BayFirst Financial Corp. (BAFN)
NASDAQ: BAFN · Real-Time Price · USD
9.16
+0.42 (4.87%)
At close: Sep 16, 2026, 4:00 PM EDT
9.23
+0.08 (0.82%)
After-hours: Sep 16, 2026, 4:10 PM EDT

BayFirst Financial Statistics

Total Valuation

BAFN has a market cap or net worth of $248.87 million. The enterprise value is $129.61 million.

Market Cap248.87M
Enterprise Value 129.61M

Important Dates

The next estimated earnings date is Thursday, October 29, 2026, after market close.

Earnings Date Oct 29, 2026
Ex-Dividend Date n/a

Share Statistics

BAFN has 26.96 million shares outstanding. The number of shares has decreased by -10.35% in one year.

Current Share Class 26.96M
Shares Outstanding 26.96M
Shares Change (YoY) -10.35%
Shares Change (QoQ) -0.01%
Owned by Insiders (%) 48.80%
Owned by Institutions (%) 3.26%
Float 13.80M

Valuation Ratios

PE Ratio n/a
Forward PE n/a
PS Ratio -26.37
Forward PS n/a
PB Ratio 1.48
P/TBV Ratio 9.70
P/FCF Ratio 1.74
P/OCF Ratio 1.74
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

EV / Earnings n/a
EV / Sales n/a
EV / EBITDA n/a
EV / EBIT n/a
EV / FCF 0.91

Financial Position

Current Ratio n/a
Quick Ratio n/a
Debt / Equity n/a
Debt / EBITDA n/a
Debt / FCF 0.14
Interest Coverage n/a

Financial Efficiency

Return on equity (ROE) is -52.42%.

Return on Equity (ROE) -52.42%
Return on Assets (ROA) -4.74%
Return on Invested Capital (ROIC) n/a
Return on Capital Employed (ROCE) n/a
Weighted Average Cost of Capital (WACC) 5.84%
Revenue Per Employee n/a
Profits Per Employee -$407,304
Employee Count148
Asset Turnover n/a
Inventory Turnover n/a

Taxes

Income Tax -20.34M
Effective Tax Rate n/a

Stock Price Statistics

The stock price has increased by +6.83% in the last 52 weeks. The beta is 0.37, so BAFN's price volatility has been lower than the market average.

Beta (5Y) 0.37
52-Week Price Change +6.83%
50-Day Moving Average 6.64
200-Day Moving Average 6.67
Relative Strength Index (RSI) 74.33
Average Volume (20 Days) 81,101

Short Selling Information

The latest short interest is 361,513, so 1.34% of the outstanding shares have been sold short.

Short Interest 361,513
Short Previous Month 312,772
Short % of Shares Out 1.34%
Short % of Float 2.62%
Short Ratio (days to cover) 12.47

Income Statement

In the last 12 months, BAFN had revenue of -$9.44 million and -$60.28 million in losses. Loss per share was -$14.65.

Revenue-9.44M
Gross Profit -9.44M
Operating Income -69.43M
Pretax Income -79.08M
Net Income -60.28M
EBITDA n/a
EBIT n/a
Loss Per Share -$14.65
Full Income Statement

Balance Sheet

The company has $139.17 million in cash and $19.91 million in debt, with a net cash position of $119.25 million or $4.42 per share.

Cash & Cash Equivalents 139.17M
Total Debt 19.91M
Net Cash 119.25M
Net Cash Per Share $4.42
Equity (Book Value) 115.90M
Book Value Per Share 6.25
Working Capital -854.55M
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $143.19 million and capital expenditures -$141,000, giving a free cash flow of $143.05 million.

Operating Cash Flow 143.19M
Capital Expenditures -141,000
Depreciation & Amortization n/a
Net Borrowing -40.46M
Free Cash Flow 143.05M
FCF Per Share $5.31
Full Cash Flow Statement

Margins

Gross Margin n/a
Operating Margin 735.69%
Pretax Margin 837.93%
Profit Margin n/a
EBITDA Margin n/a
EBIT Margin n/a
FCF Margin n/a

Dividends & Yields

BAFN does not appear to pay any dividends at this time.

Dividend Per Share n/a
Dividend Yield n/a
Dividend Growth (YoY) n/a
Years of Dividend Growth n/a
Payout Ratio n/a
Buyback Yield 10.35%
Shareholder Yield 10.35%
Earnings Yield -24.22%
FCF Yield 57.48%
Dividend Details

Analyst Forecast

Price Target n/a
Price Target Difference n/a
Analyst Consensus n/a
Analyst Count n/a
Revenue Growth Forecast (3Y) n/a
EPS Growth Forecast (3Y) 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