BAFN logo

BAYFIRST FINANCIAL CORP

BAFNNASDAQ
πŸ† #4675 by market capEarnings Nov 5US Equity
$7.21β–² $0.86 (+11.96%)
πŸŒ™ After hours$7.21β–² 0.00%Regular close Β· extended-hours price shown
πŸ””
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24hβ–² 12.0%
7dβ–Ό 19.5%
14dβ–Ό 19.2%
30dβ–² 11.3%
ytdβ–Ό 7.9%
1yβ–Ό 31.6%
🏦Market Cap
$30M
Small Cap
πŸ“ˆRevenue Growth (YoY)
-16.8%
Declining
πŸ“ŠGross Margin
-18.1%
Thin
πŸ’΅FCF Margin
226.8%
Strong
βš–οΈP/S Ratio
0.5x
Cheap
Otter Score
68
Fair

Trading Snapshot

Day Range
$7.17 – $7.28
52-Week Range
$4.26 – $10.80
Volume
$2.13B
Avg Volume
$2.40B
Shares Outstanding
4.1M
Next Earnings
Dec 1, 2026

Fundamentals Snapshot

Annual Revenue
$104M
Last Q Revenue
$10M
P/E Ratio
-0.5
P/S Ratio
0.5x
EPS (TTM)
$-14.57
Dividend Yield
0.00%
Dilution (1yr)
βˆ’7.0%

Why Investors Own BAFN

  • βœ“High-growth profile β€” revenue up +46.0% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 47% gross margin and 20% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

BAFN logo

BAYFIRST FINANCIAL CORP

BAFN
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$104Mβ–Ό βˆ’16.8% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
38.0%β–Ό βˆ’27.6% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
βˆ’$31Mβ–Ό βˆ’281.5% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$285Mβ–Ό βˆ’26.7% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
4.1Mβ–Ό βˆ’7.0% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$186Mβ–² +$129M YoY
StockOtter Β· stockotter.space

About BAYFIRST FINANCIAL CORP

Founded in 1999 and headquartered in Saint Petersburg, Florida, BayFirst Financial Corp. functions as the parent entity for First Home Bank. This financial institution offers a comprehensive array of commercial and consumer banking solutions for both businesses and individual clients. Its product portfolio includes various deposit accounts such as checking, savings, and certificates of deposit. Borrowers can access a range of home financing options, including residential mortgages, home equity loans, and home equity lines of credit. For businesses, specialized lending programs are available, encompassing minority lending initiatives, PPP loan forgiveness services, SBA loans, and general commercial lending. Furthermore, the company provides treasury management, merchant services, online banking, investment products, and credit cards. As of January 26, 2022, BayFirst Financial Corp. operated seven full-service branch locations across Florida in St. Petersburg, Seminole, Pinellas Park, Clearwater, Sarasota, Tampa, and Belleair Bluffs, alongside 23 mortgage loan production offices. The firm adopted its current name in May 2021, having previously operated as First Home Bancorp, Inc.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
68/100

Analyst Price Target

β“˜
Average Target
$7.21
β–² +0.0% Upside
High Target$8.20
Low Target$5.47
Based on 17 analysts

Latest News & Updates

GlobeNewsWireΒ·5d ago

BayFirst Elects Twelve Directors to its Board of Directors

ST. PETERSBURG, Fla., Sept. 24, 2026 (GLOBE NEWSWIRE) -- BayFirst Financial Corp. (NASDAQ: BAFN) (β€œBayFirst” or β€œCompany”), parent company of BayFirst National Bank (β€œBank”) today announced that twelve directors of the c

Seeking AlphaΒ·7d ago

BayFirst Financial Corp. (BAFN) Shareholder/Analyst Call Prepared Remarks Transcript

BayFirst Financial Corp. (BAFN) Shareholder/Analyst Call Prepared Remarks Transcript

Defense WorldΒ·13d ago

Contrasting Magyar Bancorp (NASDAQ:MGYR) and BayFirst Financial (NASDAQ:BAFN)

Magyar Bancorp (NASDAQ: MGYR - Get Free Report) and BayFirst Financial (NASDAQ: BAFN - Get Free Report) are both small-cap finance companies, but which is the better investment? We will contrast the two companies based o

GlobeNewsWireΒ·28d ago

BayFirst Financial Corp. Launches Rights Offering

ST. PETERSBURG, Fla., Sept. 01, 2026 (GLOBE NEWSWIRE) -- BayFirst Financial Corp. (NASDAQ: BAFN) (β€œBayFirst” or β€œCompany”), parent company of BayFirst National Bank announced that on August 31, 2026, the Securities and E

Defense WorldΒ·Aug 29

BlackRock Inc. Makes New $127.54 Million Investment in BayFirst Financial Corp. $BAFN

BlackRock Inc. bought a new stake in BayFirst Financial Corp. (NASDAQ: BAFN) in the undefined quarter, according to the company in its most recent 13F filing with the Securities and Exchange Commission. The institutional

Zacks Investment ResearchΒ·Aug 20

BayFirst Q2 Loss Widens Y/Y on Asset Resolution Costs

BAFN's Q2 loss per share widens year over year due to asset resolution costs and sharply higher credit-loss provisions, while lower loans and deposits offset improved capital ratios and underlying margin trends.