Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
BAFN
SellSinkerBayFirst Financial Corp. · Financial Services · United States · $178M · Avg Vol: $397K/d
24
StockRankGet insider-trade alerts
Q
33
V
33
M
45
P/E (TTM)
—
ROE
-52.4%
D/E
0.3x
Dividend %
—
COMPANY DESCRIPTION
BayFirst Financial Corp. is a bank holding company that operates through its subsidiary, BayFirst National Bank, providing a range of commercial and consumer banking services. The bank maintains a regional footprint with a focus on serving small-to-medium-sized businesses and individuals in Florida.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM |
|---|---|---|---|---|---|---|
| Revenue | 57.8M | 78.8M | 77.9M | 55.1M | -1.6% | -9.4M |
| EPS | -0.04 | 0.18 | 0.32 | -0.96 | 81.2% | — |
| Shares | 27.0M | 27.0M | 27.0M | 27.0M | 0.0% | 27.0M |
| Debt | 37.4M | 21.0M | 22.4M | 20.8M | -17.7% | 19.9M |
| Equity | 91.9M | 100.7M | 106.6M | 81.6M | -3.9% | — |
| Op CF | 440.3M | 454.8M | 393.4M | 288.8M | -13.1% | 143.2M |
| Inv CF | -510.6M | -641.3M | -518.8M | -198.5M | — | — |
| Fin CF | 26.7M | 178.8M | 144.8M | 38.8M | — | — |
Loading 1Y...
PRICE (1Y)+32.4%
SMA 50SMA 200
Close
$8.18
RSI (14)
59.8
52W High
$11.34
From 52W High
0.7%
SCORE BREAKDOWN
Quality
33
ROIC (ROA)
-4.7%*5.2
ROE
-52.4%2.0
GP/Assets
-0.7%N/A
Op. Margin
164.7%99.6
FCF/Assets
16.0%N/A
Piotroski
446.2
Int. Cover
—50.0
D/E Ratio
0.26xN/A
Current Ratio
bankN/A
Value
33
P/E (TTM)
—N/A
EV/EBITDA
bankN/A
P/FCF
0.9xN/A
P/B
1.1x54.5
P/S
-19.4x25.0
Div Yield
—N/A
Momentum
45
52W High %
72%18.5
RS 6M
36%94.5
SMA 50/200
0.96x18.2
EPS Rev 4W
—N/A
EPS Rev 12W
—N/A
EPS Improve
—N/A
Q Growth
—N/A
FUNDAMENTALS
Market Cap
$178M
P/E (Forward)
—
Gross Margin
—
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of BAFN are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| BAFN | BayFirst Financial Corp.(you) | $178M | 24 | Sell |
| BCBP | BCB Bancorp, Inc. | $156M | 21 | Sell |
| FINW | FinWise Bancorp | $209M | 16 | Strong Sell |
| FNWB | First Northwest Bancorp | $108M | 23 | Sell |
| SRBK | SR Bancorp, Inc. | $142M | 31 | Sell |
| GBFH | GBank Financial Holdings Inc. | $292M | 22 | Sell |
| HYNE | Hoyne Bancorp, Inc. | $134M | 17 | Strong Sell |
| FGBI | First Guaranty Bancshares, Inc. | $144M | 16 | Strong Sell |
| WSBK | Winchester Bancorp, Inc. | $116M | 28 | Sell |
| FNWD | Finward Bancorp | $188M | 36 | Hold |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%