities. Further, it offers a range of fiduciary and asset management, wealth management, investment management, financial planning, and trustee services. Camden National Corporation was founded in 1875 and is headquartered in Camden, Maine.