BAFN Stock Price, BayFirst Financial Corp. Quote, Chart

Market Summary

USD12.48+0.17

Market Closed

1.38%

BAFN Stock Price

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BAFN RSI Chart

BAFN Valuation

Market Cap

51.6M

Price/Earnings (Trailing)

8.92

Price/Sales (Trailing)

0.75

EV/EBITDA

-0.13

Price/Free Cashflow

0.1

BAFN Price/Sales (Trailing)

BAFN Profitability

EBT Margin

11.77%

Return on Equity

5.75%

Return on Assets

0.51%

Free Cashflow Yield

983.39%

BAFN Fundamentals

BAFN Revenue

Revenue (TTM)

68.5M

Rev. Growth (Yr)

0.12%

Rev. Growth (Qtr)

-24.32%

BAFN Earnings

Earnings (TTM)

5.8M

Earnings Growth (Yr)

11.5%

Earnings Growth (Qtr)

-50.21%

Breaking Down BAFN Revenue

Last 7 days

-2.6%

Last 30 days

-2.5%

Last 90 days

-2.1%

How does BAFN drawdown profile look like?

BAFN Financial Health

BAFN Investor Care

Dividend Yield

2.56%

Dividend/Share (TTM)

0.32

Shares Dilution (1Y)

0.73%

Diluted EPS (TTM)

1.1

Historical Charts for Stock Metrics

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Net sales

Year	Q1	Q2	Q3	Q4
2024	68.5M	0	0	0
2023	45.8M	55.8M	62.2M	68.5M
2022	61.2M	30.7M	33.2M	38.6M
2021	95.1M	92.5M	89.9M	87.3M
2020	0	0	0	97.7M

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Tracking the Latest Insider Buys and Sells of BayFirst Financial Corp.

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
May 02, 2024	oliver robin leigh	acquired	299	11.57	25.9202	president, coo
May 02, 2024	tudor rhonda s	acquired	299	11.57	25.9202	svp, chief accounting officer
May 02, 2024	zernick thomas gerard	acquired	1,499	11.57	129	ceo
Mar 15, 2024	zernick thomas gerard	acquired	514	13.00	39.5592	ceo
Mar 15, 2024	berset mark s	acquired	385	13.00	29.65	-
Mar 15, 2024	berset mark s	acquired	57.9995	13.00	4.4615	-
Mar 15, 2024	helal tarek	acquired	17.1496	13.00	1.3192	-
Mar 15, 2024	tudor rhonda s	acquired	17.5006	13.00	1.3462	svp, chief accounting officer
Mar 15, 2024	saravanos anthony	acquired	4,035	13.00	310	-
Mar 15, 2024	berset derek steven	acquired	4,805	13.00	369	-

Which funds bought or sold BAFN recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 15, 2024	Royal Bank of Canada	added	20.5	1,000	3,000	-%
May 15, 2024	Tower Research Capital LLC (TRC)	added	46.95	3,531	11,228	-%
May 15, 2024	FIRST MANHATTAN CO. LLC.	unchanged	-	-13,206	1,800,240	0.01%
May 15, 2024	KENNEDY CAPITAL MANAGEMENT LLC	added	28.11	98,047	458,754	0.01%
May 14, 2024	NORTHERN TRUST CORP	reduced	-10.26	-17,594	143,590	-%
May 13, 2024	BANC FUNDS CO LLC	added	8.3	136,000	1,946,000	0.22%
May 13, 2024	GEODE CAPITAL MANAGEMENT, LLC	added	4.1	15,912	404,262	-%
May 13, 2024	Gator Capital Management, LLC	unchanged	-	-5,890	802,900	0.41%
May 10, 2024	VANGUARD GROUP INC	reduced	-13.9	-233,690	1,374,680	-%
May 10, 2024	BlackRock Inc.	reduced	-0.45	-7,493	630,069	-%

Are Funds Buying or Selling BAFN?

Are funds buying BAFN calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own BAFN

No. of Funds

Recent SEC filings of BayFirst Financial Corp.

View All Filings

Date Filed	Form Type	Document
May 17, 2024	8-K	Current Report
May 16, 2024	8-K	Current Report
May 13, 2024	10-Q	Quarterly Report
May 06, 2024	4	Insider Trading
May 06, 2024	4	Insider Trading
May 06, 2024	4	Insider Trading
Apr 30, 2024	8-K	Current Report
Apr 25, 2024	8-K	Current Report
Apr 05, 2024	DEF 14A	DEF 14A
Mar 28, 2024	10-K	Annual Report

Peers (Alternatives to BayFirst Financial Corp.)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
JPM	588.1B	174.7B	13.73%	46.82%	11.68	3.37	53.11%	19.83%
BAC	307.4B	137.9B	11.58%	38.08%	12.28	2.23	56.12%	-12.56%
WFC	213.0B	85.8B	6.86%	51.95%	11.35	2.48	35.02%	26.14%
C	122.2B	125.0B	10.16%	38.13%	15.29	0.98	37.85%	-
CFG	16.9B	10.4B	12.51%	41.04%	11.81	1.62	26.22%	-33.87%
KEY	14.5B	8.1B	6.72%	53.23%	16.61	1.78	32.15%	-50.93%
MID-CAP
CMA	7.3B	4.2B	10.08%	41.38%	10.46	1.71	34.68%	-45.96%
ZION	6.6B	4.1B	14.23%	65.05%	10.55	1.63	32.93%	-30.73%
ABCB	3.5B	1.3B	13.35%	57.95%	12.32	2.65	30.60%	-12.99%
ASB	3.4B	2.0B	11.57%	43.03%	20.88	1.65	47.11%	-59.32%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
AROW	417.1M	173.1M	15.06%	27.00%	14.3	2.41	26.54%	-34.86%
ALRS	390.4M	152.4M	-0.90%	32.84%	39.27	2.56	16.94%	-73.84%
ACNB	295.5M	98.7M	10.19%	20.01%	10.04	2.99	6.27%	-22.90%
ASRV	48.0M	62.5M	8.95%	-1.75%	-16.24	0.77	18.83%	-145.18%

BayFirst Financial Corp. News

Latest updates

BayFirst Financial Corp. Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Income Statement (Quarterly)															(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3
Revenue	-24.3%	14,268	18,854	17,620	17,792	14,251	12,520	11,284	7,759	7,003	7,162	8,805	38,212	33,159	32,676	32,192
EBITDA Margin	-0.6%	0.68*	0.68*	0.75*	0.87*	0.95*	1.00*	0.75*	0.56*	0.67*	0.66*	0.56*	0.55*	0.53*	0.52*	-
Interest Expenses	-1.5%	8,742	8,877	8,393	10,108	9,053	8,574	9,170	6,587	5,669	4,731	7,276	12,904	12,630	-	10,084
Income Taxes	-58.0%	296	704	674	461	280	672	983	-68.00	-27.00	-2,106	-362	4,432	2,557	-	1,815
Earnings Before Taxes	-50.1%	1,179	2,365	2,644	1,878	1,147	2,785	4,066	324	-137	-6,768	-1,680	17,448	10,068	-	7,068
EBT Margin	0.4%	0.12*	0.12*	0.14*	0.18*	0.18*	0.18*	-0.08*	-0.27*	0.14*	0.22*	0.18*	0.17*	0.17*	0.16*	-
Net Income	-50.2%	824	1,655	1,923	1,385	739	1,322	-1,402	-282	13.00	2,811	1,280	13,016	7,511	-	5,253
Net Income Margin	1.5%	0.08*	0.08*	0.09*	0.04*	0.01*	-0.01*	0.03*	0.12*	0.28*	0.28*	0.14*	0.14*	0.13*	0.13*	-
Free Cashflow	-2.7%	122,531	125,869	134,604	124,408	62,334	153,685	127,669	46,938	103,895	361,314	30,417	88,963	1,579	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet															(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3
Assets	2.4%	1,144	1,118	1,134	1,087	1,070	939	930	921	889	917	944	1,198	1,717	1,545	1,502
Cash Equivalents	-1.5%	58.00	58.00	113	104	132	66.00	36.00	68.00	122	110	107	105	61.00	55.00	34.00
Net PPE	-100.0%	-	39.00	-	-	-	35.00	-	31.00	31.00	30.00	25.00	-	-	18.00	-
Liabilities	2.6%	1,044	1,017	1,040	996	980	847	840	828	794	821	849	-	-	1,474	-
Shareholder's Equity	-0.1%	101	101	94.00	91.00	90.00	92.00	91.00	93.00	95.00	96.00	94.00	93.00	79.00	71.00	62.00
Retained Earnings	0.3%	35.00	34.00	33.00	32.00	31.00	33.00	33.00	35.00	35.00	36.00	34.00	-	-	13.00	-
Shares Outstanding	0.6%	4.00	4.00	4.00	4.00	4.00	4.00	4.00	4.00	4.00	4.00	4.00	-	-	3.00	-
Float	-	-	-	-	57.00	-	-	-	57.00	-	-	-	75.00	-	-	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)															(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3
Cashflow From Operations	-2.9%	123,535	127,252	135,064	127,274	65,207	156,814	129,828	47,892	105,717	366,474	34,558	92,175	2,181	-	-
Share Based Compensation	-60.6%	65.00	165	216	138	85.00	248	147	214	154	108	99.00	113	141	-	-
Cashflow From Investing	7.4%	-150,712	-162,723	-170,455	-171,204	-136,894	-133,096	-169,254	-136,800	-71,455	-334,725	223,742	480,362	-161,762	-	-
Cashflow From Financing	240.6%	26,297	-18,697	44,237	15,970	137,308	5,832	7,986	34,743	-21,888	-29,119	-256,540	-528,197	165,199	-	-
Dividend Payments	0.9%	331	328	328	329	328	321	324	321	321	278	274	270	234	-	-
Buy Backs	-	-	-	3.00	10.00	-	-	-	-	49.00	-	-	-	-	-	-

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BAFN Income Statement

2024-03-31

CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Interest income:
Loans, including fees	$ 18,228	$ 13,071
Interest-bearing deposits in banks and other	959	1,180
Total interest income	19,187	14,251
Interest expense:
Deposits	10,215	4,923
Borrowings	230	275
Total interest expense	10,445	5,198
Net interest income	8,742	9,053
Provision for credit losses	4,058	1,942
Net interest income after provision for credit losses	4,684	7,111
Noninterest income:
Loan servicing income, net	795	740
Gain on sale of government guaranteed loans, net	8,089	4,409
Service charges and fees	444	379
Government guaranteed loans fair value gain	3,305	3,574
Other noninterest income	1,635	346
Total noninterest income	14,268	9,448
Noninterest expense:
Salaries and benefits	8,005	7,835
Bonus, commissions, and incentives	1,571	804
Occupancy and equipment	1,110	1,163
Data processing	1,560	1,347
Marketing and business development	588	665
Professional services	1,349	897
Loan origination and collection	1,719	1,495
Employee recruiting and development	597	568
Regulatory assessments	282	99
Other noninterest expense	992	539
Total noninterest expense	17,773	15,412
Income from continuing operations before income taxes	1,179	1,147
Income tax expense from continuing operations	296	280
Net income from continuing operations	883	867
Loss from discontinued operations before income taxes	(78)	(170)
Income tax benefit from discontinued operations	(19)	(42)
Net loss from discontinued operations	(59)	(128)
Net income	824	739
Preferred stock dividends	385	208
Net income available to common shareholders	$ 439	$ 531
Basic earnings (loss) per common share:
Continuing operations (in dollars per share)	$ 0.12	$ 0.16
Discontinued operations (in dollars per share)	(0.01)	(0.03)
Total basic earnings per common share (in dollars per share)	0.11	0.13
Diluted earnings (loss) per common share:
Continuing operations (in dollars per share)	0.12	0.16
Discontinued operations (in dollars per share)	(0.01)	(0.03)
Total diluted earnings per common share (in dollars per share)	$ 0.11	$ 0.13

BAFN Balance Sheet

2024-03-31

CONSOLIDATED BALANCE SHEETS - USD ($)
$ in Thousands

Mar. 31, 2024

Dec. 31, 2023

^[1]

ASSETS

Cash and due from banks

$ 4,425

$ 4,099

Interest-bearing deposits in banks

53,080

54,286

Cash and cash equivalents

57,505

58,385

Time deposits in banks

3,000

4,646

Investment securities available for sale, at fair value (amortized cost: $46,816 and $43,597 at March 31, 2024 and December 31, 2023, respectively)

42,514

39,575

Investment securities held to maturity, at amortized cost, net of allowance for credit losses of $14 and $17 (fair value: $2,352 and $2,263 at March 31, 2024 and December 31, 2023, respectively)

2,487

2,484

Nonmarketable equity securities

5,228

4,770

Loans HFI, at amortized cost, net of allowance for credit losses of $13,906 and $13,497 at March 31, 2024 and December 31, 2023, respectively

843,193

810,721

Accrued interest receivable

7,625

7,130

Premises and equipment, net

39,327

38,874

Loan servicing rights

15,742

14,959

Right-of-use operating lease assets

2,499

2,416

Bank owned life insurance

25,974

25,800

Other assets

18,805

16,150

Assets from discontinued operations

300

348

Total assets

1,144,194

1,117,766

Liabilities:

Noninterest-bearing deposits

96,977

93,708

Interest-bearing transaction accounts

250,478

259,422

Savings and money market deposits

391,915

373,000

Time deposits

267,945

259,008

Total deposits

1,007,315

985,138

FHLB borrowings

15,000

10,000

Subordinated debentures

5,950

5,949

Notes payable

2,276

2,389

Accrued interest payable

1,598

882

Operating lease liabilities

2,673

2,619

Deferred income tax liabilities

728

482

Accrued expenses and other liabilities

7,496

8,980

Liabilities from discontinued operations

529

620

Total liabilities

1,043,565

1,017,059

Shareholders’ equity:

Common stock and additional paid-in capital; no par value, 15,000,000 shares authorized, 4,134,914 and 4,110,470 shares issued and outstanding at March 31, 2024 and December 31, 2023, respectively

54,776

54,521

Accumulated other comprehensive loss, net

(3,188)

(2,981)

Unearned compensation

(1,192)

(958)

Retained earnings

34,503

34,395

Total shareholders’ equity

100,629

100,707

Total liabilities and shareholders’ equity

1,144,194

1,117,766

Government guaranteed loans held for sale

ASSETS

Government guaranteed loans held for sale

2,226

0

Government guaranteed loans HFI, at fair value

ASSETS

Government guaranteed loans HFI, at fair value

77,769

91,508

Preferred Stock, Series A

Shareholders’ equity:

Preferred stock

6,161

Preferred Stock, Series B

Shareholders’ equity:

Preferred stock

3,123

Preferred Stock, Series C

Shareholders’ equity:

Preferred stock

$ 6,446

[1]	Derived from audited consolidated financial statements

About BayFirst Financial Corp.

BayFirst Financial Corp. operates as the bank holding company for BayFirst National Bank that provides community banking services for businesses and individuals. The company offers checking, savings, NOW, and money market deposit accounts, as well as certificates of deposit and individual retirement account; and safety deposit boxes. It also provides commercial real estate mortgages; construction and development, working capital, and business loans; auto, boat, and recreational vehicle loans; and personal lines of credit, and home equity lines of credit. In addition, the company offers mobile and online banking, treasury management, cash management, merchant processing, remote deposit capture, night depositor, online bill payment, courier, retail investment, and other services. It operates full-service office locations in St. Petersburg, Seminole, Pinellas Park, Clearwater, Sarasota, Tampa, and Belleair Bluffs, Florida. The company was formerly known as First Home Bancorp, Inc. and changed its name to BayFirst Financial Corp. in May 2021. BayFirst Financial Corp. was founded in 1999 and is headquartered in Saint Petersburg, Florida.

CEO	Mr. Anthony Nicholas Leo J.D.
WEBSITE	bayfirstfinancial.com
INDUSTRY	Banks Diversified
EMPLOYEES	302

BayFirst Financial Corp. Frequently Asked Questions

What is the ticker symbol for BayFirst Financial Corp.? What does BAFN stand for in stocks?

BAFN is the stock ticker symbol of BayFirst Financial Corp.. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of BayFirst Financial Corp. (BAFN)?

As of Fri May 17 2024, market cap of BayFirst Financial Corp. is 51.6 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of BAFN stock?

You can check BAFN's fair value in chart for subscribers.

What is the fair value of BAFN stock?

You can check BAFN's fair value in chart for subscribers. The fair value of BayFirst Financial Corp. is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of BayFirst Financial Corp. is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for BAFN so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is BayFirst Financial Corp. a good stock to buy?

The fair value guage provides a quick view whether BAFN is over valued or under valued. Whether BayFirst Financial Corp. is cheap or expensive depends on the assumptions which impact BayFirst Financial Corp.'s fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for BAFN.

What is BayFirst Financial Corp.'s Price to Earnings (PE) and Price to sales (PS) ratio?

As of Fri May 17 2024, BAFN's PE ratio (Price to Earnings) is 8.92 and Price to Sales (PS) ratio is 0.75. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. BAFN PE ratio will change depending on the future growth rate expectations of investors.