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 - $15.45
Previous CloseN/A
Volume1.76K
Average Volume (3M)11.15K
Market Cap
$20.33M
Enterprise Value$34.19M
Total Cash (Recent Filing)$6.85M
Total Debt (Recent Filing)$20.58M
Price to Earnings (P/E)―
Beta0.63
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 Cap1.68
Enterprise Value/Revenue0.40
Enterprise Value/Gross Profit1.23
Enterprise Value/Ebitda-1.04
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
RecapitalizationThe $80M private capital raise plus the planned rights offering materially restores regulatory capital buffers on a pro forma basis. Strongly improved capital ratios reduce regulatory constraint, lower near-term recapitalization risk, and provide a lasting platform to absorb losses and support prudent community lending.
Leadership & GovernanceInstallation of an experienced community-bank CEO and board refresh with investor representation strengthens governance and execution capability. Improved leadership quality increases odds of disciplined credit workout, focused local growth in Tampa Bay, and better strategic decision-making over the medium term.
Liquidity & Cash GenerationConsistent positive operating and free cash flow and a healthy liquidity buffer without reliance on wholesale funding provide durable funding flexibility. This lowers refinancing and liquidity risk, supports loan resolution and branch operations, and gives management time to execute a measured turnaround.
Bears Say
Profitability DeteriorationSustained operating losses erode tangible equity and produce negative ROE, weakening the franchise's ability to self-fund. Persistently negative earnings increase the likelihood of further capital raises, constrain strategic investments, and prolong the time needed to reestablish profitable community-bank operations.
SBA 7(a) Credit ConcentrationHigh exposure to unguaranteed SBA 7(a) loans has driven concentrated charge-offs and elevated provisions. This structural credit concentration requires ongoing reserves and disposal effort, limits new lending capacity, and keeps credit-cost volatility elevated until the legacy portfolio is meaningfully reduced.
Franchise Runoff & Margin PressureMeaningful loan and deposit runoff reduces interest-earning assets and core funding, compressing net interest income and economies of scale. Persistent runoff and lower NIM undermine sustainable revenue generation and make it harder to restore pre-loss profitability without reaccelerating stable, low-cost deposit growth.
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 $15.45 in the past 12 months.
What is BayFirst Financial Corp’s market cap?
BayFirst Financial Corp’s market cap is $20.33M.
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 36 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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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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