BAFN Fundamental Analysis - BAYFIRST FINANCIAL CORP

Fundamental Rating

Overall BAFN gets a fundamental rating of 3 out of 10. We evaluated BAFN against 393 industry peers in the Banks industry. Both the profitability and financial health of BAFN have multiple concerns. BAFN is valued correctly, but it does not seem to be growing. BAFN also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

BAFN had positive earnings in the past year.

BAFN had a positive operating cash flow in the past year.

BAFN had positive earnings in 4 of the past 5 years.

BAFN had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

BAFN's Return On Assets of 0.58% is on the low side compared to the rest of the industry. BAFN is outperformed by 71.76% of its industry peers.

BAFN has a Return On Equity (7.21%) which is comparable to the rest of the industry.

		Industry Rank	Sector 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

1.3 Margins

BAFN has a worse Profit Margin (7.99%) than 85.24% of its industry peers.

In the last couple of years the Profit Margin of BAFN has grown nicely.

BAFN does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

BAFN does not have a ROIC to compare to the WACC, probably because it is not profitable.

BAFN has more shares outstanding than it did 1 year ago.

Compared to 5 years ago, BAFN has more shares outstanding

BAFN has a better debt/assets ratio than last year.

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.

BAFN has a better Debt to FCF ratio (0.02) than 89.57% of its industry peers.

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 77.86% 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

WACC70.84%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 33.16% over the past year.

BAFN shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 14.03% yearly.

Looking at the last year, BAFN shows a small growth in Revenue. The Revenue has grown by 7.80% in the last year.

BAFN shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.92% yearly.

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.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 7.88, the valuation of BAFN can be described as very cheap.

93.89% of the companies in the same industry are more expensive than BAFN, based on the Price/Earnings ratio.

The average S&P500 Price/Earnings ratio is at 27.08. BAFN is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	7.88
Fwd PE	N/A

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of BAFN indicates a rather cheap valuation: BAFN is cheaper than 100.00% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	0.12
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)0.56

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.83%, BAFN is a good candidate for dividend investing.

The stock price of BAFN dropped by -42.94% 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 rather good when compared to the industry average which is at 3.30. BAFN pays more dividend than 86.26% of the companies in the same industry.

Compared to an average S&P500 Dividend Yield of 2.34, BAFN pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4.83%

5.2 History

The dividend of BAFN is nicely growing with an annual growth rate of 11.27%!

BAFN has been paying a dividend for at least 10 years, so it has a reliable track record.

BAFN has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.

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.

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

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BAYFIRST FINANCIAL CORP

NASDAQ:BAFN (8/26/2025, 8:16:09 PM)

9.3001

-0.31 (-3.22%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-29 2025-07-29/amc

Earnings (Next)10-14 2025-10-14

Inst Owners14.66%

Inst Owner Change1.47%

Ins Owners14.52%

Ins Owner Change1.63%

Market Cap38.41M

AnalystsN/A

Price TargetN/A

Short Float %0.12%

Short Ratio0.28

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.83%

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 Rank	Sector Rank
PE	7.88
Fwd PE	N/A
P/S	0.39
P/FCF	0.12
P/OCF	0.12
P/B	0.35
P/tB	0.42
EV/EBITDA	N/A

EPS(TTM)1.18

EY12.69%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)78.8

FCFY847.25%

OCF(TTM)78.93

OCFY848.73%

SpS23.62

BVpS26.2

TBVpS22.31

PEG (NY)N/A

PEG (5Y)0.56

Profitability

		Industry Rank	Sector 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 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	4173.19%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score7

WACC70.84%

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

BAYFIRST FINANCIAL CORP (BAFN) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens