Dwight Clarke - Bay Banks Independent Director
Director
Mr. C. Dwight Clarke is Independent Director of Bay Banks of Virginia, Inc., with effect from May 20, 2013. C. Dwight Clarke is a Partner and Certified Public Accountant of Dehnert, Clarke Co., P.C., an accounting firm located in Irvington, Virginia. Mr. Clarke was associated with the firm since 1985 and a partner since June 1990. He works with clients throughout the counties of Lancaster, Northumberland, Middlesex and Mathews since 2013.
| Age | 54 |
| Tenure | 11 years |
| Professional Marks | CPA |
| Phone | 804-325-3775 |
| Web | http://www.baybanks.com |
Bay Banks Management Efficiency
The company has return on total asset (ROA) of (0.39) % which means that it has lost $0.39 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of (3.77) %, meaning that it created substantial loss on money invested by shareholders. Bay Banks' management efficiency ratios could be used to measure how well Bay Banks manages its routine affairs as well as how well it operates its assets and liabilities.The company currently holds 95.09 M in liabilities. Debt can assist Bay Banks until it has trouble settling it off, either with new capital or with free cash flow. So, Bay Banks' shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like Bay Banks sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Bay to invest in growth at high rates of return. When we think about Bay Banks' use of debt, we should always consider it together with cash and equity.
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Management Performance
| Return On Equity | -3.77 | |||
| Return On Asset | -0.39 |
Bay Banks Leadership Team
Elected by the shareholders, the Bay Banks' board of directors comprises two types of representatives: Bay Banks inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Bay. The board's role is to monitor Bay Banks' management team and ensure that shareholders' interests are well served. Bay Banks' inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, Bay Banks' outside directors are responsible for providing unbiased perspectives on the board's policies.
| Robert Hurliman, Lead Independent Chairman of the Board | ||
| C Boyd, Executive Vice President | ||
| James McNeer, Director | ||
| James VanLandingham, Director | ||
| Eric Nost, President and CEO of VCB Financial Group, Inc | ||
| Ramsey Hamadi, Chief Strategic Officer | ||
| Larry Tucker, Director | ||
| Julien Patterson, Director | ||
| Douglas Jenkins, VP | ||
| James Wilson, CFO, Executive Vice President | ||
| Frank Scott, Chairman of the Board | ||
| Pamela Varnier, Corporate Secretary | ||
| Elizabeth Crowther, Independent Director | ||
| Judy Gavant, CFO, Executive Vice President | ||
| Gary Armstrong, Executive Vice President | ||
| Deborah Evans, CFO and Treasurer | ||
| Dwight Clarke, Independent Director | ||
| Lawrence Ashworth, Director | ||
| Kenneth Bransford, Director | ||
| Vance Spilman, Director | ||
| Randal Greene, Vice Chairman, CEO and President CEO of Bank of Lancaster and President of Bank of Lancaster and Director of Bank of Lancaster | ||
| Richard Farmar, Independent Director | ||
| Rodes Boyd, Executive Vice President |
Bay Stock Performance Indicators
The ability to make a profit is the ultimate goal of any investor. But to identify the right otc bb equity is not an easy task. Is Bay Banks a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.
| Return On Equity | -3.77 | |||
| Return On Asset | -0.39 | |||
| Profit Margin | (12.44) % | |||
| Operating Margin | 25.84 % | |||
| Current Valuation | 160.92 M | |||
| Shares Outstanding | 13.33 M | |||
| Shares Owned By Insiders | 7.06 % | |||
| Shares Owned By Institutions | 19.64 % | |||
| Price To Earning | 14.00 X | |||
| Price To Book | 1.04 X |
Pair Trading with Bay Banks
One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if Bay Banks position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in Bay Banks will appreciate offsetting losses from the drop in the long position's value.The ability to find closely correlated positions to Baxter International could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace Baxter International when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back Baxter International - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling Baxter International to buy it.
The correlation of Baxter International is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as Baxter International moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if Baxter International moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for Baxter International can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.Check out Trending Equities to better understand how to build diversified portfolios. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in manufacturing. You can also try the Commodity Directory module to find actively traded commodities issued by global exchanges.
Other Consideration for investing in Bay OTC BB Equity
If you are still planning to invest in Bay Banks check if it may still be traded through OTC markets such as Pink Sheets or OTC Bulletin Board. You may also purchase it directly from the company, but this is not always possible and may require contacting the company directly. Please note that delisted stocks are often considered to be more risky investments, as they are no longer subject to the same regulatory and reporting requirements as listed stocks. Therefore, it is essential to carefully research the Bay Banks' history and understand the potential risks before investing.
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