Bay National (OTCMKTS:BAYN) & Camden National (NASDAQ:CAC) Critical Survey

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

Earnings & Valuation

This table compares Camden National and Bay National”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Camden National	$257.28 million	2.35	$43.38 million	$2.97	13.95
Bay National	N/A	N/A	N/A	N/A	N/A

Camden National has higher revenue and earnings than Bay National.

Analyst Recommendations

This is a breakdown of current ratings and recommmendations for Camden National and Bay National, as provided by MarketBeat.com.

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

Camden National currently has a consensus price target of $41.50, suggesting a potential upside of 0.19%. Given Camden National’s higher possible upside, equities research analysts clearly believe Camden National is more favorable than Bay National.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Camden National	16.01%	10.36%	0.89%
Bay National	N/A	N/A	N/A

Insider & Institutional Ownership

77.4% of Camden National shares are owned by institutional investors. 1.9% of Camden National shares are owned by insiders. Comparatively, 17.8% of Bay National shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Volatility & Risk

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

Summary

Camden National beats Bay National on 6 of the 8 factors compared between the two stocks.

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.

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.