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BAFN Stock Chart & Stats
$7.57
$0.24(1.81%)
At close: 4:00 PM EST
$7.57
$0.24(1.81%)
Day’s Range― - ―
52-Week Range$4.26 - $15.28
Previous CloseN/A
Volume1.76K
Average Volume (3M)11.15K
Market Cap
$22.46M
Enterprise Value$34.39M
Total Cash (Recent Filing)$6.85M
Total Debt (Recent Filing)$20.58M
Price to Earnings (P/E)―
Beta0.63
Next Earnings
Jul 30, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield4.1%
Share Statistics
EPS (TTM)-7.23
Shares Outstanding4,106,905
10 Day Avg. Volume16,746
30 Day Avg. Volume11,146
Financial Highlights & Ratios
PEG Ratio<0.01
Price to Book (P/B)0.37
Price to Sales (P/S)0.31
P/FCF Ratio0.11
Enterprise Value/Market Cap1.53
Enterprise Value/Revenue0.40
Enterprise Value/Gross Profit1.23
Enterprise Value/Ebitda-1.10
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Pro Forma Capital StrengthThe $80M PIPE plus a $42M intra-company contribution materially improves regulatory capital ratios to pro forma Tier 1 ~10.02% and total capital/RWA ~14.4%. This durable capital restoration reduces near-term solvency risk, supports regulatory compliance and funds a multi-quarter turnaround and legacy asset resolution.
Cash Generation & LiquidityConsistent positive operating and free cash flow provides an enduring liquidity buffer to fund credit workouts, cover losses and support operations without reliance on volatile wholesale funding. Combined with ~13.8% reported bank liquidity and no wholesale borrowings, cash generation gives management time to execute restructuring.
Management & Governance RefreshNew experienced community-bank leadership and board additions signal a structural governance upgrade aimed at refocusing on core Tampa Bay franchise, improving execution and restoring market credibility. Stronger management increases probability of disciplined capital deployment and sustained operational improvement.
Bears Say
Deteriorated ProfitabilityA sustained swing to sizable net losses and materially negative ROE erodes tangible capital and limits internal funding for growth. Persistently negative operating profitability pressures reserves and may necessitate further external capital or structural cost reduction, challenging the bank's ability to re-scale profitably.
SBA Credit Concentration & Charge-offsConcentration in unguaranteed SBA 7(a) balances drives disproportionate charge-offs and elevated provisions. This credit concentration creates protracted loss risk, forces higher ACL coverage and diverts management effort to asset resolution, limiting sustainable lending capacity and margin recovery for several quarters.
Loan & Deposit ContractionMaterial deposit outflows and a YoY loan decline shrink earning assets and reduce net interest income scale. Persistent runoff raises funding cost and liquidity risk, constrains new loan origination, and undermines community-bank revenue base needed to rebuild margins and restore long-term profitability.
BayFirst Financial Corp News
BAFN FAQ
What was BayFirst Financial Corp’s price range in the past 12 months?
BayFirst Financial Corp lowest stock price was $4.26 and its highest was $15.28 in the past 12 months.
What is BayFirst Financial Corp’s market cap?
BayFirst Financial Corp’s market cap is $22.46M.
When is BayFirst Financial Corp’s upcoming earnings report date?
BayFirst Financial Corp’s upcoming earnings report date is Jul 30, 2026 which is in 21 days.
How were BayFirst Financial Corp’s earnings last quarter?
BayFirst Financial Corp released its earnings results on Apr 30, 2026. The company reported -$1.476 earnings per share for the quarter, missing the consensus estimate of N/A by -$1.476.
Is BayFirst Financial Corp overvalued?
According to Wall Street analysts BayFirst Financial Corp’s price is currently Overvalued.
Does BayFirst Financial Corp pay dividends?
BayFirst Financial Corp pays a Quarterly dividend of $0.08 which represents an annual dividend yield of 4.1%. See more information on BayFirst Financial Corp dividends here
What is BayFirst Financial Corp’s EPS estimate?
BayFirst Financial Corp’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does BayFirst Financial Corp have?
BayFirst Financial Corp has 4,106,905 shares outstanding.
What happened to BayFirst Financial Corp’s price movement after its last earnings report?
BayFirst Financial Corp reported an EPS of -$1.476 in its last earnings report, missing expectations of N/A. Following the earnings report the stock price went down -23.529%.
Which hedge fund is a major shareholder of BayFirst Financial Corp?
Currently, no hedge funds are holding shares in BAFN
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
BayFirst Financial Corp
Founded in 1999 and headquartered in Saint Petersburg, Florida, BayFirst Financial Corp. functions as the parent entity for First Home Bank. This financial institution offers a comprehensive array of commercial and consumer banking solutions for both businesses and individual clients. Its product portfolio includes various deposit accounts such as checking, savings, and certificates of deposit. Borrowers can access a range of home financing options, including residential mortgages, home equity loans, and home equity lines of credit. For businesses, specialized lending programs are available, encompassing minority lending initiatives, PPP loan forgiveness services, SBA loans, and general commercial lending. Furthermore, the company provides treasury management, merchant services, online banking, investment products, and credit cards. As of January 26, 2022, BayFirst Financial Corp. operated seven full-service branch locations across Florida in St. Petersburg, Seminole, Pinellas Park, Clearwater, Sarasota, Tampa, and Belleair Bluffs, alongside 23 mortgage loan production offices. The firm adopted its current name in May 2021, having previously operated as First Home Bancorp, Inc.
BAFN Company Deck
BAFN Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Neutral
The call presents a mix of meaningful positives and notable near-term challenges. The successful $80 million capital raise, pro forma improvement in capital ratios to healthy levels, appointment of an experienced community-bank CEO, and an adequate liquidity position are significant positives that materially strengthen the bank's ability to address legacy issues. Offsetting these are continued operating losses (net loss widened to $5.7M), contraction of loans and deposits, margin pressure (NIM down 16 bps), elevated charge-offs concentrated in the unguaranteed SBA 7(a) portfolio (~$159M) and higher noninterest expenses related to legacy serving. Overall, the capital and leadership actions position the bank to stabilize, but the underlying credit metrics and profitability trends remain challenged in the near term.View all BAFN earnings summariesTechnical Analysis
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Home Federal Bancorp Of Louisiana
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Optimumbank Holdings
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Texas Community
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Ownership Overview
14.86% Insiders
4.41% Mutual Funds
6.57% Other Institutional Investors
70.22% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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