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Company Analysis

BayFirst Financial Corp. BAFN

A comprehensive view of key metrics, scores, and financial health for BayFirst Financial Corp.

Overview of BayFirst Financial Corp.

BAFN NCM
Financial Services Banks - Regional Micro Cap
BayFirst Financial Corp. (BAFN), is a Micro Cap company, in the Banks - Regional industry, last closed at $5.61, about 230.8% undervalued vs fair value, -71.2% 1Y return, ranked 942/1004 in sector.
$5.61
-4.92%
As of March 13, 2026
Previous close • Vol 90d: 49.1%
Market Cap
$23.06M
Enterprise Value
$52.02M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.bayfirstfinancial....
HQ Saint Petersburg, FL
Employees 144
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$10
$19
$35
Current: $5.61 +231% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$82.8M
20.9%%
Interest Expense
$40.0M
Net Interest Income
$38.0M
4.4%%
Total Revenue
$104.2M
29.5%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
11.6%
Good

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$2.9M
26.1% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating BayFirst Financial Corp.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
34
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
26
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing BAFN's balance between Growth (25.6%), Profitability (27.2%), and Safety (47.3%). Growth 26% Safety 47% Profitability 27%

Click axes to expand details. Marker shows current allocation.

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Growth

38th percentile vs peers
38
Key Signals
Revenue CAGR 3Y 21.7% 62p Rev Growth YoY 29.5% 27p Asset Growth YoY 0.9% 26p
Strengths
  • Superior capital returns - 2 return metrics above peer median
Risks
  • Growth below peer median (percentile: 38)

Profitability

40th percentile vs peers
40
Key Signals
Strengths
Risks
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Safety

70th percentile vs peers
70
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for BayFirst Financial Corp..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$18.56
- - -
+230.8% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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