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Bayfirst Financial Corp

BAFN

8.500USD

-0.100-1.16%

Close 09/19, 16:00（ET）Quotes delayed by 15 min

35.14MMarket Cap

4.51P/E TTM



Bayfirst Financial Corp

8.500

-0.100-1.16%

Overview Company Financials Analysis

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

TradingKey Stock Score

Currency: USD Updated: 2025-09-19

Key Insights

The company's fundamentals are relatively stable. Its valuation is considered fairly valued,and institutional recognition is very high. Despite a very weak stock market performance, the company shows strong technicals. The stock price is trading sideways between the support and resistance levels, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Industry Ranking

205 / 400

Overall Ranking

438 / 4720

Industry

Banking Services

Support & Resistance

No Data

Score Analysis

Current score

Previous score

Analyst Rating

Based on 0 analysts

Current Rating

Target Price

Upside Space

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Company Highlights

StrengthsRisks

BayFirst Financial Corp. is a bank holding company that operates through its wholly owned subsidiary, BayFirst National Bank (the Bank). The Bank operates about 12 full-service banking offices throughout the Tampa Bay region and offers a range of commercial and consumer banking services to businesses and individuals. The Bank offers its products and services through its Community Banking Division and its separately branded loan origination platform, CreditBench. CreditBench is a government guaranteed lender with specific expertise in originating small business administration (SBA) 7(a) loans and United States Department of Agriculture (USDA) loans throughout the nation. The Bank offers specialized business and personal checking accounts, Internet banking and online bill payment, remote capture and deposit, cash management, and others. The Bank also offers customary community bank deposit products, including interest-bearing and noninterest-bearing checking accounts, and others.

High Growth

The company's revenue has grown steadily over the past 3 years, averaging 29.25% year-on-year.

Growing

The company is in a growing phase, with the latest annual income totaling USD 71.17M.

High Dividend

The company is a high dividend payer, with the latest dividend payout ratio of 11.89%.

Stable Dividend

The company has regularly paid dividends over the past 5 years, with the latest dividend payout ratio of 11.89%.

Undervalued

The company’s latest PB is 0.38, at a low 3-year percentile range.

Institutional Selling

The latest institutional holdings are 1.24M shares, decreasing 10.78% quarter-over-quarter.

Held by The Vanguard

Star Investor The Vanguard holds 89.10K shares of this stock.

Financial Health

Currency: USD Updated: 2025-09-19

The company's current financial score is 5.94, which is lower than the Banking Services industry's average of 7.06. Its financial status is weak, and its operating efficiency is high. Its latest quarterly revenue reached 19.44M, representing a year-over-year increase of 21.25%, while its net profit experienced a year-over-year increase of 438.12%.

Score

Industry at a Glance

Previous score

5.94

Change



Financials

4.34

Key Metrics

Cash and cash equivalents

Total assets

Total liabilities

Free cash flow

No Data



Quality of Earnings

2.54

Key Metrics

Total revenue

Operating profit

Total assets

SG&A

No Data



Operational Efficiency

10.00

Key Metrics

Cash flow from operating activities

Income after tax

No Data



Growth Potential

3.71

Key Metrics

Cash flow from operating activities

Total revenue

No Data



Shareholder Returns

9.13

Key Metrics

Free cash flow

No Data

Company Valuation

Currency: USD Updated: 2025-09-19

The company’s current valuation score is 1.20, which is lower than the Banking Services industry's average of 1.34. Its current P/E ratio is 4.56, which is 198.84% below the recent high of 13.64 and -39.15% above the recent low of 6.35.

Score

Industry at a Glance

Previous score

1.20

Change

Valuation Dimensions

P/E

P/B

P/S

P/CF

Industry Ranking 205/400

No Data

Earnings Forecast

Currency: USD Updated: 2025-09-19

There is no earnings forecast score for this company; the Banking Services industry's average is 7.39.

Score

Industry at a Glance

Previous score

0.00

Change

Support & Resistance

No Data

No Data

Financial Forecasting

EPS

Revenue

Net Profit

EBIT

No Data

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Price Momentum

Currency: USD Updated: 2025-09-19

The company’s current price momentum score is 7.41, which is lower than the Banking Services industry's average of 8.43. Sideways: Currently, the stock price is trading between the resistance level at 10.59 and the support level at 6.50, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

7.41

Change

-0.04

Support & Resistance

No Data

Indicators



The Indicators feature provides value and direction analysis for various instruments under a selection of technical indicators, together with a technical summary.

This feature includes nine of the commonly used technical indicators: MACD, RSI, KDJ, StochRSI, ATR, CCI, WR, TRIX and MA. You may also adjust the timeframe depending on your needs.

Please note that technical analysis is only part of investment reference, and there is no absolute standard for using numerical values to assess direction. The results are for reference only, and we are not responsible for the accuracy of the indicator calculations and summaries.

Indicators

Sell(2)

Neutral(3)

Buy(1)

Indicators

Value

Direction

MACD(12,26,9)

0.296

Neutral

RSI(14)

41.157

Neutral

STOCH(KDJ)(9,3,3)

54.280

Buy

ATR(14)

0.367

Low Volatility

CCI(14)

-47.814

Neutral

Williams %R

55.085

Sell

TRIX(12,20)

-0.927

Sell

StochRSI(14)

87.988

Overbought

Moving Average

Sell(5)

Neutral(0)

Buy(1)

Indicators

Value

Direction

MA5

8.436

Buy

MA10

8.506

Sell

MA20

8.774

Sell

MA50

10.957

Sell

MA100

12.996

Sell

MA200

14.308

Sell

Institutional Confidence

Currency: USD Updated: 2025-09-19

The company’s current institutional recognition score is 3.00, which is lower than the Banking Services industry's average of 6.22. The latest institutional shareholding proportion is 30.09%, representing a quarter-over-quarter increase of 0.29%. The largest institutional shareholder is The Vanguard, holding a total of 89.10K shares, representing 2.16% of shares outstanding, with 34.10% increase in holdings.

Score

Industry at a Glance

Previous score

3.00

Change

Institutional Shareholding

No Data

Shareholder Activity

Name

Shares Held

Chg %

Berset (Mark S)

286.42K

+0.02%

1st & Main Growth Partners

150.27K

First Manhattan Co. LLC

125.45K

-9.76%

The Vanguard Group, Inc.

Star Investors

88.20K

+32.77%

Berset (Derek Steven)

70.33K

+0.47%

Saravanos (Anthony)

57.16K

+0.49%

BlackRock Institutional Trust Company, N.A.

48.13K

-0.80%

Politis (Christos)

43.71K

+1.04%

Salzhauer Michael

55.08K

FourThought Financial Partners, LLC

37.23K

+33.30%

Risk Assessment

Currency: USD Updated: 2025-09-19

The company’s current risk assessment score is 3.12, which is lower than the Banking Services industry's average of 5.23. The company's beta value is 0.32. This indicates that the stock tends to underperform the index during upward trending markets but experiences smaller declines during downward trending markets.