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BayFirst Financial Corp (BAFN)
:BAFN
Total Valuation
BayFirst Financial Corp has a market cap or net worth of $34.93M. The enterprise value is $128.92M.
Market Cap$34.93M
Enterprise Value$128.92M
Share Statistics
BayFirst Financial Corp has 4,133,637 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding4,133,637
Owned by Insiders15.21%
Owned by Institutions7.09%
Financial Efficiency
BayFirst Financial Corp’s return on equity (ROE) is 0.11 and return on invested capital (ROIC) is 8.65%.
Return on Equity (ROE)0.11
Return on Assets (ROA)<0.01
Return on Invested Capital (ROIC)8.65%
Return on Capital Employed (ROCE)0.12
Revenue Per Employee410.62K
Profits Per Employee41.55K
Employee Count305
Asset Turnover0.10
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of BayFirst Financial Corp is 4.9. BayFirst Financial Corp’s PEG ratio is 0.03.
PE Ratio4.9
PS Ratio0.44
PB Ratio0.50
Price to Fair Value0.50
Price to FCF0.14
Price to Operating Cash Flow0.11
PEG Ratio0.03
Income Statement
In the last 12 months, BayFirst Financial Corp had revenue of 125.24M and earned 12.60M in profits. Earnings per share was 2.68.
Revenue125.24M
Gross Profit65.73M
Operating Income16.99M
Pretax Income16.99M
Net Income12.60M
EBITDA25.71M
Earnings Per Share (EPS)2.68
Cash Flow
In the last 12 months, operating cash flow was 325.70M and capital expenditures -562.00K, giving a free cash flow of 325.14M billion.
Operating Cash Flow325.70M
Free Cash Flow325.14M
Free Cash Flow per Share78.66
Dividends & Yields
BayFirst Financial Corp pays an annual dividend of $0.08, resulting in a dividend yield of 3.79%
Dividend Per Share$0.08
Dividend Yield3.79%
Payout Ratio13.91%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta0.62
52-Week Price Change-36.23%
50-Day Moving Average11.60
200-Day Moving Average14.36
Relative Strength Index (RSI)37.37
Average Volume (3m)18.62K
Important Dates
BayFirst Financial Corp upcoming earnings date is Oct 23, 2025, Before Open (Not Confirmed).
Last Earnings DateJul 29, 2025
Next Earnings DateOct 23, 2025
Ex-Dividend DateMay 30, 2025
Financial Position
BayFirst Financial Corp as a current ratio of 0.09, with Debt / Equity ratio of 56.81%
Current Ratio0.09
Quick Ratio0.09
Debt to Market Cap0.19
Net Debt to EBITDA-2.24
Interest Coverage Ratio0.38
Taxes
In the past 12 months, BayFirst Financial Corp has paid 4.32M in taxes.
Income Tax4.32M
Effective Tax Rate0.25
Enterprise Valuation
BayFirst Financial Corp EV to EBITDA ratio is -0.10, with an EV/FCF ratio of >-0.01.
EV to Sales-0.02
EV to EBITDA-0.10
EV to Free Cash Flow>-0.01
EV to Operating Cash Flow>-0.01
Balance Sheet
BayFirst Financial Corp has $101.41M in cash and marketable securities with $61.48M in debt, giving a net cash position of -$39.93M billion.
Cash & Marketable Securities$101.41M
Total Debt$61.48M
Net Cash-$39.93M
Net Cash Per Share-$9.66
Tangible Book Value Per Share$22.84
Margins
Gross margin is 49.18%, with operating margin of 13.56%, and net profit margin of 10.06%.
Gross Margin49.18%
Operating Margin13.56%
Pretax Margin13.56%
Net Profit Margin10.06%
EBITDA Margin20.53%
EBIT Margin13.56%
Analyst Forecast
The average price target for BayFirst Financial Corp is $9.50, which is 11.43% higher than the current price. The consensus rating is Hold
Price Target$9.50
Price Target Upside12.43% Upside
Analyst ConsensusHold
Analyst Count1
Revenue Growth Forecast7.07%
EPS Growth Forecast96.65%