NASDAQ · Banks - Regional

BAFN (BAFN) Stock

$6.17 -2.76% NASDAQ: BAFN Financial Services

Valuation

MetricValue
Price$6.17
Market Cap$25.34M
P/E Ratio-1.03
P/B Ratio0.28
P/S Ratio0.30
EPS (TTM)$0.00
52-Week High$15.45
52-Week Low$4.31
Dividend Yield1.25%

Financials & Margins

MetricValue
ROE-26.14%
ROA-1.77%
ROCE-35.63%
Gross Margin-29.81%
Operating Margin-29.81%
Net Margin-32.75%
Debt/Equity0.25
Current Ratio0.18

Annual Financials (USD)

Metric20212022202320242025
Revenue$63.0M$66.0M$111.0M$125.0M$104.0M
Operating Profit$12.0M$7.0M$8.0M$17.0M$-31.0M
Net Profit$25.0M$0$6.0M$13.0M$-23.0M
EPS$5.91$-0.29$1.12$2.41$-5.91
Op Margin18.5%10.6%7.3%13.6%-29.6%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$917.0M$939.0M$1.1B$1.3B$1.3B
Total Liabilities$821.0M$847.0M$1.0B$1.2B$1.2B
Cash$112.0M$71.0M$63.0M$80.0M$207.0M
Borrowings$13.0M$37.0M$21.0M$22.0M$21.0M

Latest News

BayFirst Announces Impact of Asset Resolution Plan and Restatement of Prior Period Financial Statements GlobeNewswire · Jul 15, 2026 BayFirst Announces Second Quarter 2026 Conference Call and Webcast GlobeNewswire · Jun 30, 2026 BAFN Incurs Q1 Loss on SBA Loan Credit Stress, Stock Down 10% Zacks · May 6, 2026 Florida’s BayFirst makes a switch at CEO Banking Dive · May 4, 2026 BayFirst Financial Corp (BAFN) Q1 2026 Earnings Call Highlights: Strategic Capital Raise Amidst ... GuruFocus.com · May 2, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$495.0M$440.0M$455.0M$391.0M$285.0M
Investing Cash Flow$195.0M$-519.0M$-649.0M$-518.0M$-195.0M
Financing Cash Flow$163.0M$73.0M$190.0M$158.0M$40.0M
Net Cash Flow$54.0M$-44.0M$-8.0M$19.0M$129.0M
Free Cash Flow$482.0M$432.0M$447.0M$389.0M$285.0M

Valuation & Return Ratios

MetricValue
PEG Ratio—
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y-60.89%
Return 3Y-54.29%
Return 5Y-76.29%

Ownership

Insiders Held19.84%
Institutions Held15.72%
Institutions Float Held19.62%
Institutional HolderSharesReport Date
Vanguard Capital Management LLC148,6352026-03-31
First Manhattan Co. LLC127,9262026-03-31
BANC FUNDS CO LLC91,6792026-03-31
Blackrock Inc.51,7352026-03-31
Fourthought Financial Partners, LLC46,2282026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
HFBL $23.31 +6.20% 15.48 $71.19M 2.77%
ICMB $0.76 -1.30% 1.61 $10.97M 0.00%
KFFB $5.36 +0.03% 43.60 $43.34M 0.00%
MBBC $15.13 +1.14% 717.00 $44.64M 0.00%
MDBH $3.05 +0.33% -1.72 $30.78M 0.00%

About BAFN

BAFN is led by CEO Thomas G. Zernick, publicly traded since 2021.

BAFN stock trades at $6.17 with a market capitalization of $25.34M. The stock is valued at a price-to-earnings (P/E) ratio of -1.03, price-to-book of 0.28, price-to-sales of 0.30. Over the past 52 weeks the stock has ranged between $4.31 and $15.45, and currently trades 60.1% below its 52-week high. It pays a dividend yielding 1.25%.

On profitability, BAFN generates a return on equity (ROE) of -26.14%, return on capital employed of -35.63%, an operating margin of -29.81%, a net profit margin of -32.75%.

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