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 - $17.45
Previous CloseN/A
Volume1.76K
Average Volume (3M)11.15K
Market Cap
$27.98M
Enterprise Value-$96.55M
Total Cash (Recent Filing)$206.98M
Total Debt (Recent Filing)$20.82M
Price to Earnings (P/E)―
Beta0.54
Next Earnings
Jul 23, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield4.1%
Share Statistics
EPS (TTM)-5.92
Shares Outstanding4,108,072
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-3.45
Enterprise Value/Revenue-0.99
Enterprise Value/Gross Profit-2.95
Enterprise Value/Ebitda4.05
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
Recapitalization (PIPE & Rights Offering)The $80M capital infusion and pro forma capital improvement materially reduce regulatory solvency risk and create a durable buffer to absorb legacy loan losses. Strong capital enables reserve builds and gives management time to resolve problem assets without immediate funding stress.
Experienced Community-Bank LeadershipBringing in a veteran Tampa Bay community banker and strengthened board oversight improves execution credibility on repositioning strategy. Experienced management is likely to tighten underwriting, accelerate SBA legacy resolution, and better deploy capital into local lending opportunities.
Strong Liquidity & No Wholesale BorrowingsA high liquidity ratio and absence of wholesale funding reduce rollover and funding-concentration risk, providing a durable runway to manage loan runoff, meet depositor needs, and execute restructuring without urgent reliance on expensive external funding.
Bears Say
Profitability And Cash-Flow CollapseA material loss year and zero operating/free cash flow halt internal capital generation, erode retained earnings and ROE (~-26%), and force dependence on external capital. If profitability does not normalize, continued erosion could pressure capital and constrain lending over months.
Concentrated SBA Credit LossesHeavy exposure to unguaranteed SBA loans drives elevated charge-offs and provisioning needs. This legacy concentration creates prolonged credit volatility, requires ongoing reserve allocation, and limits capacity to originate new loans until asset-quality trends normalize.
Loan & Deposit Contraction, Margin And Expense PressureShrinking loan and deposit bases reduce net interest income and franchise scale, while margin compression and rising noninterest costs squeeze earnings. Together these trends impair sustainable profitability and slow the bank's ability to rebuild capital organically over the medium term.
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 $17.45 in the past 12 months.
What is BayFirst Financial Corp’s market cap?
BayFirst Financial Corp’s market cap is $27.98M.
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 78 days.
How were BayFirst Financial Corp’s earnings last quarter?
BayFirst Financial Corp released its earnings results on Apr 30, 2026. The company reported -$1.48 earnings per share for the quarter, missing the consensus estimate of N/A by -$1.48.
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 4,108,072 shares outstanding.
What happened to BayFirst Financial Corp’s price movement after its last earnings report?
BayFirst Financial Corp reported an EPS of -$1.48 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
14.80% Insiders
4.41% Mutual Funds
0.38% Other Institutional Investors
76.55% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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