(BAFN) Bayfirst Financial - Ratings and Ratios
Exchange: NASDAQ • Country: United States • Currency: USD • Type: Common Stock • ISIN: US07279B1044
BAFN: Banking, Loans, Mortgages, Investments, Deposits
BayFirst Financial Corp (NASDAQ:BAFN) is a bank holding company for BayFirst National Bank, offering a comprehensive suite of community banking services tailored for businesses and individuals. The company provides a range of deposit products, including checking, savings, NOW, money market, and certificate of deposit accounts, as well as individual retirement accounts and safety deposit boxes. Its lending portfolio includes commercial real estate mortgages, construction and development loans, working capital loans, business loans, auto, boat, and recreational vehicle loans, residential mortgages, personal lines of credit, and home equity lines of credit. Additionally, BayFirst offers mobile and online banking, treasury management, wire transfers, cash management, merchant processing, remote deposit capture, night depositor, online bill payment, courier services, retail investment, ACH originations, and other banking solutions. The company operates full-service banking centers across multiple locations in Florida, including St. Petersburg, Seminole, Pinellas Park, Clearwater, Sarasota, Tampa, Belleair Bluffs, and Bradenton. Formerly known as First Home Bancorp, Inc., the company rebranded as BayFirst Financial Corp in May 2021. Founded in 1999, BayFirst Financial Corp is headquartered in Saint Petersburg, Florida.
As of the latest data, BayFirst Financial Corp operates with a market capitalization of $76.30 million USD, reflecting its position as a smaller regional bank. The company’s trailing P/E ratio of 6.99 indicates undervaluation relative to its earnings, while its forward P/E is not available. The price-to-book ratio of 0.78 suggests that the stock is trading below its book value, which may attract value investors. The price-to-sales ratio of 0.91 further highlights its modest valuation relative to revenue. Return on equity (RoE) stands at 4.38%, indicating moderate profitability. The company’s shares trade on the NASDAQ under the ticker symbol BAFN, classified under the Regional Banks sub-industry within the GICS framework.
Over the next three months, BayFirst Financial Corp is likely to experience sideways trading with potential upside driven by improving earnings or macroeconomic tailwinds. The stock’s valuation metrics suggest it is attractively priced for value-oriented investors, though low trading volume and limited liquidity could pose risks. Investors should monitor earnings reports, loan growth, and broader economic conditions in Florida’s banking sector for cues on future performance.
Additional Sources for BAFN Stock
Tweets: X Stocktwits
Fund Manager Positions: Dataroma Stockcircle
BAFN Stock Overview
| Market Cap in USD | 77m |
| Sector | Financial Services |
| Industry | Banks - Regional |
| GiC Sub-Industry | Regional Banks |
| IPO / Inception | 2019-11-20 |
BAFN Stock Ratings
| Growth 5y | 34.2% |
| Fundamental | 45.4% |
| Dividend | 57.8% |
| Rel. Strength | 18.1 |
| Analysts | - |
| Fair Price Momentum | 18.87 USD |
| Fair Price DCF | 1628.60 USD |
BAFN Dividends
| Dividend Yield 12m | 2.05% |
| Yield on Cost 5y | 3.88% |
| Annual Growth 5y | 3.69% |
| Payout Consistency | 97.0% |
BAFN Growth Ratios
| Growth Correlation 3m | 91.9% |
| Growth Correlation 12m | 85.5% |
| Growth Correlation 5y | -47.1% |
| CAGR 5y | 22.03% |
| CAGR/Max DD 5y | 0.31 |
| Sharpe Ratio 12m | -0.12 |
| Alpha | 36.92 |
| Beta | 0.932 |
| Volatility | 40.66% |
| Current Volume | 23.7k |
| Average Volume 20d | 7.2k |
As of March 30, 2025, the stock is trading at USD 18.15 with a total of 23,682 shares traded.
Over the past week, the price has changed by -2.42%, over one month by +0.72%, over three months by +35.14% and over the past year by +40.88%.
Partly, yes. Based on ValueRay Fundamental Analyses, Bayfirst Financial (NASDAQ:BAFN) is currently (March 2025) ok to buy, but has to be watched. It has a ValueRay Fundamental Rating of 45.35 and therefor a somewhat positive outlook according to the companies health.
Based on ValueRays Analyses, Dividends and Discounted-Cash-Flow, the Fair Value of BAFN as of March 2025 is 18.87. This means that BAFN is currently overvalued and has a potential downside of 3.97%.
Bayfirst Financial has no consensus analysts rating.
According to ValueRays Forecast Model, BAFN Bayfirst Financial will be worth about 20.5 in March 2026. The stock is currently trading at 18.15. This means that the stock has a potential upside of +12.95%.
| Issuer | Forecast | Upside |
|---|---|---|
| Wallstreet Target Price | - | - |
| Analysts Target Price | - | - |
| ValueRay Target Price | 20.5 | 12.9% |