7.8 USD
-0.01 (-0.13%)
We assign a fundamental rating of 3 out of 10 to BAFN. BAFN was compared to 388 industry peers in the Banks industry. Both the profitability and financial health of BAFN have multiple concerns. BAFN is valued expensive and it does not seem to be growing. BAFN also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year BAFN has reported negative net income.
BAFN had a positive operating cash flow in the past year.
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.
1.2 Ratios
BAFN has a Return On Assets of 0.58%. This is in the lower half of the industry: BAFN underperforms 73.71% of its industry peers.
With a Return On Equity value of 7.20%, BAFN is not doing good in the industry: 65.21% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.58% | ||
| ROE | 7.2% | ||
| 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
1.3 Margins
BAFN has a worse Profit Margin (7.99%) than 86.86% of its industry peers.
In the last couple of years the Profit Margin of BAFN has grown nicely.
The Operating Margin and Gross Margin are not available for BAFN so they could not be analyzed.
| Industry Rank | Sector 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
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
The number of shares outstanding for BAFN has been increased compared to 5 years ago.
Compared to 1 year ago, BAFN has an improved debt to assets ratio.
2.2 Solvency
BAFN has a debt to FCF ratio of 0.02. This is a very positive value and a sign of high solvency as it would only need 0.02 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.02, BAFN belongs to the top of the industry, outperforming 88.40% 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.
With a decent Debt to Equity ratio value of 0.07, BAFN is doing good in the industry, outperforming 76.29% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 0.02 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC79.39%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
BAFN shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -672.61%.
The Earnings Per Share has been growing by 14.03% on average over the past years. This is quite good.
Looking at the last year, BAFN shows a decrease in Revenue. The Revenue has decreased by -3.45% in the last year.
Measured over the past years, BAFN shows a small growth in Revenue. The Revenue has been growing by 6.92% on average per year.
EPS 1Y (TTM)-672.61%
EPS 3Y-25.16%
EPS 5Y14.03%
EPS Q2Q%-2688.89%
Revenue 1Y (TTM)-3.45%
Revenue growth 3Y18.97%
Revenue growth 5Y6.92%
Sales Q2Q%-29.42%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings Ratio is negative for BAFN. In the last year negative earnings were reported.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A |
4.2 Price Multiples
100.00% of the companies in the same industry are more expensive than BAFN, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.1 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.03%, BAFN is a good candidate for dividend investing.
BAFN's Dividend Yield is rather good when compared to the industry average which is at 2.74. BAFN pays more dividend than 83.51% of the companies in the same industry.
BAFN's Dividend Yield is rather good when compared to the S&P500 average which is at 1.88.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.03% |
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
5.3 Sustainability
BAFN pays out 36.78% of its income as dividend. This is a sustainable payout ratio.
The dividend of BAFN is growing, but earnings are growing more, so the dividend growth is sustainable.
DP36.78%
EPS Next 2YN/A
EPS Next 3YN/A
NASDAQ:BAFN (12/26/2025, 10:27:08 AM)
7.8
-0.01 (-0.13%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners16.94%
Inst Owner Change12.57%
Ins Owners14.61%
Ins Owner Change0.08%
Market Cap32.06M
Revenue(TTM)86.06M
Net Income(TTM)7.80M
AnalystsN/A
Price TargetN/A
Short Float %0.52%
Short Ratio2.28
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.03% |
Yearly Dividend0.69
Dividend Growth(5Y)11.27%
DP36.78%
Div Incr Years0
Div Non Decr Years8
Ex-Date
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A | ||
| P/S | 0.33 | ||
| P/FCF | 0.1 | ||
| P/OCF | 0.1 | ||
| P/B | 0.3 | ||
| P/tB | 0.35 | ||
| EV/EBITDA | N/A |
EPS(TTM)-3.66
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)79.18
FCFY1015.11%
OCF(TTM)79.32
OCFY1016.88%
SpS23.73
BVpS26.33
TBVpS22.42
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.58% | ||
| ROE | 7.2% | ||
| 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
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 3Y-34.7%
PM growth 5Y14.63%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.07
Health
| Industry Rank | Sector 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 | 4173.72% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC79.39%
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)-672.61%
EPS 3Y-25.16%
EPS 5Y14.03%
EPS Q2Q%-2688.89%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-3.45%
Revenue growth 3Y18.97%
Revenue growth 5Y6.92%
Sales Q2Q%-29.42%
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
BAYFIRST FINANCIAL CORP / BAFN FAQ
What is the fundamental rating for BAFN stock?
ChartMill assigns a fundamental rating of 3 / 10 to BAFN.
What is the valuation status for BAFN stock?
ChartMill assigns a valuation rating of 2 / 10 to BAYFIRST FINANCIAL CORP (BAFN). This can be considered as Overvalued.
Can you provide the profitability details for BAYFIRST FINANCIAL CORP?
BAYFIRST FINANCIAL CORP (BAFN) has a profitability rating of 2 / 10.
Is the dividend of BAYFIRST FINANCIAL CORP sustainable?
The dividend rating of BAYFIRST FINANCIAL CORP (BAFN) is 9 / 10 and the dividend payout ratio is 36.78%.