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BayFirst Financial Corp.

BAFN

$6.29 ▲ +0.19 (+3.11%) at close

7 Visible periods

34 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Poor

Bearish

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Analytical Summary

BayFirst Financial Corp. faces fundamental challenges with weakness in Return on Common Equity (%) and Profit Margin (%). The fundamentals warrant careful consideration of downside risks.

Market Cap $26.0M

Dividend Yield 2.54%

Revenue Growth -34.8% ↘

Op. Margin -48.0% ↘

ROIC None

FCF / Share None

Trailing P/E —

Price / Book 0.3x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 6, 2026.

7-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$64.18M

↓ -34.8% —

Net Income Profit after all expenses

$-22.94M

↓ -282.0% —

Operating Margin Operating profit as % of sales

-48.0%

↓ -378.5% 5th

trending_up

Bullish Indicators

No bullish signals detected.

warning

Bearish Risks

Operating Margin (%)Operating Margin (%) is in the bottom quartile
Profit Margin (%)Profit Margin (%) is in the bottom quartile
Return on Common Equity (%)Return on Common Equity (%) is in the bottom quartile

Health Breakdown

Profitability

Returns

Dividend History

Dividend / share · sourced from SEC filings

$0.16 Latest / share

-33.3% YoY

-9.8% 6-yr CAGR

FY 2019

$0.27

FY 2020

$0.28

FY 2021

$0.32

FY 2022

$0.32

FY 2023

$0.24

FY 2024

$0.16

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Revenue Growth YoY (%)	-34.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-681%)	14.3% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+138%)	40.0% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+567%)	5.2% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-13%)	-55.4% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-1023%)	—	—
EPS Growth YoY (%)	N/M	131.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	80.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	N/M	121.0% Excellent Excellent Year-over-year change in net income	N/M	N/M	93.8% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	1.4% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	19.0% Excellent Excellent Compound annual revenue growth over 3 years	-13.1% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	-13.3% Weak Weak Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	—	-24.4% Weak Weak Compound annual EPS growth over 3 years	-30.5% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Operating Margin (%) (%)	-48.0% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-292%)	17.2% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-31%)	9.3% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-63%)	11.4% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-54%)	20.0% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-20%)	12.0% Fair Fair Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-52%)	—
Effective Tax Rate (%) (%)	25.6% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.4% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.4% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.2% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.0% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.5% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	-35.7% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-262%)	12.8% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-42%)	6.6% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-70%)	-0.6% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-103%)	42.1% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+91%)	9.7% Caution Caution Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-56%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	-1.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-0.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	2.7% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.8% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	-26.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-318%)	11.4% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-5%)	5.7% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-53%)	-0.4% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-103%)	25.6% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+113%)	17.9% Good Good Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+49%)	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Revenue per Share (USD)	$15.54	$23.83	$21.02	$15.31	$15.38	$38.23	—
Basic EPS, GAAP (USD)	$-5.93	$2.68	$1.16	$-0.29	$6.21	$3.45	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.16	$0.24	$0.32	$0.32	$0.28	$0.27	—
Book Value per Share (USD)	$21.32	$26.84	$24.50	$22.73	$24.19	$20.39	—
Tangible Book Value per Share (USD)	$21.32	$26.84	$24.50	$22.73	$24.19	$20.39	—
Basic Weighted Avg Shares (shares)	4.13M	4.13M	4.10M	4.02M	3.80M	3.43M	—
Dividend Payout Ratio (%)	-2.7% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	9.0% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	27.6% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	-110.3% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	4.5% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	7.8% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$87.57M	$110.92M	$100.71M	$91.88M	$96.29M	$71.07M	$51.33M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Sales/Revenue/Turnover (USD)	$64.18M	$98.50M	$86.19M	$61.55M	$58.50M	$131.15M	—
Depreciation Expense (USD)	$2.19M	$2.46M	$2.25M	$1.72M	$1.34M	$1.41M	—
Net Income, GAAP (USD)	$-22.94M	$12.60M	$5.70M	$-349.00K	$24.62M	$12.70M	—
Operating Cash Flow (USD)	$285.30M	$390.53M	$454.80M	$440.25M	$495.39M	$-107.82M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Net Interest Margin (approx.) (%)	3.5%	3.0%	3.3%	3.2%	4.0%	2.2%	—
Efficiency Ratio (%) (%)	109.7%	67.8%	78.6%	89.7%	85.9%	75.1%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 7 years · 25 quarters

BayFirst Financial Corp.

Analytical Summary

7-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

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