Head-To-Head Survey: Bay National (OTCMKTS:BAYN) vs. Truist Financial (NYSE:TFC)

Truist Financial (NYSE:TFC) and Bay National (OTCMKTS:BAYN) are both finance companies, but which is the better stock? We will compare the two companies based on the strength of their profitability, dividends, valuation, risk, institutional ownership, analyst recommendations and earnings.

Analyst Recommendations

This is a breakdown of current ratings and price targets for Truist Financial and Bay National, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Truist Financial	0	6	10	0	2.63
Bay National	0	0	0	0	N/A

Truist Financial presently has a consensus price target of $41.97, suggesting a potential upside of 9.54%. Given Truist Financial’s higher probable upside, analysts plainly believe Truist Financial is more favorable than Bay National.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Truist Financial	-4.28%	9.15%	0.92%
Bay National	N/A	N/A	N/A

Earnings & Valuation

This table compares Truist Financial and Bay National’s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Truist Financial	$33.25 billion	1.54	-$1.09 billion	($1.32)	-29.03
Bay National	N/A	N/A	N/A	N/A	N/A

Bay National has lower revenue, but higher earnings than Truist Financial.

Risk and Volatility

Truist Financial has a beta of 1.08, suggesting that its stock price is 8% more volatile than the S&P 500. Comparatively, Bay National has a beta of 1.56, suggesting that its stock price is 56% more volatile than the S&P 500.

Institutional and Insider Ownership

71.3% of Truist Financial shares are held by institutional investors. 0.2% of Truist Financial shares are held by insiders. Comparatively, 17.8% of Bay National shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Summary

Truist Financial beats Bay National on 6 of the 9 factors compared between the two stocks.

About Truist Financial

Truist Financial Corporation, a financial services company, provides banking and trust services in the Southeastern and Mid-Atlantic United States. The company operates through three segments: Consumer Banking and Wealth, Corporate and Commercial Banking, and Insurance Holdings. Its deposit products include noninterest-bearing checking, interest-bearing checking, savings, and money market deposit accounts, as well as certificates of deposit and individual retirement accounts. The company provides funding; asset management; automobile lending; credit card lending; consumer finance; home equity and mortgage lending; other direct retail lending; insurance; investment brokerage; mobile/online banking; payment solutions; point-of-sale lending; retail and small business deposit products; small business lending; and wealth management/private banking services. In addition, it offers asset based lending, investment banking and capital market, institutional trust, insurance premium finance, derivatives, commercial lending, international banking, leasing, merchant, commercial deposit and treasury, floor plan, mortgage warehouse lending, real estate lending, and supply chain financing services. Further, the company provides insurance brokerage, retail and wholesale brokerage, securities underwriting and market making, loan syndication, and investment management and advisory services. The company was formerly known as BB&T Corporation and changed its name to Truist Financial Corporation in December 2019. Truist Financial Corporation was founded in 1872 and is headquartered in Charlotte, North Carolina.

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.