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BAYFIRST FINANCIAL CORP (BAFN) Stock Fundamental Analysis

USA - NASDAQ:BAFN - US07279B1044 - Common Stock

9.6599 USD
+0.28 (+2.98%)
Last: 10/21/2025, 4:30:02 PM
Fundamental Rating

3

Taking everything into account, BAFN scores 3 out of 10 in our fundamental rating. BAFN was compared to 391 industry peers in the Banks industry. Both the profitability and financial health of BAFN have multiple concerns. BAFN has a valuation in line with the averages, but it does not seem to be growing. Finally BAFN also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year BAFN was profitable.
In the past year BAFN had a positive cash flow from operations.
BAFN had positive earnings in 4 of the past 5 years.
Of the past 5 years BAFN 4 years had a positive operating cash flow.
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 0 200M 400M

1.2 Ratios

BAFN has a worse Return On Assets (0.58%) than 71.10% of its industry peers.
The Return On Equity of BAFN (7.21%) is comparable to the rest of the industry.
Industry RankSector Rank
ROA 0.58%
ROE 7.21%
ROIC N/A
ROA(3y)0.38%
ROA(5y)0.9%
ROE(3y)4.46%
ROE(5y)10.89%
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 0 5 10 15 20

1.3 Margins

The Profit Margin of BAFN (7.99%) is worse than 86.19% of its industry peers.
BAFN's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for BAFN so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 7.99%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-34.7%
PM growth 5Y14.63%
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 0 10 20 30 40

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3

2. Health

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 more shares outstanding
Compared to 5 years ago, BAFN has more shares outstanding
BAFN has a better debt/assets ratio than last year.
BAFN Yearly Shares OutstandingBAFN Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 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 500M 1B 1.5B

2.2 Solvency

The Debt to FCF ratio of BAFN is 0.02, which is an excellent value as it means it would take BAFN, only 0.02 years of fcf income to pay off all of its debts.
With an excellent Debt to FCF ratio value of 0.02, BAFN belongs to the best of the industry, outperforming 88.24% of the companies in the same industry.
BAFN has a Debt/Equity ratio of 0.07. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.07, BAFN is in the better half of the industry, outperforming 77.49% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 0.02
Altman-Z N/A
ROIC/WACCN/A
WACC68.9%
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 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 5M 10M 15M 20M 25M

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3

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 33.16% over the past year.
Measured over the past years, BAFN shows a quite strong growth in Earnings Per Share. The EPS has been growing by 14.03% on average per year.
The Revenue has been growing slightly by 7.80% in the past year.
The Revenue has been growing slightly by 6.92% on average over the past years.
EPS 1Y (TTM)33.16%
EPS 3Y-25.16%
EPS 5Y14.03%
EPS Q2Q%-427.33%
Revenue 1Y (TTM)7.8%
Revenue growth 3Y18.97%
Revenue growth 5Y6.92%
Sales Q2Q%11.06%

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 20M 40M 60M 80M 100M

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4

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 8.19, the valuation of BAFN can be described as reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of BAFN indicates a rather cheap valuation: BAFN is cheaper than 92.84% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.77, BAFN is valued rather cheaply.
Industry RankSector Rank
PE 8.19
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

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, BAFN is valued cheaper than 100.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 0.12
EV/EBITDA N/A
BAFN Per share dataBAFN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.58
EPS Next 2YN/A
EPS Next 3YN/A

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7

5. Dividend

5.1 Amount

BAFN has a Yearly Dividend Yield of 3.35%. Purely for dividend investing, there may be better candidates out there.
The stock price of BAFN dropped by -33.36% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
BAFN's Dividend Yield is comparable with the industry average which is at 3.60.
BAFN's Dividend Yield is a higher than the S&P500 average which is at 2.36.
Industry RankSector Rank
Dividend Yield 3.35%

5.2 History

The dividend of BAFN is nicely growing with an annual growth rate of 11.27%!
BAFN has paid a dividend for at least 10 years, which is a reliable track record.
As BAFN did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)11.27%
Div Incr Years0
Div Non Decr Years8
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 pays out 36.78% of its income as dividend. This is a sustainable payout ratio.
BAFN's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP36.78%
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 0 100M -100M 200M 300M 400M
BAFN Dividend Payout.BAFN Dividend Payout, showing the Payout Ratio.BAFN Dividend Payout.PayoutRetained Earnings

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BAYFIRST FINANCIAL CORP

NASDAQ:BAFN (10/21/2025, 4:30:02 PM)

9.6599

+0.28 (+2.98%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-29 2025-07-29/amc
Earnings (Next)10-30 2025-10-30
Inst Owners14.81%
Inst Owner Change0%
Ins Owners14.53%
Ins Owner Change1.53%
Market Cap39.90M
AnalystsN/A
Price TargetN/A
Short Float %0.23%
Short Ratio0.45
Dividend
Industry RankSector Rank
Dividend Yield 3.35%
Yearly Dividend0.69
Dividend Growth(5Y)11.27%
DP36.78%
Div Incr Years0
Div Non Decr Years8
Ex-Date05-30 2025-05-30 (0.08)
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 8.19
Fwd PE N/A
P/S 0.41
P/FCF 0.12
P/OCF 0.12
P/B 0.37
P/tB 0.43
EV/EBITDA N/A
EPS(TTM)1.18
EY12.22%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)78.8
FCFY815.7%
OCF(TTM)78.93
OCFY817.11%
SpS23.62
BVpS26.2
TBVpS22.31
PEG (NY)N/A
PEG (5Y)0.58
Profitability
Industry RankSector Rank
ROA 0.58%
ROE 7.21%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 7.99%
GM N/A
FCFM 333.62%
ROA(3y)0.38%
ROA(5y)0.9%
ROE(3y)4.46%
ROE(5y)10.89%
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
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-34.7%
PM growth 5Y14.63%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.07
Health
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 0.02
Debt/EBITDA N/A
Cap/Depr 5.99%
Cap/Sales 0.58%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 4173.19%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC68.9%
ROIC/WACCN/A
Cap/Depr(3y)97.89%
Cap/Depr(5y)131.43%
Cap/Sales(3y)7.89%
Cap/Sales(5y)9.67%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)33.16%
EPS 3Y-25.16%
EPS 5Y14.03%
EPS Q2Q%-427.33%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)7.8%
Revenue growth 3Y18.97%
Revenue growth 5Y6.92%
Sales Q2Q%11.06%
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-30.49%
FCF growth 3Y-6.93%
FCF growth 5YN/A
OCF growth 1Y-31.97%
OCF growth 3Y-7.62%
OCF growth 5YN/A