BayFirst Financial Corp (BAFN)
NASDAQ:BAFN
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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$4.80 - $16.35
Previous CloseN/A
Volume1.76K
Average Volume (3M)11.15K
Market Cap
$26.24M
Enterprise Value$39.98M
Total Cash (Recent Filing)$6.85M
Total Debt (Recent Filing)$20.58M
Price to Earnings (P/E)―
Beta0.58
Next Earnings
Jul 23, 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 Cap1.52
Enterprise Value/Revenue0.46
Enterprise Value/Gross Profit1.44
Enterprise Value/Ebitda-1.14
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
Stable Operating And Free Cash FlowConsistent positive operating and free cash flow provides a durable liquidity cushion to fund operations, cover elevated provisions, and support incremental credit resolution without immediate reliance on wholesale funding. This underpins short-to-medium term resilience while earnings recover.
Successful $80M Capital Raise And Rights OfferingThe $80M PIPE plus planned $42M intra-company contribution materially improves pro forma capital (Tier 1 leverage to ~10.02%, total capital/RWA to ~14.4%). Stronger capital ratios reduce regulatory strain, increase loss-absorbing capacity and enable strategic focus on core community lending.
Board And Executive Refresh With Community-banking ExpertiseBringing an experienced Tampa Bay community-banker into the CEO role and adding board expertise improves management quality and governance. This enhances execution credibility with regulators and investors and supports a disciplined, localized turnaround strategy focused on sustainable franchise rebuilding.
Bears Say
Sustained Profitability DeteriorationPersistent net losses and double-digit revenue decline erode retained earnings and ROE, reducing internal capital generation and limiting capacity to invest in growth or absorb future credit stress. If this trend persists, the bank will need repeated external capital or deeper restructuring to restore profitability.
Concentration In Risky Unguaranteed SBA 7(a) LoansHeavy losses tied to unguaranteed SBA 7(a) exposures raise loss volatility and force higher ACL coverage. This concentration limits risk diversification, requires sustained runoff and provisioning, and constrains the bank's appetite to re-deploy capital into higher-return community lending until credit metrics normalize.
Shrinking Balance Sheet And Margin PressureDeclines in loans and deposits reduce interest-earning assets and funding stability, while NIM compression directly lowers core revenue. A smaller, lower-margin balance sheet diminishes operating leverage, making it harder to restore sustainable net interest income and profitability even after capital and management fixes.
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 $4.80 and its highest was $16.35 in the past 12 months.
What is BayFirst Financial Corp’s market cap?
BayFirst Financial Corp’s market cap is $26.24M.
When is BayFirst Financial Corp’s upcoming earnings report date?
BayFirst Financial Corp’s upcoming earnings report date is Jul 23, 2026 which is in 57 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
BayFirst Financial Corp. operates as the bank holding company for First Home Bank that provides commercial and consumer banking services for businesses and individuals. The company offers checking and savings accounts, and certificates of deposit. It also provides home loans, including residential mortgages, home equity loans, and home equity lines of credit; and business lending services comprising minority lending programs, PPP loan forgiveness services, SBA loans, and commercial lending services. In addition, the company offers treasury management, merchant, online, and investment services; and credit cards. As of January 26, 2022, it operated seven full-service office locations in St. Petersburg, Seminole, Pinellas Park, Clearwater, Sarasota, Tampa, and Belleair Bluffs, Florida; and 23 mortgage loan production offices. The company was formerly known as First Home Bancorp, Inc. and changed its name to BayFirst Financial Corp. in May 2021. BayFirst Financial Corp. was founded in 1999 and is headquartered in Saint Petersburg, Florida.
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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Texas Community
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Ownership Overview
14.86% Insiders
4.41% Mutual Funds
6.57% Other Institutional Investors
70.30% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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