BayFirst Financial Corp.
NASDAQ Capital MarketTotal Valuation
BayFirst Financial Corp. carries a market capitalization of 27.93M, placing it among publicly traded companies globally. Its enterprise value stands at -64.06M, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.
| Market Cap | 27.93M |
| Enterprise Value | -64.06M |
Share Statistics
BayFirst Financial Corp. currently has 5.37M shares outstanding.
| Shares Outstanding | 5.37M |
| Owned by Insiders (%) | N/A |
| Owned by Institutions (%) | N/A |
Valuation Ratios
BayFirst Financial Corp. trades at a trailing price-to-earnings ratio of 15.99. The price-to-sales ratio is 0.78, and the price-to-book ratio stands at 0.52.
| PE Ratio | 15.99 |
| PS Ratio | 0.78 |
| PB Ratio | 0.52 |
| P/TBV Ratio | 0.62 |
| P/FCF Ratio | 0.16 |
| P/OCF Ratio | 0.16 |
Enterprise Valuation
On an enterprise value basis, BayFirst Financial Corp. trades at an EV/EBITDA multiple of 17.92 and an EV/FCF ratio of 0.28.
| EV / Sales | 2.57 |
| EV / EBITDA | 17.92 |
| EV / EBIT | N/A |
| EV / FCF | 0.28 |
Financial Position
| Current Ratio | N/A |
| Quick Ratio | N/A |
| Debt / Equity | 25.14 |
| Debt / EBITDA | 2.39 |
| Interest Coverage | N/A |
Financial Efficiency
| Return on Equity (ROE) | -42.56 |
| Return on Assets (ROA) | -2.23 |
| Return on Invested Capital (ROIC) | N/A |
| Return on Capital Employed (ROCE) | N/A |
| Revenue Per Employee | N/A |
| Employee Count | N/A |
| Inventory Turnover | N/A |
Taxes
| Income Tax | -9.72M |
| Effective Tax Rate | N/A |
Stock Price Statistics
BayFirst Financial Corp.'s stock has declined approximately -23.59551% over the past 52 weeks. The 50-day moving average sits at 6.14, while the 200-day moving average is 6.66.
| Beta (5Y) | N/A |
| 52-Week Price Change | -23.59551% |
| 50-Day Moving Average | 6.14 |
| 200-Day Moving Average | 6.66 |
| Average Volume (20 Days) | N/A |
Income Statement
Over the trailing twelve months, BayFirst Financial Corp. generated 43.95M in revenue and converted that into -28.28M in net income, yielding earnings per share of -5.24.
| Revenue | 43.95M |
| Gross Profit | N/A |
| Operating Income | N/A |
| Pretax Income | -38.00M |
| Net Income | -28.28M |
| EBITDA | 8.60M |
| EBIT | N/A |
| Earnings Per Share (EPS) | -5.24 |
Balance Sheet
BayFirst Financial Corp. holds 134.47M in cash and equivalents against 20.58M in total debt, resulting in a net debt position of -126.89M.
| Cash & Cash Equivalents | 134.47M |
| Total Debt | 20.58M |
| Net Debt | -126.89M |
| Equity (Book Value) | 66.14M |
| Book Value Per Share | 12.32 |
| Working Capital | N/A |
Cash Flow
BayFirst Financial Corp. produced 207.93M in operating cash flow over the past twelve months. After subtracting -234,000.00 in capital expenditures, free cash flow totaled 207.69M - equivalent to 38.46 per share.
| Operating Cash Flow | 207.93M |
| Capital Expenditures | -234,000.00 |
| Free Cash Flow | 207.69M |
| FCF Per Share | 38.46 |
Margins
BayFirst Financial Corp. operates with a gross margin of 100.00, reflecting its pricing power and cost economics.
| Gross Margin | 100.00 |
| Operating Margin | N/A |
| Pretax Margin | -86.46 |
| Profit Margin | -64.35 |
| EBITDA Margin | 19.57 |
Dividends & Yields
The company's payout ratio of 2.76 indicates the proportion of earnings distributed to shareholders.
| Dividend Per Share | 0.13 |
| Dividend Yield | N/A |
| Payout Ratio | 2.76 |
| Shareholder Yield | 185.35 |
| FCF Yield | 607.11 |
Stock Splits
BayFirst Financial Corp.'s most recent stock split took place on May 12, 2021 with a 2:3 split ratio.
| Last Split Date | 5/12/2021 |
| Split Ratio | 2:3 |
Scores
BayFirst Financial Corp. posts an Altman Z-Score of 0.07, below the 3.0 threshold that indicates strong financial health and minimal bankruptcy risk.
| Altman Z-Score | 0.07 |