BayFirst Financial Corp. (BAFN)

NASDAQ: BAFN · USD

$6.45

+0.43 (+7.1%)· Recorded snapshot

Market cap	173.9M
Revenue (ttm)	-9.4M
Net income (ttm)	-60.3M
EPS (ttm)	-$14.6
Shares out	27M
Volume	92,910
Beta	0.46

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): -9.4M
Net income (ttm): -60.3M
EPS (ttm): -$14.6
Market cap: 173.9M

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	Активно покупать
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	Активно покупать
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	Держать

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/En/a

P25 n/aP50 n/aP75 n/a

Trailing P/En/a

P25 n/aP50 n/aP75 n/a

ROE-52.4

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All BAFN indicators

Market & fundamental data

Available fields

190

Groups with data

Currency

USD

Showing 190 of 190 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	USD
CIK code	0001649739
Company name	BayFirst Financial Corp.
Country	United States
Country code	US
CUSIP number	07279B104
Earnings date	2026-10-29
Earnings time	amc
Employees	148
Employees change	-152
Employees growth	-50.67%
Enterprise value	$54.7M
Exchange	NASDAQ
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	1999
Industry	Banks - Regional
Is primary listing	Yes
Is SPAC	No
ISIN number	US07279B1044
Last 10-K release date	2026-03-27
Last earnings date	2026-08-13
Last refreshed	2026-10-28
Last stock split date	2021-05-12
Last stock split type	Forward
Market cap	$173.9M
Market cap category	Micro-Cap
Next earnings date	2026-10-29
Options	No
Price	$6.45
Price currency	USD
Sector	Financials
SIC code	6022
Stock price date	2026-10-28
Symbol	BAFN
U.S. state	Florida
Website	https://www.bayfirstfinancial.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Average P/E ratio (3Y)	10.52x
Average P/E ratio (5Y)	27.41x
Earnings yield	-227.11%
EV/FCF	0.34x
FCF / EV yield	293.57%
FCF yield	85.16%
Industry forward P/E	9.95x
Industry P/E	11.8x
P/B ratio	0.96x
P/FCF ratio	1.17x
P/OCF ratio	1.17x
Price / tangible book value	6.55x
Sector forward P/E	13.61x
Sector P/E	15.68x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Operating margin	735.69%
Pretax margin	837.93%
Profit per employee	$-407,304
ROA	-4.74%
ROA (5Y)	0.24%
ROE	-52.42%
ROE (5Y)	2.32%
SBC / revenue	-1.42%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth years	0
FCF growth	-56.25%
FCF growth (Q)	-99.6%
FCF growth 3Y	-32.64%
Net income growth years	0
OCF growth	-56.28%
OCF growth (Q)	-99.44%
OCF growth 3Y	-33.14%
OCF growth 5Y	142.26%
Revenue growth	-52.73%
Revenue growth years	0

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$-141,000
EPS	$-14.65
FCF per share	$5.31
Financing cash flow	$-142.1M
Free cash flow	$143M
Gross profit	$-9.4M
Income taxes	$-20.3M
Investing cash flow	$60.8M
Net borrowing	$-40.5M
Net cash flow	$61.9M
Net income	$-60.3M
Operating income	$-69.4M
Revenue	$-9.4M
Stock-based compensation	$134,000

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	$6.25
Debt / equity	0.17
Debt / FCF	0.14
Net cash (debt)	$119.3M
Net cash / market cap	70.99%
Net cash growth	597.63%
Net debt / equity	-1.03
Net debt / FCF	-0.83
Piotroski F-Score	2
Property, plant and equipment	$44M
Shareholders' equity	$115.9M
Tangible book value	$25.7M
Tangible book value per share	$6.25
Total assets	$1.1B
Total cash	$139.2M
Total debt	$19.9M
Total liabilities	$1B
WACC	6.07%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	$-854.6M

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	10.35%
Dividend growth (3Y)	2.17%
Dividend growth (5Y)	3.71%
Dividend growth years	0
Dividend payment date	2025-06-15
Dividend payment years	10
Dividend per share	$0.00
Dividend yield	0%
Last dividend	$0.08
Shareholder yield	10.35%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
150-day SMA	$6.56
1D price change	7.14%
1M price change	-6.92%
1M total return	-6.92%
1W price change	-5.74%
1W total return	-5.74%
1Y price change	-32.78%
1Y return CAGR	-32.8%
1Y total return	-32.78%
20-day SMA	$6.50
200-day SMA	$6.54
3M price change	3.35%
3M total return	3.35%
3Y price change	-36.11%
3Y return CAGR	-12.64%
3Y total return	-33.34%
50-day SMA	$7.19
50-day SMA vs 200-day SMA	50over200
52-week high	$9.70
52-week high date	2025-10-29
52-week low	$4.26
52-week low date	2026-06-24
5Y price change	-78.74%
5Y return CAGR	-25.48%
5Y total return	-77.01%
6M price change	-22.11%
6M total return	-22.11%
All-time high	$41.00
All-time high date	2021-07-16
All-time low	$4.26
All-time low date	2026-06-24
Average true range (ATR)	$0.67
Average volume	93.7K
Beta (1Y)	-0.38
Beta (2Y)	0.23
Beta (5Y)	0.46
Change from 52-week high	-33.48%
Change from 52-week low	51.44%
Change from all-time high	-84.57%
Change from all-time low	48.51%
Change from open	5.22%
Day's gap	1.83%
Dollar volume	$599,270
High price	$6.45
Low price	$6.13
Monthly RSI	38.96
Open price	$6.13
Position in 52-week range	100%
Previous close	$6.02
Price vs 150-day SMA	-3.64%
Price vs 20-day SMA	-2.71%
Price vs 200-day SMA	-3.26%
Price vs 50-day SMA	-12.08%
Relative volume	0.99
RSI	45.85
Sharpe ratio	-0.23
Sharpe ratio (3Y)	-0.12
Sharpe ratio (5Y)	-0.13
Sortino ratio	-0.24
Sortino ratio (3Y)	-0.07
Sortino ratio (5Y)	-0.09
Volume	92.9K
Weekly RSI	47.52
YTD price change	-19.43%
YTD total return	-19.43%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	10.6M
Float percentage	39.44%
Shares change (QoQ)	-0.01%
Shares change (YoY)	-10.35%
Shares held by insiders	60.56%
Shares held by institutions	3.31%
Shares outstanding	27M
Short % of float	6.09%
Short % of shares	2.4%
Short ratio	3.5 days

Deeper analysis on BAFN

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

→

Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

→

Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

→

Frequently asked questions

About this BAFN report

Is a complete BAFN research report available?

No complete published report is available for BayFirst Financial Corp. (BAFN) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

BayFirst Financial Corp. (BAFN)

Price

Financial snapshot

Fair-value bridge

Latest news · BAFN

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All BAFN indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on BAFN

Frequently asked questions