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    Banks - Regional
BayFirst Financial Corp.

BayFirst Financial Corp.

BAFN
BayFirst Financial Corp.US flagNASDAQ Capital Market
6.80
USD
-0.40
- -
27.93MMarket Cap
BayFirst Financial Corp.
BAFN
(NASDAQ Capital Market)

Recent

price

6.80

P/E

ratio

- -

div

yld

- -

ROIC.AI

1995
1996
1997
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
0.16
0.09
0.09
0.32
0.34
2.12
4.33
11.47
11.79
16.09
27.61
11.28
10.87
14.76
14.42
10.2
8.14
Revenue per Share
0.44
0.4
0.45
-0.01
0.06
0.6
0.92
1.16
-0.32
0.97
2.64
4.75
-0.22
0.89
1.6
-4.84
-5.52
Basic EPS, GAAP
0.53
0.28
0.54
0.02
-0.36
- -
- -
- -
0.69
-11.06
-24.73
97.05
81.2
83.8
72.52
53.46
38.46
Free Cash Flow per Basic Share
0.09
0.09
0.1
- -
- -
- -
- -
- -
0.19
0.32
0.4
0.41
0.4
0.43
0.53
0.27
0.13
Dividend per Share
2.84
3.07
3.52
0.88
1.49
- -
- -
- -
- -
- -
12.38
16.72
15.63
15.82
16.82
12.26
12.32
Book Value per Share
2.84
3.07
3.52
0.88
1.49
- -
- -
- -
- -
- -
10.59
15.49
13.57
13.03
13.75
9.92
10.21
Tangible Book Value per Share
11
11
11
10
10
4
5
3
4
4
4
5
5
5
5
5
5
Basic Weighted Avg Shares
2
1
1
3
4
8
20
33
44
67
124
56
58
79
78
55
44
Sales/Revenue/Turnover
-311.76
-940
- -
-3.94
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
4
5
5
4
5
7
9
9
9
Depreciation Expense
5
4
5
- -
1
2
4
3
-1
4
13
25
- -
6
10
-25
-28
Net Income, GAAP
36.49
18.87
33.8
- -
- -
27.69
37.68
40.52
- -
28.79
19.49
22.96
22.17
26.38
25.54
- -
- -
Effective Tax Rate (%)
276.47
430
522.22
-3.94
17.58
28.31
21.32
10.1
-2.76
6.73
10.26
43.92
-0.6
7.24
13.08
-44.62
-64.35
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
44
36
89
4
6
- -
- -
- -
14
24
14
13
37
21
22
21
21
LT Debt
30
33
37
4
7
9
16
30
38
51
71
96
92
101
107
82
82
Total Equity
-2.06
-3.95
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
17.67
13.72
13.43
-0.63
11.48
28.33
32.88
14.42
-3.73
10.26
23.67
32.93
-1.39
5.65
9.84
-33.32
-42.56
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
58
8
8
LT Finance Leases
14
13
13
Preferred Equity and Hybrid Capital
16
16
16
Shares Outstanding
5
5
5
Market Capitalization
56
42
34

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
124
207
134
Accounts Receivable, Net
9
8
8
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
1
1
1
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
28.18%
4.58%
-23.44%
Free Cash Flow
- -
-116.13%
-26.34%
Net Income, GAAP
-236.44%
-400.76%
-341.07%
Sales/Revenue/Turnover
33.72%
-9.16%
-29.35%
Total Cash Common Dividend
- -
-13.6%
-108.09%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
21
19
20
21
78
2025
19
21
7
10
55
2026
6
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.08
0.09
0.14
1.74
1.6
2025
-0.13
-0.3
-3.57
-0.53
-4.84
2026
-1.13
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.14
0.14
0.13
0.13
0.53
2025
0.13
0.13
- -
- -
0.27
2026
- -
- -
- -
- -
- -
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Business
BayFirst Financial Corp. (NASDAQ: BAFN) operates as the bank holding company for BayFirst National Bank, a national banking association providing community banking services to individuals, families, and small to medium-sized businesses primarily in the Tampa Bay region of Florida with nationwide lending capabilities; the bank offers deposit products including checking accounts, savings accounts, money market deposit accounts, certificates of deposit, and individual retirement accounts; loan products encompassing commercial real estate mortgages, construction and development loans, commercial and industrial loans, small business administration (SBA) loans, United States Department of Agriculture (USDA) loans, residential mortgages, veterans mortgage loans, auto loans, boat loans, recreational vehicle loans, personal lines of credit, and home equity lines of credit; and additional services such as treasury management, merchant services, credit cards, safety deposit boxes, and specialized programs like Cash Kids Club for children, TrendSetters Club for seniors, and Teen Checking accounts. Headquartered in St. Petersburg, Florida, the company maintains 12 banking centers across St. Petersburg, Seminole, Pinellas Park, Clearwater, Sarasota, Tampa, Belleair Bluffs, and Bradenton; BayFirst National Bank commenced operations in 1999, with the holding company established in 2000 and rebranded from First Home Bancorp, Inc. in May 2021. In September 2025, BayFirst announced its exit from the SBA 7(a) lending business through a definitive agreement to sell $103 million in SBA 7(a) loans to Banesco USA at 97% of retained balances, with Banesco assuming servicing and purchasing related servicing rights for book value; the transaction includes offers of employment to most SBA lending staff by Banesco and is expected to close in the fourth quarter of 2025 as part of a broader restructuring plan to derisk the balance sheet, enhance long-term growth, and focus on community banking with stable deposits, commercial and industrial lending, commercial real estate, and fee income sources like treasury management; earlier in 2025, all 12 banking centers achieved 100% carbon neutrality and LEED certification, and the bank was named Florida's best bank in 2024 by Forbes.

Company News

Company News APIChatGPT

  • globenewswire.com

    BayFirst Financial Corp. Launches Rights Offering

  • defenseworld.net

    BlackRock Inc. Makes New $127.54 Million Investment in BayFirst Financial Corp. $BAFN

  • zacks.com

    BayFirst Q2 Loss Widens Y/Y on Asset Resolution Costs

  • seekingalpha.com

    BayFirst Financial Corp. (BAFN) Q2 2026 Earnings Call Transcript

  • globenewswire.com

    BayFirst Financial Corp. Reports Second Quarter 2026 Results

  • globenewswire.com

    BayFirst Reschedules Date for Second Quarter 2026 Conference Call and Webcast

  • zacks.com

    BAFN vs. CLST: Which Community Bank Stock is the Better Buy?

  • zacks.com

    BayFirst Rallies 16% in a Month: Should You Buy the Stock?

  • globenewswire.com

    BayFirst Announces Impact of Asset Resolution Plan and Restatement of Prior Period Financial Statements

  • seekingalpha.com

    BayFirst Financial Corp. (BAFN) Shareholder/Analyst Call Prepared Remarks Transcript

  • globenewswire.com

    BayFirst Announces Second Quarter 2026 Conference Call and Webcast

  • zacks.com

    BAFN Incurs Q1 Loss on SBA Loan Credit Stress, Stock Down 10%

  • seekingalpha.com

    BayFirst Financial Corp. (BAFN) Q1 2026 Earnings Call Transcript

  • globenewswire.com

    BayFirst Financial Corp. Announces Substantial Capital Raise, Names Alfred Rogers as Bank Chief Executive Officer, and Reports First Quarter 2026 Results

  • defenseworld.net

    Reviewing BayFirst Financial (NASDAQ:BAFN) and Popular (NASDAQ:BPOP)

  • defenseworld.net

    Short Interest in BayFirst Financial Corp. (NASDAQ:BAFN) Rises By 25.9%

  • defenseworld.net

    Short Interest in BayFirst Financial Corp. (NASDAQ:BAFN) Decreases By 51.6%

  • defenseworld.net

    BayFirst Financial (NASDAQ:BAFN) Stock Price Down 2.2% – Should You Sell?

  • zacks.com

    BayFirst Incurs Q4 Loss Amid SBA Exit and Credit Headwinds

  • defenseworld.net

    Financial Contrast: BayFirst Financial (NASDAQ:BAFN) versus Seacoast Banking Corporation of Florida (NASDAQ:SBCF)