BayFirst Financial Corp. BAFN FINANCIAL
Company Overview
BayFirst Financial Corp. operates as the bank holding company for BayFirst National Bank that provides community banking services for small and medium sized businesses and individuals. The company offers checking, savings, negotiable order of withdrawal, and money market deposit accounts, as well as certificates of deposit and individual retirement accounts; and safety deposit boxes. It also provides commercial real estate mortgages; construction and development, working capital, and business loans; auto, boat, and recreational vehicle loans; and residential mortgages, personal lines of credit, and home equity lines of credit. In addition, the company offers internet, mobile and online banking, lock box services, remote capture and deposit, treasury management, wire transfers, cash management, merchant processing, remote deposit capture, night depository, online bill payment, courier, retail investment, ACH originations, and other services. It operates full-service banking centers in Pinellas, Hillsborough, Manatee, and Sarasota counties, Florida. The company was formerly known as First Home Bancorp, Inc. and changed its name to BayFirst Financial Corp. in May 2021. BayFirst Financial Corp. was founded in 1999 and is headquartered in Saint Petersburg, Florida.
Why Investors Should Care
Offers a dividend yield of 3.95%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Trailing 12 Months Year-on-year growth — revenue -52.7%, earnings -282.0%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | - |
| 1 Year: | -52.70% |
Compounded Profit Growth
| 5 Years: | - |
| 1 Year: | -282.00% |
Stock Price Performance
| 1 Year: | -25.06% |
| 6 Months: | +32.22% |
| 3 Months: | +35.79% |
| 1 Month: | +19.09% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)61.50 · Neutral
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Attractive dividend yield of 3.95%.
- Generates positive free cash flow.
CONS
- Trading 27.8% below its 52-week high.
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | BAFN BayFirst Financial Corp. FINANCIAL | 7.55 | -0.67 | $203.57M | 3.95% | - | -52.42% | - | - |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 353.51 | 15.15 | $939.70B | 1.72% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 505.83 | 12.72 | $712.23B | 0.00% | - | 12.12% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 368.64 | 31.35 | $628.20B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 570.89 | 31.44 | $496.37B | 0.62% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPXR3KFINANCIAL | 62.39 | 14.41 | $436.28B | 2.04% | - | 11.20% | 3.14% | 4.27% |
| 7 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 757,791.00 | 12.71 | $370.14B | 0.00% | - | 12.12% | 7.60% | 10.02% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 106.26 | 15.18 | $363.70B | 3.65% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 216.24 | 17.48 | $339.62B | 2.26% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Sep 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 18.71M | 20.59M | 6.96M | 9.92M | 6.48M |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 9.69M | 10.16M | 10.37M | 9.79M | 7.99M |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | -463.00K | -1.65M | -25.90M | -2.82M | -7.63M |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | - | - | -128.00K | -412.00K | -6.99M | -359.00K | -1.95M |
| Net Income | 5.25M | 7.51M | 13.02M | 1.28M | 13.00K | -282.00K | -1.40M | 739.00K | 1.39M | 1.92M | 824.00K | 866.00K | 1.14M | - | -335.00K | -1.24M | -18.90M | -2.46M | -5.68M |
| Diluted EPS | 1.37 | 1.82 | 2.98 | 0.26 | -0.05 | -0.12 | -0.35 | 0.13 | 0.29 | 0.41 | 0.11 | 0.12 | 0.18 | - | -0.13 | -0.30 | -3.57 | -0.53 | -1.13 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|
| Net Income | 12.70M | 24.62M | -349.00K | 5.70M | 12.60M | -22.94M |
| Diluted EPS | 3.01 | 5.91 | -0.22 | 1.12 | 2.62 | -5.93 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|
| Total Assets | - | 1.54B | 917.10M | 938.89M | 1.12B | 1.29B | 1.30B |
| Total Equity | 51.33M | 71.07M | 96.29M | 91.88M | 100.71M | 110.92M | 87.57M |
| Cash & Equivalents | - | 55.38M | 109.73M | 66.05M | 58.38M | 77.79M | 206.98M |
| Total Liabilities | - | 1.47B | 820.80M | 847.01M | 1.02B | 1.18B | 1.21B |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | -107.82M | 495.39M | 440.25M | 454.80M | 390.53M | 285.30M |
| Investing Cash Flow | -933.38M | 207.62M | -510.61M | -641.28M | -515.93M | -194.94M |
| Financing Cash Flow | 986.00M | -648.66M | 26.67M | 178.82M | 144.80M | 38.84M |
| Capital Expenditure | -3.05M | -13.12M | -8.06M | -7.58M | -1.69M | -300.00K |
| Free Cash Flow | -110.87M | 482.27M | 432.19M | 447.21M | 388.84M | 285.00M |
| Share Buybacks | - | 0 | 49.00K | 13.00K | 0 | 335.00K |
Ratios (Annual)
Figures in %.
| Metric | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - | - |
| Net Margin % | - | - | - | - | - | - |
| ROE % | 17.9% | 25.6% | -0.4% | 5.7% | 11.4% | -26.2% |
| ROCE % | - | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Vanguard Capital Management LLC | 3.80% | 150.81K | $1.39M |
| 2 | First Manhattan Co. LLC | 3.35% | 132.93K | $1.23M |
| 3 | BANC FUNDS CO LLC | 2.31% | 91.68K | $847.11K |
| 4 | Blackrock Inc. | 1.33% | 52.83K | $488.13K |
| 5 | Fourthought Financial Partners, LLC | 1.33% | 52.73K | $487.21K |
| 6 | Geode Capital Management, LLC | 0.98% | 38.77K | $358.28K |
| 7 | Stifel Financial Corporation | 0.92% | 36.67K | $338.86K |
| 8 | Modern Wealth Management, LLC | 0.70% | 27.66K | $255.59K |
| 9 | Vanguard Fiduciary Trust Co | 0.56% | 22.21K | $205.27K |
| 10 | LPL Financial LLC | 0.49% | 19.32K | $178.53K |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for BAFN
FACT CHECK: Did Ashley Hinson vote to ban stock trading in Congress? - KCRG
<a href="https://news.google.com/rss/articles/CBMimAFBVV95cUxNdUhYZF9qbnpENUtRYUdEUmtRLTBaajd4R1RzSGhvTklaUUZFMFl2clZ1M0JfNHM0M2hOa2JGbG5kTlhxdWpDVVNwSW9PTDMyWjY2bEwzQjFuV2pkckVzWVJCdmotQUxFeTRRQXlmcjlZNHZQVHJndmJtaGFJVFhETmhJOGZNTThTZFg0YW…
A Florida banking company is offering up to 4.11 million shares at $3.50 each - Stock Titan
<a href="https://news.google.com/rss/articles/CBMimwFBVV95cUxPZmtmd21jck5kVGxtOFp6dlViQ0V3M1NxZ2NNbGcxYmJ6b09NZ0ZZMHR2azVhUWRWdnYzU3c5S1hVX1lMdnZNY1VLNlh2MXlvNWt6T3VUTU5aTG45U1p2RkZMTC0zaHFMeW5TSHFMQjlScUZhQmdkYWJ3bWIyZzg4eUpaWTFYQTdkdEkyNT…
Price to earnings forward of BayFirst Financial Corp. – NASDAQ:BAFN - tradingview.com
<a href="https://news.google.com/rss/articles/CBMiogFBVV95cUxPMU50eUtvbWpHZ2xyUU1pRkpFNkFmWUlHVGlMRHRZU1lOWnFpUW93X0xYOUhLdDdRYlNVUko4aGRRLWUzMW9FeFRramtwX05HQnR1dEhYSHhNclBYVHFBenhjdlJpMllfLWtmcVhuS2hXeklKRmRPWVBmcXJoX3M0MmRoMkIyRU0tTU9pYk…
(BAFN) as a Liquidity Pulse for Institutional Tactics - Stock Traders Daily
<a href="https://news.google.com/rss/articles/CBMiywFBVV95cUxPbFppeFhtT0lZdVU2NEVYTkFobUZUQTJINnN6a3AxLXJ1TWFUQmVBNzhqalFEdVJaX2h5V25CbHpaQ2k2ek9BXzZLYkNtZU1LeXlrUlJjUHBubmFXeDNRdi11ZjFSWmNjS0s1ZXI4TDEtRU5tWE1zM1pkbzFrd2NMY2FrYWwxVUVYXzcwMz…
Pappas Votes to Ban Stock Trading by Members of Congress, Fights for Additional Reforms - Congressman Chris Pappas | (.gov)
<a href="https://news.google.com/rss/articles/CBMiywFBVV95cUxOMkdlRTd5eFhyRHRTS2xyLTZNU2czd2xBaWpmc0hwTHdyODVaNGF6MTUyM0M1d1ZLYUN4WjBYcF9HazQzYjgwYkZTMUkwdjA1TFU4SThETnJPV2JleTUwa0NSUXBTeDFzb0JhRXNtVEowUTJCNUdEVG0tdWp0NElHYjZUaGNQckVYWDBtdk…
WATCH: Sen. Ossoff Working to Ban Members of Congress from Trading Cryptocurrency & Stocks - ossoff.senate.gov
<a href="https://news.google.com/rss/articles/CBMizAFBVV95cUxQcklsNXZSbHFJR25mckROYW4teThwMkZlRjN0RXJrWUVBX0RfWjROaGROTU5PU0ZqT0lwZ0xWZ0NkU2Z1TjhadjdyNlBVblVDWi11eHFTeXRMRVJSOHpWbXZYVUwwQWo4Q3NTeDM3OUpwMS02VHNFNVhPMHYxeW1xSDk4QVJMcDRHbDBiOV…
BAFN — Frequently Asked Questions
What is the current share price of BayFirst Financial Corp. (BAFN)?
As of 2026-09-19 21:16 PDT, BayFirst Financial Corp. (BAFN) trades at $7.55 on NasdaqCM. Its 52-week range is $4.55 to $10.46.
What is the market capitalisation of BAFN?
BayFirst Financial Corp. (BAFN) has a market capitalisation of $203.57M on NasdaqCM.
What is the P/E ratio of BAFN?
BAFN trades at a trailing price-to-earnings (P/E) ratio of -0.67. The industry average P/E is 12.89. Its price-to-book (P/B) ratio is 1.20.
Does BAFN pay a dividend?
BayFirst Financial Corp. (BAFN) currently offers a dividend yield of 3.95%.
What is the return on equity (ROE) of BAFN?
BAFN has a return on equity (ROE) of -52.42%.
Is BAFN a good stock to buy?
This page provides a data-driven analysis of BayFirst Financial Corp. (BAFN), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.