BAYFIRST FINANCIAL CORP (BAFN) Fundamental Analysis & Valuation

NASDAQ:BAFN • US07279B1044

Current stock price

6.37 USD
-1.96 (-23.53%)
At close:
6.32 USD
-0.05 (-0.78%)
After Hours:

This BAFN fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

1

1. BAFN Profitability Analysis

1.1 Basic Checks

  • BAFN had negative earnings in the past year.
  • BAFN had a positive operating cash flow in the past year.
  • In multiple years BAFN reported negative net income over the last 5 years.
  • BAFN had a positive operating cash flow in each of the past 5 years.
BAFN Yearly Net Income VS EBIT VS OCF VS FCFBAFN Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2019 2020 2021 2022 2023 2024 2025 0 200M 400M

1.2 Ratios

  • BAFN's Return On Assets of -1.88% is on the low side compared to the rest of the industry. BAFN is outperformed by 96.54% of its industry peers.
  • BAFN has a Return On Equity of -27.95%. This is amonst the worse of the industry: BAFN underperforms 97.61% of its industry peers.
Industry RankSector Rank
ROA -1.88%
ROE -27.95%
ROIC N/A
ROA(3y)-0.2%
ROA(5y)0.37%
ROE(3y)-4.43%
ROE(5y)1.98%
ROIC(3y)N/A
ROIC(5y)N/A
BAFN Yearly ROA, ROE, ROICBAFN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 2025 0 10 -10 20 -20

1.3 Margins

  • The Profit Margin and Operating Margin and Gross Margin are not available for BAFN so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
BAFN Yearly Profit, Operating, Gross MarginsBAFN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 2025 0 20 -20 40

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4

2. BAFN Health Analysis

2.1 Basic Checks

  • BAFN does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, BAFN has less shares outstanding
  • Compared to 5 years ago, BAFN has more shares outstanding
  • Compared to 1 year ago, BAFN has an improved debt to assets ratio.
BAFN Yearly Shares OutstandingBAFN Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 2025 1M 2M 3M 4M
BAFN Yearly Total Debt VS Total AssetsBAFN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

2.2 Solvency

  • The Debt to FCF ratio of BAFN is 0.03, which is an excellent value as it means it would take BAFN, only 0.03 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of BAFN (0.03) is better than 89.36% of its industry peers.
  • A Debt/Equity ratio of 0.09 indicates that BAFN is not too dependend on debt financing.
  • BAFN has a better Debt to Equity ratio (0.09) than 70.74% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 0.03
Altman-Z N/A
ROIC/WACCN/A
WACC94.8%
BAFN Yearly LT Debt VS Equity VS FCFBAFN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2019 2020 2021 2022 2023 2024 2025 0 200M 400M 600M 800M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BAFN Yearly Current Assets VS Current LiabilitesBAFN Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M 25M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

0

3. BAFN Growth Analysis

3.1 Past

  • BAFN shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -345.95%.
  • The Revenue for BAFN has decreased by -34.84% in the past year. This is quite bad
  • Measured over the past years, BAFN shows a very negative growth in Revenue. The Revenue has been decreasing by -13.32% on average per year.
EPS 1Y (TTM)-345.95%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-770.59%
Revenue 1Y (TTM)-34.84%
Revenue growth 3Y1.38%
Revenue growth 5Y-13.32%
Sales Q2Q%-47.7%

3.2 Future

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
BAFN Yearly Revenue VS EstimatesBAFN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M
BAFN Yearly EPS VS EstimatesBAFN Yearly EPS VS EstimatesYearly EPS VS Estimates 2025 -1 -2 -3 -4 -5

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2

4. BAFN Valuation Analysis

4.1 Price/Earnings Ratio

  • BAFN reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Industry RankSector Rank
PE N/A
Fwd PE N/A
BAFN Price Earnings VS Forward Price EarningsBAFN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0 0 0 0 0 0 0

4.2 Price Multiples

  • BAFN's Price/Free Cash Flow ratio is rather cheap when compared to the industry. BAFN is cheaper than 99.73% of the companies in the same industry.
Industry RankSector Rank
P/FCF 0.09
EV/EBITDA N/A
BAFN Per share dataBAFN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 40 60

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. BAFN Dividend Analysis

5.1 Amount

  • BAFN has a Yearly Dividend Yield of 4.00%.
  • Compared to an average industry Dividend Yield of 2.57, BAFN pays a better dividend. On top of this BAFN pays more dividend than 86.70% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.82, BAFN pays a better dividend.
Industry RankSector Rank
Dividend Yield 4%

5.2 History

  • The dividend of BAFN decreases each year by -7.78%.
  • BAFN has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)-7.78%
Div Incr Years0
Div Non Decr Years0
BAFN Yearly Dividends per shareBAFN Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.1 0.2 0.3

5.3 Sustainability

  • BAFN has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-5.86%
EPS Next 2YN/A
EPS Next 3YN/A
BAFN Yearly Income VS Free CF VS DividendBAFN Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2019 2020 2021 2022 2023 2024 2025 0 100M -100M 200M 300M 400M

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BAFN Fundamentals: All Metrics, Ratios and Statistics

BAYFIRST FINANCIAL CORP

NASDAQ:BAFN (5/1/2026, 8:10:50 PM)

After market: 6.32 -0.05 (-0.78%)

6.37

-1.96 (-23.53%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Industry Strength69.57
Industry Growth91.3
Earnings (Last)04-30
Earnings (Next)N/A
Inst Owners15.84%
Inst Owner Change2.55%
Ins Owners14.59%
Ins Owner Change-0.06%
Market Cap26.18M
Revenue(TTM)64.18M
Net Income(TTM)-24.48M
AnalystsN/A
Price TargetN/A
Short Float %1.75%
Short Ratio3.77
Dividend
Industry RankSector Rank
Dividend Yield 4%
Yearly Dividend0.35
Dividend Growth(5Y)-7.78%
DP-5.86%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.41
P/FCF 0.09
P/OCF 0.09
P/B 0.3
P/tB 0.35
EV/EBITDA N/A
EPS(TTM)-7.22
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)69.34
FCFY1088.57%
OCF(TTM)69.41
OCFY1089.71%
SpS15.62
BVpS21.31
TBVpS18.25
PEG (NY)N/A
PEG (5Y)N/A
Graham Number0 (-100%)
Profitability
Industry RankSector Rank
ROA -1.88%
ROE -27.95%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 444.05%
ROA(3y)-0.2%
ROA(5y)0.37%
ROE(3y)-4.43%
ROE(5y)1.98%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 0.03
Debt/EBITDA N/A
Cap/Depr 3.29%
Cap/Sales 0.47%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC94.8%
ROIC/WACCN/A
Cap/Depr(3y)44.99%
Cap/Depr(5y)120.32%
Cap/Sales(3y)3.66%
Cap/Sales(5y)9.3%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-345.95%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-770.59%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-34.84%
Revenue growth 3Y1.38%
Revenue growth 5Y-13.32%
Sales Q2Q%-47.7%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-26.71%
FCF growth 3Y-12.96%
FCF growth 5YN/A
OCF growth 1Y-26.95%
OCF growth 3Y-13.47%
OCF growth 5YN/A

BAYFIRST FINANCIAL CORP / BAFN Fundamental Analysis FAQ

What is the fundamental rating for BAFN stock?

ChartMill assigns a fundamental rating of 2 / 10 to BAFN.


What is the valuation status of BAYFIRST FINANCIAL CORP (BAFN) stock?

ChartMill assigns a valuation rating of 2 / 10 to BAYFIRST FINANCIAL CORP (BAFN). This can be considered as Overvalued.


What is the profitability of BAFN stock?

BAYFIRST FINANCIAL CORP (BAFN) has a profitability rating of 1 / 10.