Bay Banks of Virginia Income Statement - Quarterly (OTCMKTS:BAYK)

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$7.98 $0.21 (2.7%) BAYK stock closing price Jan 18, 2017 (Closing)

Stock analysis based on fundamentals means looking at financial statements in addition to the Bay Banks of Virginia stock price. An income statement is one of the three key financial statements furnished by a company, the other two being the balance sheet and the cashflow statement. The income statement for BAYK which implies a QoQ revenue growth of $0.41M is specific to a period of time. Investors typically check YoY or QoQ revenue growth. Along with Bay Banks of Virginia assets and Bay Banks of Virginia free cash flow, profits as shown in profit and loss statement give key insights about the business. The profits have increased from $0.59M QoQ and 2016-Q3 revenue is $5.89M. View details of revenue and profits for Bay Banks of Virginia for latest & last 40 quarters.

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Annual
Quarterly
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Fiscal year is Jan - Dec. 2016-Q3 2016-Q2 2016-Q1 2015-Q4 2015-Q3 2015-Q2 2015-Q1 2014-Q4 2014-Q3 2014-Q2
Bay Banks of Virginia Net Sales or Revenues
5.89M5.48M5.21M5.1M4.85M4.87M4.79M4.67M4.59M4.09M
Cost Of Goods Sold (COGS)0.64M0.64M0.64M0.66M0.64M0.57M0.51M0.5M0.45M0.44M
Bay Banks of Virginia Gross Profit
5.24M4.83M4.56M4.44M4.21M4.3M4.27M4.21M4.12M3.63M
Research & Development Expense----------
Selling General & Admin Expense3.82M3.81M3.64M5.2M3.66M3.82M3.71M3.33M3.36M3.26M
Income Before Depreciation Depletion Amortization1.42M1.01M0.92M-0.76M0.54M0.48M0.56M0.88M0.76M0.37M
Depreciation Depletion Amortization----------
Non Operating Income----------
Interest Expense0.24M0.24M0.24M0.22M0.21M0.13M0.08M0.1M0.07M0.08M
Bay Banks of Virginia Pretax Income
1.18M0.77M0.67M-0.98M0.33M0.35M0.47M0.79M0.68M0.28M
Provision for Income Taxes0.32M0.19M0.15M-0.37M0.05M0.05M0.09M0.19M0.17M0.02M
Minority Interest----------
Investment Gains Losses----------
Other Income----------
Income Before Extraordinaries & Disc Operations0.85M0.59M0.52M-0.13M0.28M0.29M0.38M0.6M0.51M0.26M
Extraordinary Items & Discontinued Operations----------
Bay Banks of Virginia Net Income (Profit/Loss)
0.85M0.59M0.52M-0.13M0.28M0.29M0.38M0.6M0.51M0.26M
Average Shares used to compute Diluted EPS4.8M4.8M4.79M4.78M4.8M4.82M4.82M4.83M4.83M4.84M
Average Shares used to compute Basic EPS4.78M4.78M4.78M4.78M4.78M4.8M4.81M4.82M4.82M4.82M
Income Before Nonrecurring Items0.85M0.59M0.52M-0.13M0.28M0.29M0.38M0.6M0.51M0.26M
Income from Nonrecurring Items----------
Bay Banks of Virginia Earnings Per Share Basic Net
0.180.120.11-0.030.060.060.080.120.110.05
Bay Banks of Virginia Earnings Per Share Diluted Net
0.180.120.11-0.030.060.060.080.120.110.05
EPS Diluted Before Nonrecurring Items0.180.120.11-0.030.060.060.080.120.110.05
Preferred Dividends Acc Pd----------
Dividends Common----------
Dividend Per Share Common----------
All figures in USD. M: Millions of USD, B: Billions of USD.
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It is very helpful to read a report on Bay Banks of Virginia stock analysis. An investor must check the following items in an income statement:
  • Topline: A growing topline, as seen from the Bay Banks of Virginia revenue chart, as is the case with Bay Banks of Virginia indicates a growing business. One needs to compare the QoQ or YoY topline growth of BAYK stock with its peers like VBFC stock and CBCO stock to see if the growth compares well with what can be expected for a company in that industry.
  • Bottom line: The Bottomline or the net income figure is arrived at by deducting all expenses from the topline which in this case is $5.89M - other expenses = $0.85M for BAYK stock. An improving bottomline implies that the company is growing profits.
The income statement is also called the profit and loss statement. Apart from the income statement, one can check the Bay Banks of Virginia historical stock prices to check how the price has moved with time. .

Bay Banks of Virginia Income Statement - Key Financial Ratios

PE ratio (price earnings ratio)
21.0000
PS ratio (
price sales ratio
)
1.7594
Operating margin
24.1
Net profit margin
14.4
Dividend yield
0%