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- Ticker
- BAFN
- Price
- 6.75
- Stock movement up
- +0.22 (3.37%)
- Company name
- Bayfirst Financial Corp
- Exchange
- (NASDAQ ,
- Currency
- USD )
- Sector
- Financial Services >Banks - Regional
- Market cap
- 27.74M
- Ent value
- 1.28B
- Price/Sales
- 0.24
- Price/Book
- 0.31
- Div yield
- 4.74%
- Div growth
- -
- Growth years
- -
- FCF payout
- 1.24%
- Trailing P/E
- -
- Forward P/E
- -
- PEG
- -
- EPS growth
- 14.21%
- 1 year return (CAGR)
- -50.91%
- 3 year return (CAGR)
- -
- 5 year return (CAGR)
- -
- 10 year return (CAGR)
- -
Last updated: 2026-01-22
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DIVIDENDS
Dividend yield - 5y
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Dividend yield data
| Dividend per share | 0.32 |
| Dividend yield | 4.74% |
| Payout frequency | Quarterly |
| Maximum yield | 5.31% |
| Average yield | 2.76% |
| Minimum yield | 1.65% |
| Discount to avg yield | 41.81% |
| Upside potential | 71.86% |
| Yield as % of max yield | 89.33% |
Yield distribution (inverse percentile) - 5y
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Yield distribution data
| Dividend yield | 4.74% |
| Current yield distribution | 2.18% |
| Yield at 100% (Min) | 1.65% |
| Yield at 90% | 1.90% |
| Yield at 80% | 2.09% |
| Yield at 50% (Median) | 2.40% |
| Yield at 20% | 3.76% |
| Yield at 10% | 4.03% |
| Yield at 0% (Max) | 5.31% |
Dividend per share
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Dividend per share data
| Years of growth | - |
| CCC status | - |
| Dividend per share | 0.32 |
| Payout frequency | Quarterly |
| Ex-div date | 30 May 2025 |
| EPS (TTM) | -2.58 |
| EPS (1y forward) | - |
| EPS growth (5y) | 14.21% |
| EPS growth (5y forward) | - |
Dividend growth
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Dividend growth data
| BAFN | S&P500 | |
| DGR MR | 14.29% | -13.74% |
| DGR TTM | - | 6.60% |
| DGR 3 years | - | 7.31% |
| DGR 5 years | - | 4.69% |
| DGR 10 years | - | 6.30% |
| DGR 15 years | - | 8.16% |
| Time since last change announced | 1466 days |
| EPS growth (5y) | 14.21% |
| EPS growth (5y forward) | - |
Payout ratio
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Payout ratio data
| EPS coverage | FCF coverage | |
| TTM | -27.29% | 1.24% |
| Average | - | - |
| Forward | - | - |
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iO Charts is a Seeking Alpha partner
VALUATION
Valuation Ratios
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Valuation Ratios data
| Trailing P/E | - |
| Price to OCF | 0.28 |
| Price to FCF | 0.12 |
| Price to EBITDA | 1.52 |
| EV to EBITDA | 70.24 |
Valuation (Sales/Book Value)
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Valuation (Sales/Book Value) data
| Price to Sales | 0.24 |
| Price to Book | 0.31 |
| EV to Sales | 10.92 |
iO Charts is a Seeking Alpha partner
iO Charts is a Seeking Alpha partner
FINANCIALS
Per share
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Per share data
| Current share count | 4.11M |
| EPS (TTM) | -2.58 |
| FCF per share (TTM) | 56.66 |
Income statement
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Income statement data
| Revenue (TTM) | 117.10M |
| Gross profit (TTM) | 43.61M |
| Operating income (TTM) | -7.97M |
| Net income (TTM) | -10.70M |
| EPS (TTM) | -2.58 |
| EPS (1y forward) | - |
Margins
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Margins data
| Gross margin (TTM) | 37.24% |
| Operating margin (TTM) | -6.80% |
| Profit margin (TTM) | -9.14% |
Balance Sheet
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Balance Sheet data
| Cash | 5.19M |
| Net receivables | 8.90M |
| Total current assets | 43.95M |
| Goodwill | 0.00 |
| Intangible assets | 15.66M |
| Property, plant and equipment | 46.53M |
| Total assets | 1.35B |
| Accounts payable | 1.08M |
| Short/Current long term debt | 71.11M |
| Total current liabilities | 0.00 |
| Total liabilities | 1.26B |
| Shareholder's equity | 89.73M |
| Net tangible assets | 0.00 |
Cash flow
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Cash flow data
| Operating cash flow (TTM) | 97.46M |
| Capital expenditures (TTM) | 551.00K |
| Free cash flow (TTM) | 234.63M |
| Dividends paid (TTM) | 2.92M |
Financial returns
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Financial returns data
| Return on Equity | -11.92% |
| Return on Assets | -0.79% |
| Return on Invested Capital | -7.66% |
| Cash Return on Invested Capital | 167.92% |
iO Charts is a Seeking Alpha partner
iO Charts is a Seeking Alpha partner
STOCK INFORMATION
Stock chart
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Stock price data
| Open | 6.58 |
| Daily high | 6.80 |
| Daily low | 6.58 |
| Daily Volume | 10K |
| All-time high | 32.50 |
| 1y analyst estimate | - |
| Beta | 0.31 |
| EPS (TTM) | -2.58 |
| Dividend per share | 0.32 |
| Ex-div date | 30 May 2025 |
| Next earnings date | 29 Jan 2026 |
Downside potential
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Downside potential data
| BAFN | S&P500 | |
| Current price drop from All-time high | -79.23% | -0.89% |
| Highest price drop | -81.45% | -19.00% |
| Date of highest drop | 16 Jan 2026 | 8 Apr 2025 |
| Avg drop from high | -61.11% | -2.49% |
| Avg time to new high | - | 6 days |
| Max time to new high | 321 days | 89 days |
iO Charts is a Seeking Alpha partner
iO Charts is a Seeking Alpha partner
COMPANY DETAILS
Marketcap
27.74M
Marketcap category
Small-cap
Description
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 depositor, 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.
Employees
237
Investor relations
-
SEC filings
CEO
Country
USA
City
Stock type
-
CCC status
-
Dividend Frequency
Quarterly
EVENTS AND PRESENTATIONS
EventsPresentations
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iO Charts is a Seeking Alpha partner
UNDERSTAND THE BUSINESS
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COMPANY NEWS
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