BAFN logo
BAFN NASDAQ US

BayFirst Financial Corp. - Common Stock

Financials · Banking Website · IPO Jul 2015
$6.76
▲ +$0.29 (+4.48%)
Vol 9K
3
Quality Score
fail
Mkt Cap
$32.3M
ROE
-10.3%
D/E
8.39
Beta
0.31
Div Yield
4.08%
52W
$6–$20

Price Chart

Earnings

Beat rate: 0.0%
Quarter EPS Est EPS Act Surprise
Dec 2025 $-0.69
Sep 2025 $-4.66
Jun 2025 $-0.39
Mar 2025 $-0.17

Quarterly Revenue & Earnings

Quarter 2024-0… 2024-1… 2025-0… 2025-0… 2025-0… 2025-1…
Revenue $19.8M $20.5M $18.7M $20.6M $7.0M
Net Income $1.1M $9.8M -$335K -$1.2M -$18.9M

Fundamentals Trend

Metric 2025-06-30 2025-09-02 2025-10-02 2025-11-03 2025-12-03 2026-01-02
ROE (TTM) 8.7% 8.7% 8.7% 8.7% -10.2% -10.3%
P/E (TTM) 6.19 3.46 4.61 3.94
Net Margin
Gross Margin
D/E Ratio 7.10 7.08 7.08 7.08 8.42 8.39
Current Ratio

Key Ratios

ROA (TTM)
-0.8%
P/B
0.5
EPS (TTM)
$-3.33
52W High
$19.75
52W Low
$6.40
$6.40 52-Week Range $19.75

Financial Health

Free Cash Flow
$47.3M
Net Debt
-$48.7M
Cash
$119.8M
Total Debt
$71.1M
As of Sep 30, 2025

How does BAFN compare to Banking peers?

Peer group: Micro-cap Banking (All) · 289 companies

BAFN valuation vs Banking peers

P/E ratio
0% below peers (12.6)
vs Peers
vs Industry
Overvalued
P/S ratio
0% below peers (2.3)
vs Peers
vs Industry
Overvalued
P/B ratio
0.5
53% below peers (1.1)
vs Peers
vs Industry
Undervalued
Div yield
4.1%
36% above peers (3.0%)
vs Peers
vs Industry
Below avg

BAFN profitability vs Banking peers

ROE
-10.3%
215% below peers (9.0%)
vs Peers
vs Industry
Weak
Net margin
0% below peers (28.6%)
vs Peers
vs Industry
Top tier
Gross margin
vs Peers
vs Industry
Weak
ROA
-0.8%
186% below peers (1.0%)
vs Peers
vs Industry
Weak

BAFN financial health vs Banking peers

D/E ratio
8.4
39% below peers (13.8)
vs Peers
vs Industry
Above avg
Current ratio
0% below peers (0.1)
vs Peers
vs Industry
Low liquidity
Beta
0.3
55% below peers (0.7)
vs Peers
vs Industry
More volatile

BAFN fundamentals radar

BAFN Peer median Industry

BAFN profitability vs leverage

Bubble size = market cap · X = net margin · Y = D/E ratio

BAFN vs peers: key metrics

Top Holders

Top 5: 12.44%
Vanguard Group Inc
4.31%
$1.1M
First Manhattan Co. LLC
3.22%
$811K
BANC FUNDS CO LLC
2.31%
$581K
Salzhauer, Michael
1.36%
$342K
Blackrock Inc.
1.24%
$313K
As of Dec 31, 2025

Dividends

$0.32
/ year
May 30, 2025 $0.0800
Feb 28, 2025 $0.0800
Nov 29, 2024 $0.0800
Aug 30, 2024 $0.0800
May 31, 2024 $0.0800
Feb 29, 2024 $0.0800
Nov 30, 2023 $0.0800
Aug 31, 2023 $0.0800

Latest News

No related news yet