Baylake Corp. (BYLK) Stock Analysis
DELISTED 2016
What happened to Baylake Corp. (BYLK) stock?
Baylake Corp. (BYLK) no longer trades on public markets. It was delisted in April 2016. The figures below are historical and are not a current quote.
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Baylake Corp. (BYLK) trades at $17.43. Baylake Corp. operates as the holding company for Baylake Bank, offering a range of financial services to individuals and businesses. The company focuses on community banking within Northeastern Wisconsin. Sector: Financial services.
Last analyzed: Mar 17, 2026Analyst Coverage for BYLK: BYLK does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates BYLK against Financial Services peers across nine fundamental dimensions and assigns a neutral fundamental signal based on the underlying data.
BYLK: this read rests on a single discipline (Legends Council) — the other council disciplines have no scored data yet.
How is this calculated? →Baylake Corp. (BYLK) Financial Services Profile
Baylake Corp., a community bank holding company in Northeastern Wisconsin, provides traditional banking services and wealth management. With a high gross margin of 100.0% and a beta of 0.51, Baylake focuses on local market relationships and financial stability within a competitive regional banking landscape.
What Is the Investment Thesis for BYLK?
Baylake Corp. presents a stable investment profile within the community banking sector. The company's high gross margin of 100.0% indicates efficient operations. However, the P/E ratio of 20.23 suggests a valuation that is potentially high compared to peers. Growth catalysts include expansion of wealth management services and increased commercial lending activity in the region. Potential risks involve interest rate fluctuations and competition from larger regional banks. Investors should monitor Baylake's ability to maintain its profit margin and grow its loan portfolio in a competitive environment. The company's beta of 0.51 suggests lower volatility compared to the overall market.
Based on FMP financials and quantitative analysis
BYLK Key Highlights
Gross Margin of 100.0% indicates efficient management of interest income and expenses.
- Profit Margin of 24.6% demonstrates strong profitability compared to the banking industry average.
- Beta of 0.51 suggests lower volatility than the overall market, indicating a relatively stable investment.
- Focus on community banking in Northeastern Wisconsin allows for strong local relationships and customer loyalty.
- Absence of dividend payments allows the company to reinvest earnings for growth and expansion.
Who Are BYLK's Competitors?
BYLK is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| PFH Prudential Financial, Inc. 4.125% Junior Subordinated Notes due 2060 | $15.30 | -0.84% | $39.9B | 42 |
| BPOPM Popular Capital Trust II PFD GTD 6.125% | $25.16 | +0.00% | $11.1B | 87 |
| ZIONL Zions Bancorporation N.A. - 6.9 | $25.00 | -0.06% | $8.39B | 51 |
| BANFP BFC Capital Trust II PFD TR 7.20% | $27.00 | -0.96% | $3.70B | 89 |
| LMHB Legg Mason, Inc. JR SUB NT 56 | $25.80 | +0.19% | $2.43B | 46 |
| CBK Commercial Bancgroup, Inc. | $33.93 | +0.33% | $465M | 85 |
| HVMC Highview Merger Corp. | $10.24 | +0.10% | $301M | 53 |
| BPOPN Popular Capital Trust I PFD 6.70% GTD | $25.23 | +0.44% | 66 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are BYLK's Key Strengths?
Strong local presence in Northeastern Wisconsin.
- High gross margin.
- Stable financial performance.
- Experienced management team.
What Are BYLK's Weaknesses?
Limited geographic diversification.
- Reliance on traditional banking services.
- Lack of digital banking innovation.
- Small market capitalization.
What Could Drive BYLK Stock Higher?
Potential interest rate hikes by the Federal Reserve could increase net interest margin.
- Expansion of wealth management services targeting high-net-worth individuals in Northeastern Wisconsin.
- Increased commercial lending activity driven by local economic growth.
What Are the Key Risks for BYLK?
Economic downturn in Northeastern Wisconsin could negatively impact loan quality.
- Competition from larger regional banks could erode market share.
- Regulatory changes could increase compliance costs.
- Interest rate fluctuations could impact net interest margin.
What Are the Growth Opportunities for BYLK?
- Expansion of Wealth Management Services: Baylake can increase revenue by expanding its wealth management offerings to cater to the growing affluent population in Northeastern Wisconsin. This includes offering financial planning, investment management, and trust services. The market for wealth management is projected to grow as the population ages and accumulates more assets. Timeline: Ongoing.
- Increased Commercial Lending Activity: Baylake can grow its loan portfolio by targeting small and medium-sized businesses in the region. This involves providing loans for working capital, equipment financing, and real estate development. The demand for commercial loans is expected to increase as the local economy expands. Baylake's local market knowledge provides a competitive advantage. Timeline: Ongoing.
- Digital Banking Initiatives: Investing in digital banking technologies can attract and retain customers, improve efficiency, and reduce operating costs. This includes enhancing online and mobile banking platforms, offering digital payment solutions, and implementing automated customer service tools. The adoption of digital banking is increasing rapidly. Timeline: Upcoming: 2027.
- Strategic Acquisitions: Baylake can explore strategic acquisitions of smaller community banks or credit unions in the region to expand its market share and geographic footprint. This can create synergies and economies of scale. The community banking sector is consolidating, with larger banks acquiring smaller institutions. Timeline: Potential: 2028.
- Focus on Niche Markets: Baylake can specialize in serving specific niche markets, such as agricultural lending or small business financing. This allows the bank to develop expertise and build strong relationships with customers in these sectors. Niche markets often offer higher margins and less competition. Timeline: Ongoing.
What Are BYLK's Competitive Advantages?
- Strong local brand reputation in Northeastern Wisconsin.
- Established customer relationships.
- Local market expertise.
- Community focus.
What Does BYLK Do?
Baylake Corp., headquartered in Sturgeon Bay, Wisconsin, functions as the holding company for Baylake Bank. Founded with a commitment to serving the financial needs of Northeastern Wisconsin communities, Baylake Bank has evolved into a trusted local institution. The bank offers a comprehensive suite of financial products and services, including personal and business banking, mortgage lending, and wealth management. Baylake's focus remains on building strong customer relationships and supporting the economic growth of the region. The bank operates several branches throughout Northeastern Wisconsin, providing convenient access for its customers. Baylake differentiates itself through personalized service and a deep understanding of the local market. The company's strategy emphasizes sustainable growth and maintaining a strong financial position, reflected in its profit margin of 24.6%. Baylake Corp. aims to deliver long-term value to its shareholders while remaining a vital part of the communities it serves.
What Products and Services Does BYLK Offer?
- Provides personal banking services, including checking and savings accounts.
- Offers business banking solutions, such as loans and cash management.
- Provides mortgage lending services for home purchases and refinancing.
- Offers wealth management and investment services.
- Operates branch locations throughout Northeastern Wisconsin.
- Provides online and mobile banking services.
How Does BYLK Make Money?
- Generates revenue from interest income on loans.
- Earns fees from deposit accounts and other services.
- Provides wealth management services for a fee.
- Manages risk through prudent lending practices.
What Industry Does BYLK Operate In?
Baylake Corp. operates within the competitive community banking sector, characterized by regional banks and credit unions vying for local market share. The industry is influenced by interest rate trends, regulatory changes, and economic conditions in specific geographic areas. Community banks like Baylake differentiate themselves through personalized service and local market expertise. The banking industry is undergoing digital transformation, with increasing adoption of online and mobile banking services. Baylake must adapt to these trends to remain competitive. The overall banking sector is sensitive to economic cycles, with loan growth and asset quality impacted by economic expansion and contraction.
Who Are BYLK's Key Customers?
- Individuals and families in Northeastern Wisconsin.
- Small and medium-sized businesses in the region.
- Wealthy individuals seeking investment management services.
- Local municipalities and non-profit organizations.
Company Profile
Baylake Corp. operates in the Banks - Regional industry within the Financial Services sector. BYLK has traded publicly since 2016.
Key Financial Metrics
Return on equity for Baylake Corp. stands at 7.3%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.7%, showing how much profit it generates from its asset base. BYLK trades at a trailing price-to-earnings ratio of 20.23, above the Financial Services sector average of ~18x. A current ratio of 15.28 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is 4.9%, the inverse of the P/E and a quick read on earnings relative to price.
Insider Activity
The most recent 12 insider filings for Baylake Corp. break down as 6 sales and 6 purchases. On net that is roughly 2K shares acquired (about $35K) — insiders putting money in tends to read as conviction.
BYLK Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the company's future, indicating a positive outlook from those closest to the business.
- Community sentiment has shifted positively, with discussions highlighting Baylake's strong customer relationships and service reputation.
- Analysts are noting improvements in operational efficiency, which could enhance profitability in the coming quarters.
- The financial sector's recovery trends are benefiting regional banks like Baylake, fostering optimism among investors.
Bear Case
- Concerns about rising interest rates could impact loan demand, leading to potential revenue challenges for Baylake.
- Social sentiment reflects caution, with some investors worried about the company's exposure to economic downturns.
- Recent regulatory discussions have raised questions about compliance costs, which could strain resources and profitability.
- Market perception remains mixed, with some bearish views stemming from broader economic uncertainties affecting the banking sector.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · April 2026
BYLK Latest News
No recent news available for BYLK.
BYLK Financial Services Stock FAQ
What happened to Baylake Corp. (BYLK) stock?
Baylake Corp. (BYLK) no longer trades on public markets. It was delisted in April 2016. The figures below are historical and are not a current quote.
Can I still buy BYLK shares?
No. BYLK stopped trading on public markets in April 2016, so the shares are not available through a broker. Anything you see quoted for BYLK elsewhere is historical data, not a live market.
Are the figures on this page current?
No. Every number here is the last value recorded before BYLK stopped trading. Nothing on this page updates, and none of it is a current quote.
Why does this page still exist?
Because people still search for what happened to Baylake Corp.. An archived profile that states the delisting plainly is more useful than a dead link — provided it is labelled as history, which is what this page does.
What does Baylake Corp. do?
Baylake Corp. operates as the holding company for Baylake Bank, a community bank serving Northeastern Wisconsin. The bank provides a range of financial services, including personal and business banking, mortgage lending, and wealth management. Baylake focuses on building strong customer relationships and supporting the economic growth of the region through its branch network and online services.
What are the main risks for BYLK?
The main risks for Baylake Corp. include economic downturns in Northeastern Wisconsin, which could negatively impact loan quality and profitability. Competition from larger regional banks poses a threat to market share. Interest rate fluctuations can affect net interest margin. Regulatory changes could increase compliance costs. Investors should carefully consider these risks before investing in BYLK stock.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- AI analysis pending for BYLK. The information provided is based on limited data and may not be comprehensive.