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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 $6.12, about 108.8% undervalued vs fair value, -55.3% 1Y return, ranked 1017/1078 in sector.
Metrics Rev Growth -30.2% ROE -23.1% Gross Margin 70.5% Div Yield 4.44%
USD 6.12
6.43%
(Delayed)
• Vol 90d: 71.4%
52-Week Range
Market Cap
$23.33M
Enterprise Value
$-90.56M
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Good
Valuation
Weak
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Good
Valuation
Weak
Completeness: 82%
Confidence: 86%
Updated: Jul 5
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
$7
$13
$24
Current: $6.12 +109% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$85.8M
3.6%%
Interest Expense
$40.0M
Net Interest Income
$45.8M
20.4%%
Total Revenue
$56.2M
-30.2%%
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
-34.1%
Poor

Net Income / Equity - key bank profitability metric

Locked 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
17
/100
Weak
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Weak
4
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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 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing BAFN's balance between Growth (27.6%), Profitability (35.3%), and Safety (37.1%). Growth 28% Safety 37% Profitability 35%

Click axes to expand details. Marker shows current allocation.

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Growth

32th percentile vs peers
33
Key Signals
NII Growth YoY 20.4% 78p Asset Growth YoY 0.9% 23p EPS Growth YoY -3.26 2p Equity Growth YoY -24.5% 1p
Strengths
  • ROTE in top 20% of peers (17.0%, 80th percentile)
  • Debt/Assets in top 20% of peers (1.6%, 82th percentile)
  • Dividends/Tangible Equity in top 20% of peers (1.7%, 82th percentile)
  • Conservative leverage compared to industry peers
Risks
  • EPS Growth YoY in bottom 20% of peers (-3.26)
  • Equity Growth YoY in bottom 20% of peers (-24.5%)

Profitability

41th percentile vs peers
42
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
$12.78
- - -
+108.8% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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