BayFirst Financial Corp. (BAFN)

BayFirst Financial Statistics

Total Valuation

BAFN has a market cap or net worth of $33.69 million. The enterprise value is -$152.11 million.

Market Cap	33.69M
Enterprise Value	-152.11M

Important Dates

The next confirmed earnings date is Thursday, April 30, 2026, after market close.

Earnings Date	Apr 30, 2026
Ex-Dividend Date	May 30, 2025

Share Statistics

BAFN has 4.11 million shares outstanding. The number of shares has decreased by -10.00% in one year.

Current Share Class	4.11M
Shares Outstanding	4.11M
Shares Change (YoY)	-10.00%
Shares Change (QoQ)	-0.18%
Owned by Insiders (%)	14.87%
Owned by Institutions (%)	16.13%
Float	3.50M

Valuation Ratios

PE Ratio	n/a
Forward PE	n/a
PS Ratio	0.86
Forward PS	n/a
PB Ratio	0.47
P/TBV Ratio	0.47
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	0.07
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is -23.11%.

Return on Equity (ROE)	-23.11%
Return on Assets (ROA)	-1.77%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	3.69%
Revenue Per Employee	$167,068
Profits Per Employee	-$103,283
Employee Count	237
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

Income Tax	-7.89M
Effective Tax Rate	n/a

Stock Price Statistics

The stock price has decreased by -48.43% in the last 52 weeks. The beta is 0.31, so BAFN's price volatility has been lower than the market average.

Beta (5Y)	0.31
52-Week Price Change	-48.43%
50-Day Moving Average	6.69
200-Day Moving Average	8.55
Relative Strength Index (RSI)	69.98
Average Volume (20 Days)	14,629

Short Selling Information

The latest short interest is 54,438, so 1.33% of the outstanding shares have been sold short.

Short Interest	54,438
Short Previous Month	16,011
Short % of Shares Out	1.33%
Short % of Float	1.56%
Short Ratio (days to cover)	2.69

Income Statement

In the last 12 months, BAFN had revenue of $39.60 million and -$24.48 million in losses. Loss per share was -$5.93.

Revenue	39.60M
Gross Profit	39.60M
Operating Income	-21.68M
Pretax Income	-30.83M
Net Income	-24.48M
EBITDA	n/a
EBIT	n/a
Loss Per Share	-$5.93

Balance Sheet

The company has $206.98 million in cash and $20.82 million in debt, with a net cash position of $186.16 million or $45.32 per share.

Cash & Cash Equivalents	206.98M
Total Debt	20.82M
Net Cash	186.16M
Net Cash Per Share	$45.32
Equity (Book Value)	87.57M
Book Value Per Share	17.49
Working Capital	-977.71M

Cash Flow

In the last 12 months, operating cash flow was $285.30 million and capital expenditures -$300,000, giving a free cash flow of $285.00 million.

Operating Cash Flow	285.30M
Capital Expenditures	-300,000
Depreciation & Amortization	n/a
Net Borrowing	-341,000
Free Cash Flow	285.00M
FCF Per Share	$69.37

Margins

Gross Margin	n/a
Operating Margin	-54.75%
Pretax Margin	-77.86%
Profit Margin	-57.93%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	719.78%

Dividends & Yields

This stock pays an annual dividend of $0.08, which amounts to a dividend yield of 0.94%.

Dividend Per Share	$0.08
Dividend Yield	0.94%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	10.00%
Shareholder Yield	10.94%
Earnings Yield	-71.88%
FCF Yield	836.84%

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