BayFirst Financial Corp. (BAFN)

BayFirst Financial Statistics

Total Valuation

BAFN has a market cap or net worth of $32.47 million. The enterprise value is -$16.26 million.

Market Cap	32.47M
Enterprise Value	-16.26M

Important Dates

The last earnings date was Thursday, October 30, 2025, after market close.

Earnings Date	Oct 30, 2025
Ex-Dividend Date	May 30, 2025

Share Statistics

BAFN has 4.11 million shares outstanding. The number of shares has decreased by -6.36% in one year.

Current Share Class	4.11M
Shares Outstanding	4.11M
Shares Change (YoY)	-6.36%
Shares Change (QoQ)	+0.08%
Owned by Insiders (%)	14.85%
Owned by Institutions (%)	16.81%
Float	3.50M

Valuation Ratios

PE Ratio	n/a
Forward PE	n/a
PS Ratio	0.55
Forward PS	n/a
PB Ratio	0.44
P/TBV Ratio	0.44
P/FCF Ratio	0.12
P/OCF Ratio	0.12
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	0.25
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is -11.14%.

Return on Equity (ROE)	-11.14%
Return on Assets (ROA)	-0.83%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$197,094
Profits Per Employee	-$40,933
Employee Count	299
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

Income Tax	-4.26M
Effective Tax Rate	n/a

Stock Price Statistics

The stock price has decreased by -39.18% in the last 52 weeks. The beta is 0.30, so BAFN's price volatility has been lower than the market average.

Beta (5Y)	0.30
52-Week Price Change	-39.18%
50-Day Moving Average	9.01
200-Day Moving Average	13.13
Relative Strength Index (RSI)	31.67
Average Volume (20 Days)	5,987

Short Selling Information

The latest short interest is 9,115, so 0.22% of the outstanding shares have been sold short.

Short Interest	9,115
Short Previous Month	8,070
Short % of Shares Out	0.22%
Short % of Float	0.26%
Short Ratio (days to cover)	0.95

Income Statement

In the last 12 months, BAFN had revenue of $58.93 million and -$12.24 million in losses. Loss per share was -$2.96.

Revenue	58.93M
Gross Profit	58.93M
Operating Income	-6.14M
Pretax Income	-14.96M
Net Income	-12.24M
EBITDA	n/a
EBIT	n/a
Loss Per Share	-$2.96

Balance Sheet

The company has $119.83 million in cash and $71.11 million in debt, giving a net cash position of $48.73 million or $11.86 per share.

Cash & Cash Equivalents	119.83M
Total Debt	71.11M
Net Cash	48.73M
Net Cash Per Share	$11.86
Equity (Book Value)	89.73M
Book Value Per Share	17.97
Working Capital	-1.01B

Cash Flow

In the last 12 months, operating cash flow was $282.23 million and capital expenditures -$257,000, giving a free cash flow of $281.97 million.

Operating Cash Flow	282.23M
Capital Expenditures	-257,000
Free Cash Flow	281.97M
FCF Per Share	$68.61

Margins

Gross Margin	n/a
Operating Margin	-10.43%
Pretax Margin	-25.39%
Profit Margin	-18.15%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	478.47%

Dividends & Yields

This stock pays an annual dividend of $0.16, which amounts to a dividend yield of 2.03%.

Dividend Per Share	$0.16
Dividend Yield	2.03%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	6.36%
Shareholder Yield	9.38%
Earnings Yield	-37.69%
FCF Yield	868.42%

Analyst Forecast

Price Target	n/a
Price Target Difference	n/a
Analyst Consensus	n/a
Analyst Count	n/a
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value	n/a
Lynch Upside	n/a
Graham Number	n/a
Graham Upside	n/a

Stock Splits

The last stock split was on May 12, 2021. It was a forward split with a ratio of 1.5:1.

Last Split Date	May 12, 2021
Split Type	Forward
Split Ratio	1.5:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	2