BAFN

$5.41+0.12 (+2.37%)

Market OpenAs of Mar 17, 4:22 PM UTC

BayFirst Financial Corp.

Historical Price

Price (Line)
50-Day SMA
200-Day SMA
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Peer Comparison

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Whystock Valuation Model

Calculated using a trailing P/E relative model adjusted by sector ROE and historical growth.
Current Price$5.41
Potential Upside
5%
Whystock Fair Value$5.68
Price
UndervaluedFair ValueOvervalued

Fundamentals

SectorFinancial Services
IndustryBanks - Regional

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 withdra...

Market Cap
Total dollar market value of a company's outstanding shares of stock (Price * Shares).
$22.21M
P/E Ratio
Priced for growth. Investors expect sustained double-digit expansion.
-
Beta
Defensive asset. Lower volatility than the S&P 500.
0.30
Div Yield
Strong income play. Yield provides a meaningful total return floor.
606.00%
ROIC
Average efficiency. Growth may require heavy reinvestment.
-23.11%
Quick Ratio
Tight liquidity. Monitor cash flow carefully against debt.
-

Recent News

Zacks
Feb 4, 2026

BayFirst Incurs Q4 Loss Amid SBA Exit and Credit Headwinds

BAFN incurs a Q4 net loss per share as it exits SBA lending, faces rising charge-offs and implements deep cost cuts to pivot toward core banking.

BEARISH
Negative press. News cycle fixated on risk factors or misses.
GuruFocus.com
Jan 30, 2026

BayFirst Financial Corp (BAFN) Q4 2025 Earnings Call Highlights: Navigating Challenges with ...

Despite a net loss, BayFirst Financial Corp (BAFN) shows resilience with stable net interest margins and strategic shifts in its business model.

BULLISH
Positive press. Headlines skewed toward growth and analyst upgrades.
Zacks
Nov 5, 2025

BayFirst Incurs Loss in Q3, Exits SBA Lending Amid Shakeup

BAFN incurred a loss of $4.66 per share in Q3 2025 due to heavy restructuring and SBA loan exits. Management targets profitability recovery and balance-sheet stability by 2026.

BEARISH
Negative press. News cycle fixated on risk factors or misses.
GuruFocus.com
Oct 31, 2025

BayFirst Financial Corp (BAFN) Q3 2025 Earnings Call Highlights: Strategic Shift and Financial ...

BayFirst Financial Corp (BAFN) exits SBA 7A lending to focus on community banking amid significant quarterly losses.

BEARISH
Negative press. News cycle fixated on risk factors or misses.
Zacks
Sep 29, 2025

The Zacks Analyst Blog Highlights NVIDIA, Berkshire Hathaway, The Home Depot and BayFirst Financial

NVDA, BRK.B, HD and BAFN are boasting strong AI growth, diversified operations, retail performance, and regional banking opportunities, respectively.

BULLISH
Positive press. Headlines skewed toward growth and analyst upgrades.