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BAYFIRST FINANCIAL CORP (BAFN) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:BAFN - US07279B1044 - Common Stock

7.9 USD
-0.1 (-1.25%)
Last: 11/26/2025, 8:16:45 PM
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to BAFN. BAFN was compared to 387 industry peers in the Banks industry. Both the profitability and financial health of BAFN have multiple concerns. BAFN has a expensive valuation and it also scores bad on growth. 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 has reported negative net income.
In the past year BAFN had a positive cash flow from operations.
Of the past 5 years BAFN 4 years were profitable.
BAFN had a positive operating cash flow in 4 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 0 200M 400M

1.2 Ratios

With a Return On Assets value of 0.58%, BAFN is not doing good in the industry: 73.90% of the companies in the same industry are doing better.
BAFN has a Return On Equity of 7.20%. This is in the lower half of the industry: BAFN underperforms 64.34% of its industry peers.
Industry RankSector 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
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

Looking at the Profit Margin, with a value of 7.99%, BAFN is doing worse than 87.60% of the companies in the same industry.
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.
The number of shares outstanding for BAFN has been increased compared to 1 year ago.
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 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.
Looking at the Debt to FCF ratio, with a value of 0.02, BAFN belongs to the top of the industry, outperforming 88.63% of the companies in the same industry.
A Debt/Equity ratio of 0.07 indicates that BAFN is not too dependend on debt financing.
BAFN's Debt to Equity ratio of 0.07 is fine compared to the rest of the industry. BAFN outperforms 76.49% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 0.02
Altman-Z N/A
ROIC/WACCN/A
WACC78.48%
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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1

3. Growth

3.1 Past

The earnings per share for BAFN have decreased strongly by -672.61% in the last 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.
The Revenue has decreased by -3.45% in the past 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.
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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2

4. Valuation

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 100.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 0.1
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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8

5. Dividend

5.1 Amount

BAFN has a Yearly Dividend Yield of 4.03%, which is a nice return.
BAFN's Dividend Yield is a higher than the industry average which is at 3.33.
Compared to an average S&P500 Dividend Yield of 2.41, BAFN pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.03%

5.2 History

On average, the dividend of BAFN grows each year by 11.27%, which is quite nice.
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.
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
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 (11/26/2025, 8:16:45 PM)

7.9

-0.1 (-1.25%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-30 2025-10-30/amc
Earnings (Next)01-14 2026-01-14
Inst Owners14.81%
Inst Owner Change12.57%
Ins Owners14.53%
Ins Owner Change0.64%
Market Cap32.63M
Revenue(TTM)86.06M
Net Income(TTM)7.80M
AnalystsN/A
Price TargetN/A
Short Float %0.26%
Short Ratio1.05
Dividend
Industry RankSector Rank
Dividend Yield 4.03%
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 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)78.8
FCFY997.41%
OCF(TTM)78.93
OCFY999.14%
SpS23.62
BVpS26.2
TBVpS22.31
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector 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 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 4173.72%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC78.48%
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 8 / 10 and the dividend payout ratio is 36.78%.