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BAFN Stock Chart & Stats
$6.03
$0.25(4.33%)
At close: 4:00 PM EDT
$6.03
$0.25(4.33%)
Day’s Range― - ―
52-Week Range$4.26 - $13.60
Previous CloseN/A
Volume19.95K
Average Volume (3M)11.15K
Market Cap
$27.23M
Enterprise Value$55.55
Total Cash (Recent Filing)$6.85M
Total Debt (Recent Filing)$20.58M
Price to Earnings (P/E)―
Beta0.63
Next Earnings
Aug 13, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield1.21%
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda>-0.01
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
Capital Raise & Pro Forma Capital ImprovementThe $80M PIPE and planned $42M intra-company contribution materially bolster regulatory capital on a pro forma basis, creating a durable buffer to absorb legacy losses, fund asset resolution and support measured community lending. Stronger capital reduces near-term regulatory pressure and lowers forced asset-sale risk.
Solid Liquidity And Funding ProfileHigh liquidity and absence of wholesale borrowings provide a stable funding base to manage loan workouts, deposit runoff and operational needs without urgent external refinancing. That durable liquidity cushion supports orderly execution of the asset resolution plan and targeted local lending over coming quarters.
Positive Operating & Free Cash FlowConsistent positive operating and free cash flow indicate the core banking franchise continues generating internal cash to fund operations and loss-absorption. While free cash flow is trending down, the cash-generation base supports remediation efforts and reduces reliance on immediate external liquidity injections.
Bears Say
Deteriorating Profitability And Revenue DeclineA material swing to net losses and declining revenue erodes equity and returns (negative ROE), constraining the bank's ability to rebuild reserves and invest in growth. Persistent loss-making trends undermine sustainable earnings power and may necessitate further capital or cost restructuring if not reversed soon.
SBA 7(a) Credit Concentration & Elevated Charge-offsHeavy exposure to unguaranteed SBA 7(a) loans has driven outsized charge-offs and elevated provisions, amplifying earnings volatility and reserve needs. This concentration raises the risk of further credit losses, tying up capital and limiting the bank’s ability to redeploy capital into core lending over the medium term.
Financial Reporting Restatements And Reporting DelayRestatements and delayed reporting signal control or accounting weaknesses, increasing regulatory scrutiny and investor uncertainty. Such governance issues can impair access to capital, delay strategic actions, and prolong market distrust, making recovery and execution of turnaround plans harder over the next several months.
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 $13.60 in the past 12 months.
What is BayFirst Financial Corp’s market cap?
BayFirst Financial Corp’s market cap is $27.23M.
When is BayFirst Financial Corp’s upcoming earnings report date?
BayFirst Financial Corp’s upcoming earnings report date is Aug 13, 2026 which is in 10 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 N/A.
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 1.21%. 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 (BAFN) is a U.S. bank holding company whose primary operating subsidiary is BayFirst National Bank. The company operates in the financial services sector, providing a range of banking products and services that typically include deposit accounts, commercial and consumer lending, and related treasury and payment services to individuals and businesses within its banking footprint.
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
70.22% Public Companies and
Individual Investors