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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 Framework: Banks & Lenders Micro Cap
BayFirst Financial Corp. (BAFN), is a Micro Cap company, in the Banks - Regional industry, last closed at $6.41, about 0.9% undervalued vs fair value, -28.0% 1Y return, ranked 968/1078 in sector.
Metrics Rev Growth -29.3% ROE -26.1% Gross Margin 71.9% Div Yield 4.44%
USD 6.41
6.48%
(Delayed)
• Vol 90d: 90.8%
52-Week Range
Market Cap
$172.83M
Enterprise Value
$131.12M
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Weak
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Weak
Completeness: 100%
Confidence: 96%
Updated: Oct 31
Top Beats
No strong beats yet

Quick Facts

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

Next Events

Earnings Oct 29 Call: Oct 30

Fair Value Snapshot

Bear Base Bull
$4
$6
$12
Current: $6.41 +1% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$85.2M
4.1%%
Interest Expense
$40.0M
Net Interest Income
$45.2M
21.9%%
Total Revenue
$55.1M
-29.3%%
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
-39.6%
Poor

Net Income / Equity - key bank profitability metric

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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
15
/100
Weak
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Strong Capital Position Capital position is strong (score 0.62), exceeding regulatory minimums.

Key risks

  • Weak Deposit Franchise Deposit franchise appears weak (profitability score 0.01).
  • Weak Net Interest Margin Net interest margin proxy is weak (score 0.02).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Deposit Franchise

Weak
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Signals, strengths and risks for Deposit Franchise

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

Trade-Off Ledger™

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

Banks (Regional & Diversified) vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing BAFN's balance between Growth (34.0%), Profitability (21.5%), and Safety (44.5%). Growth 34% Safety 45% Profitability 21%

Click axes to expand details. Marker shows current allocation.

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Growth

33th percentile vs peers
34
Key Signals
NII Growth YoY 21.9% 82p Asset Growth YoY 0.9% 22p EPS Growth YoY -4.09 2p Equity Growth YoY -27.5% 1p
Strengths
  • NII Growth YoY in top 20% of peers (21.9%, 82th percentile)
  • Debt/Assets in top 20% of peers (1.6%, 82th percentile)
  • Dividends/Tangible Equity in top 20% of peers (1.8%, 82th percentile)
  • Conservative leverage compared to industry peers
Risks
  • EPS Growth YoY in bottom 20% of peers (-4.09)
  • Equity Growth YoY in bottom 20% of peers (-27.5%)

Profitability

21th percentile vs peers
21
Key Signals
Strengths
Risks
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Safety

43th percentile vs peers
44
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:

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  • 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
$6.47
- - -
+0.9% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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