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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 - $11.34
Previous CloseN/A
Volume19.95K
Average Volume (3M)11.15K
Market Cap
$197.10M
Enterprise Value$125.05
Total Cash (Recent Filing)$212.92M
Total Debt (Recent Filing)$18.66M
Price to Earnings (P/E)―
Beta0.52
Next Earnings
Oct 22, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield1.33%
Share Statistics
EPS (TTM)-14.91
Shares Outstanding26,962,814
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
Stronger CapitalizationThe capital raise materially improves loss-absorption capacity and regulatory flexibility. Higher equity and capital ratios give BayFirst more time to resolve legacy exposures and rebuild its core community-banking franchise.
Positive Cash Generation And Moderate LeveragePositive operating cash flow and manageable reported leverage provide a financial cushion while the bank restructures. This supports liquidity and ongoing operations, although sustaining the benefit depends on restoring underlying profitability.
Improving Core Banking EconomicsA healthier normalized spread, lower funding costs and improving problem-loan trends indicate that the remaining core franchise can generate better earnings after legacy asset resolution, supporting a path toward sustainable local lending.
Bears Say
Severe Earnings And Revenue DeteriorationThe sharp revenue contraction and deeply negative profitability show that BayFirst's earnings power has materially weakened. Persistent losses can consume capital, restrict strategic investment and make the recovery dependent on successful remediation.
Material Reporting And Control FailuresRestated financial statements and identified internal-control failures reduce confidence in historical results and increase compliance and governance risk. Remediation may require sustained resources before reporting credibility and operating discipline are fully restored.
Shrinking Lending Base And Fee IncomeContracting loans and deposits reduce the earning-asset base and funding scale, while the SBA exit removes an established source of fee income. The strategic shift may improve risk quality but creates a durable revenue-rebuilding challenge.
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 $11.34 in the past 12 months.
What is BayFirst Financial Corp’s market cap?
BayFirst Financial Corp’s market cap is $197.10M.
When is BayFirst Financial Corp’s upcoming earnings report date?
BayFirst Financial Corp’s upcoming earnings report date is Oct 22, 2026 which is in 58 days.
How were BayFirst Financial Corp’s earnings last quarter?
BayFirst Financial Corp released its earnings results on Aug 13, 2026. The company reported -$8.046 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 1.33%. 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 26,962,814 shares outstanding.
What happened to BayFirst Financial Corp’s price movement after its last earnings report?
BayFirst Financial Corp reported an EPS of -$8.046 in its last earnings report, missing expectations of N/A. Following the earnings report the stock price went down -0.774%.
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
BayFirst Financial Corp Stock Smart Score
Underperform
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10
Blogger Sentiment
Bullish
BAFN Sentiment 100%
Sector Average ―
Sector Average ―
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-28.97%
12-Months-Change
Fundamentals
Return on Equity
―
Trailing 12-Months
Asset Growth
-15.55%
Trailing 12-Months
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
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Negative
The call conveyed a mix of proactive remediation, strengthened capital and leadership changes but also significant near-term financial damage from legacy SBA exposures and accounting misstatements. Management took decisive actions—an $80M capital raise, a comprehensive asset resolution plan, restatements and leadership hires—that materially improved capital ratios (Tier 1 leverage to 8.3%) and clarified the bank's path forward. However, the quarter was dominated by large one-time losses (~$43.8M pretax), a Q2 net loss of $32.7M, a sharp drop in tangible book value per share (≈‑66% q/q), negative noninterest income, and meaningful contraction in loans and deposits. The improvements in normalized NIM (4.07%), falling cost of funds, and declining nonperforming loans are positive operational signals, but they do not yet fully offset the material financial and control issues disclosed this quarter.View all BAFN earnings summariesTechnical Analysis
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Ownership Overview
6.50% Insiders
0.67% Mutual Funds
0.83% Other Institutional Investors
91.38% Public Companies and
Individual Investors