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BayFirst Financial Corp. BAFN

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Price alert · BAFN

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5.88 USD +0.08 +1.38%

At close · Nov 2

5.88 0.00 0.00%

After hours · Nov 2, 4:00 PM ET

Bid
5.78 × 2
Ask
5.94 × 1
5.58 Day range 5.96
4.26 52-week range 9.56
YTD
-25.10%
1 year
-33.93%
Open
5.82
Prev close
5.80
Mkt cap
182.70M
Vol
25.80K
Avg vol
103.54K
EPS
-4.29
P/E
0.00
Div yield
2.39%
More statistics
Low
5.58
High
5.96
Forward P/E
0.00
Beta
0.99
Short ratio
1.83
Inst. own
14.15%
Dividend
0.32
Ex-div date
Nov 28, 2024
50-d avg
13.31
200-d avg
12.84
1y target
0.00

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Financial health

Altman Z-Score

0.21 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 5
  • Return on Equity 1
  • Return on Assets 1
  • Debt / Equity 5
  • P/E 1
  • P/B 5

Valuation

P/E -1.3×
FY 2016: 7.1×FY 2017: 11.3×FY 2018: -39.8×FY 2019: 12.6×FY 2020: 4.0×FY 2021: 3.7×FY 2022: -57.7×FY 2023: 11.3×FY 2024: 5.0×FY 2025: -1.3×
FY 2016 5y median 3.7× FY 2025
P/S 0.3×
FY 2016: 1.5×FY 2017: 1.1×FY 2018: 1.0×FY 2019: 0.7×FY 2020: 0.4×FY 2021: 1.4×FY 2022: 1.0×FY 2023: 0.5×FY 2024: 0.4×FY 2025: 0.3×
FY 2016 5y median 0.5× FY 2025
P/B 0.4×
FY 2016: 1.8×FY 2017: 1.2×FY 2018: 1.3×FY 2019: 1.0×FY 2020: 0.7×FY 2021: 0.9×FY 2022: 0.7×FY 2023: 0.5×FY 2024: 0.5×FY 2025: 0.4×
FY 2016 5y median 0.5× FY 2025
P/FCF 0.1×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 19.0×FY 2019: -1.1×FY 2020: -0.4×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
EV/EBITDA 7.1×
FY 2016: 4.4×FY 2017: 6.7×FY 2018: 16.4×FY 2019: -3.3×FY 2020: 0.2×FY 2021: -0.8×FY 2022: 2.9×FY 2023: 0.8×FY 2024: -0.1×FY 2025: 7.1×
FY 2016 5y median 0.8× FY 2025
EV/Sales -1.5×
FY 2016: 1.5×FY 2017: 1.1×FY 2018: 0.6×FY 2019: -0.5×FY 2020: 0.0×FY 2021: -0.2×FY 2022: 0.5×FY 2023: 0.1×FY 2024: -0.0×FY 2025: -1.5×
FY 2016 5y median -0.0× FY 2025
FCF Yield 879.3%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 5.3%FY 2019: -90.3%FY 2020: -233.7%FY 2021: 557.1%FY 2022: 634.7%FY 2023: 839.1%FY 2024: 707.4%FY 2025: 879.3%
FY 2016 5y median 707.4% FY 2025

Profitability

Gross Margin 38.0%
FY 2016: 81.1%FY 2017: 80.1%FY 2018: 88.1%FY 2019: 77.1%FY 2020: 79.7%FY 2021: 94.0%FY 2022: 88.2%FY 2023: 61.6%FY 2024: 52.5%FY 2025: 38.0%
FY 2016 5y median 61.6% FY 2025
Operating Margin -29.6%
FY 2016: 33.0%FY 2017: 16.0%FY 2018: -3.5%FY 2019: 8.4%FY 2020: 11.8%FY 2021: 18.5%FY 2022: 10.6%FY 2023: 7.2%FY 2024: 13.6%FY 2025: -29.6%
FY 2016 5y median 10.6% FY 2025
Net Margin -22.0%
FY 2016: 20.6%FY 2017: 9.5%FY 2018: -2.5%FY 2019: 6.0%FY 2020: 9.5%FY 2021: 38.9%FY 2022: -0.5%FY 2023: 5.1%FY 2024: 10.1%FY 2025: -22.0%
FY 2016 5y median 5.1% FY 2025
ROE -26.2%
FY 2016: 25.8%FY 2017: 10.4%FY 2018: -3.2%FY 2019: 8.7%FY 2020: 17.9%FY 2021: 25.6%FY 2022: -0.4%FY 2023: 5.7%FY 2024: 11.4%FY 2025: -26.2%
FY 2016 5y median 5.7% FY 2025
ROIC -19.9%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: -2.3%FY 2019: 5.9%FY 2020: 1.3%FY 2021: 4.9%FY 2022: 4.2%FY 2023: 4.5%FY 2024: 8.8%FY 2025: -19.9%
FY 2016 5y median 4.5% FY 2025
ROA -1.8%
FY 2016: 2.8%FY 2017: 1.3%FY 2018: -0.3%FY 2019: 0.8%FY 2020: 0.8%FY 2021: 2.7%FY 2022: -0.0%FY 2023: 0.5%FY 2024: 1.0%FY 2025: -1.8%
FY 2016 5y median 0.5% FY 2025

Growth (YoY)

Revenue -16.8%
FY 2016: 145.1%FY 2017: 70.9%FY 2018: 36.9%FY 2019: 55.7%FY 2020: 78.9%FY 2021: -52.8%FY 2022: 4.8%FY 2023: 66.9%FY 2024: 13.0%FY 2025: -16.8%
FY 2016 FY 2025
Operating Income -281.5%
FY 2016: 115.0%FY 2017: -17.4%FY 2018: -129.7%FY 2019: 477.0%FY 2020: 150.6%FY 2021: -25.7%FY 2022: -39.9%FY 2023: 14.2%FY 2024: 111.4%FY 2025: -281.5%
FY 2016 FY 2025
EPS (diluted) -345.2%
FY 2016: 205.1%FY 2017: -37.3%FY 2018: -128.5%FY 2019: 395.3%FY 2020: 137.0%FY 2021: 96.3%FY 2022: -104.9%FY 2023: 486.2%FY 2024: 115.2%FY 2025: -345.2%
FY 2016 FY 2025
Free Cash Flow -26.7%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: -1892.9%FY 2020: -141.9%FY 2021: 535.0%FY 2022: -10.4%FY 2023: 3.5%FY 2024: -13.1%FY 2025: -26.7%
FY 2016 FY 2025

Financial Health

Current Ratio 0.2×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.1×FY 2019: 0.3×FY 2020: 0.1×FY 2021: 0.2×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.2×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 0.2×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.1×FY 2019: 0.3×FY 2020: 0.1×FY 2021: 0.2×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.2×
FY 2016 5y median 0.1× FY 2025
Debt / Equity 0.2×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.4×FY 2019: 0.5×FY 2020: 0.2×FY 2021: 0.1×FY 2022: 0.4×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.2×
FY 2016 5y median 0.2× FY 2025
Net Debt / EBITDA 8.6×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: -9.9×FY 2019: -7.8×FY 2020: -2.1×FY 2021: -6.2×FY 2022: -2.8×FY 2023: -2.8×FY 2024: -2.2×FY 2025: 8.6×
FY 2016 5y median -2.8× FY 2025
Interest Coverage -0.8×
FY 2016: 9.6×FY 2017: 2.7×FY 2018: -0.4×FY 2019: 0.8×FY 2020: 1.5×FY 2021: 1.6×FY 2022: 0.8×FY 2023: 0.3×FY 2024: 0.4×FY 2025: -0.8×
FY 2016 5y median 0.4× FY 2025

Dividends

Dividend Yield 4.4%
FY 2016: 0.8%FY 2017: 1.4%FY 2018: 1.5%FY 2019: 2.6%FY 2020: 3.7%FY 2021: 2.4%FY 2022: 3.1%FY 2023: 4.3%FY 2024: 5.2%FY 2025: 4.4%
FY 2016 5y median 4.3% FY 2025
Payout Ratio -6.3%
FY 2016: 5.5%FY 2017: 15.9%FY 2018: -59.8%FY 2019: 29.2%FY 2020: 14.0%FY 2021: 8.4%FY 2022: -607.2%FY 2023: 40.0%FY 2024: 22.7%FY 2025: -6.3%
FY 2016 5y median 8.4% FY 2025

Annual · latest fiscal year ends 2025-12-31