BayFirst Financial Corp. (BAFN)

BayFirst Financial Statistics

Total Valuation

BAFN has a market cap or net worth of $42.82 million. The enterprise value is $25.30 million.

Market Cap	42.82M
Enterprise Value	25.30M

Important Dates

The next confirmed earnings date is Thursday, October 30, 2025, after market close.

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

Share Statistics

BAFN has 4.13 million shares outstanding. The number of shares has decreased by -0.25% in one year.

Current Share Class	4.13M
Shares Outstanding	4.13M
Shares Change (YoY)	-0.25%
Shares Change (QoQ)	-0.23%
Owned by Insiders (%)	14.76%
Owned by Institutions (%)	14.69%
Float	3.52M

Valuation Ratios

The trailing PE ratio is 5.35.

PE Ratio	5.35
Forward PE	n/a
PS Ratio	0.53
Forward PS	n/a
PB Ratio	0.45
P/TBV Ratio	0.46
P/FCF Ratio	0.13
P/OCF Ratio	0.13
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	3.24
EV / Sales	0.32
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	0.08

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	0.19
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 8.93%.

Return on Equity (ROE)	8.93%
Return on Assets (ROA)	0.73%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$261,575
Profits Per Employee	$26,087
Employee Count	299
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, BAFN has paid $3.13 million in taxes.

Income Tax	3.13M
Effective Tax Rate	25.10%

Stock Price Statistics

The stock price has decreased by -23.27% in the last 52 weeks. The beta is 0.36, so BAFN's price volatility has been lower than the market average.

Beta (5Y)	0.36
52-Week Price Change	-23.27%
50-Day Moving Average	9.63
200-Day Moving Average	14.08
Relative Strength Index (RSI)	56.98
Average Volume (20 Days)	9,535

Short Selling Information

The latest short interest is 7,952, so 0.19% of the outstanding shares have been sold short.

Short Interest	7,952
Short Previous Month	3,877
Short % of Shares Out	0.19%
Short % of Float	0.23%
Short Ratio (days to cover)	0.38

Income Statement

In the last 12 months, BAFN had revenue of $78.21 million and earned $7.80 million in profits. Earnings per share was $1.89.

Revenue	78.21M
Gross Profit	78.21M
Operating Income	13.85M
Pretax Income	12.47M
Net Income	7.80M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.89

Balance Sheet

The company has $78.58 million in cash and $61.49 million in debt, giving a net cash position of $17.09 million or $4.14 per share.

Cash & Cash Equivalents	78.58M
Total Debt	61.49M
Net Cash	17.09M
Net Cash Per Share	$4.14
Equity (Book Value)	108.22M
Book Value Per Share	22.37
Working Capital	-1.13B

Cash Flow

In the last 12 months, operating cash flow was $325.70 million and capital expenditures -$562,000, giving a free cash flow of $325.14 million.

Operating Cash Flow	325.70M
Capital Expenditures	-562,000
Free Cash Flow	325.14M
FCF Per Share	$78.66

Margins

Gross Margin	n/a
Operating Margin	17.71%
Pretax Margin	15.95%
Profit Margin	11.94%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	415.72%

Dividends & Yields

This stock pays an annual dividend of $0.32, which amounts to a dividend yield of 3.09%.

Dividend Per Share	$0.32
Dividend Yield	3.09%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	12.72%
Buyback Yield	0.25%
Shareholder Yield	3.42%
Earnings Yield	18.40%
FCF Yield	767.01%

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
Lynch Upside
Graham Number
Graham Upside

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	4