Symbols / BAFN Stock $6.37 -23.53% BayFirst Financial Corp.

Financial Services • Banks - Regional • United States • NCM
BAFN (Stock) Chart
O: — H: — L: — C: — V: —
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Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Thomas G. Zernick
Exch · Country NCM · United States
Market Cap 26.18M
Enterprise Value -71.99M
Income -29.82M
Sales 31.50M
FCF (ttm) —
Book/sh 16.10
Cash/sh 32.73
Employees 144
Insider 10d —
IPO Jan 08, 2021
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 17.49%
P/E —
Forward P/E —
PEG —
P/S 0.83
P/B 0.40
P/C —
EV/EBITDA —
EV/Sales -2.29
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) -7.24
EPS next Y —
EPS Growth —
Revenue Growth -52.70%
EPS Gr Q/Q —
Rev Gr Q/Q —
Earnings (next) 2026-04-30
Earnings (prior) 2026-04-30
ROA -2.27%
ROE -29.47%
ROIC —
Gross Margin 0.00%
Oper. Margin -97.22%
Profit Margin -89.78%
Shs Outstand 4.11M
Shs Float 3.50M
Insider Own 15.49%
Instit Own 16.22%
Short Float 1.74%
Short Ratio 2.99
Short Interest 60.73K
52W High 17.45
vs 52W High -63.50%
52W Low 4.80
vs 52W Low 32.68%
Beta —
Impl. Vol. —
Rel Volume 20.24
Avg Volume 31.20K
Volume 631.59K
Target (mean) —
Tgt Median —
Tgt Low —
Tgt High —
# Analysts —
Recom None
Prev Close $8.33
Price $6.37
Change -23.53%
About

BayFirst Financial Corp. operates as the bank holding company for BayFirst National Bank that provides community banking services for small and medium sized businesses and individuals. The company offers checking, savings, negotiable order of withdrawal, and money market deposit accounts, as well as certificates of deposit and individual retirement accounts; and safety deposit boxes. It also provides commercial real estate mortgages; construction and development, working capital, and business loans; auto, boat, and recreational vehicle loans; and residential mortgages, personal lines of credit, and home equity lines of credit. In addition, the company offers internet, mobile and online banking, lock box services, remote capture and deposit, treasury management, wire transfers, cash management, merchant processing, remote deposit capture, night depository, online bill payment, courier, retail investment, ACH originations, and other services. It operates full-service banking centers in Pinellas, Hillsborough, Manatee, and Sarasota counties, Florida. The company was formerly known as First Home Bancorp, Inc. and changed its name to BayFirst Financial Corp. in May 2021. BayFirst Financial Corp. was founded in 1999 and is headquartered in Saint Petersburg, Florida.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
—
Mean price target
2. Current target
$6.37
Latest analyst target
3. DCF / Fair value
—
Simplified FCF or EPS-based estimate
Ratings
Current target
$6.37
Low
—
High
—
Mean
—
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2025-05-15 LEO ANTHONY N Director — 625 $15.20 $9,500
2025-05-15 SARAVANOS ANTHONY Director — 625 $15.20 $9,500
2025-05-15 BERSET MARK S Director — 450 $15.20 $6,840
2025-05-15 ZIPPERIAN BARBARA J Director — 450 $15.20 $6,840
2025-05-15 DELOACH DENNIS REPPARD III Director — 450 $15.20 $6,840
2025-05-15 POLITIS CHRISTOS Director — 450 $15.20 $6,840
2025-05-15 HARRIS ALEXANDER OCTAVIUS Director — 450 $15.20 $6,840
2025-05-15 BERSET DEREK STEVEN Director — 450 $15.20 $6,840
2025-05-15 BERSET DEREK STEVEN Director — 0 $14.86 $3
2025-05-15 SPOOR BRADLY WILLIAM Director — 450 $15.20 $6,840
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
56.18
-30.17%
80.45
+2.15%
78.76
+36.17%
57.84
Operating Revenue
56.18
-30.17%
80.45
+2.15%
78.76
+36.17%
57.84
Selling General And Administration
32.37
-18.55%
39.74
-5.85%
42.21
+21.63%
34.71
Selling And Marketing Expense
1.43
-30.10%
2.05
-38.55%
3.34
+25.41%
2.66
General And Administrative Expense
30.94
-17.93%
37.69
-3.04%
38.88
+21.31%
32.05
Salaries And Wages
30.94
-17.93%
37.69
-3.04%
38.88
+21.31%
32.05
Other Gand A
—
—
—
—
Reconciled Depreciation
9.12
+4.52%
8.72
+29.18%
6.75
+35.77%
4.97
Total Unusual Items
-7.28
-162.52%
11.65
0.00
—
Total Unusual Items Excluding Goodwill
-7.28
-162.52%
11.65
0.00
—
Special Income Charges
-7.28
-162.52%
11.65
0.00
—
Other Special Charges
—
-11.65
—
—
Restructuring And Mergern Acquisition
7.28
0.00
—
—
Net Income
-22.94
-282.00%
12.60
+121.03%
5.70
+1733.81%
-0.35
Pretax Income
-30.83
-281.49%
16.99
+111.44%
8.03
+14.15%
7.04
Net Interest Income
45.78
+20.40%
38.03
+4.38%
36.43
+21.44%
30.00
Interest Expense
40.01
-10.66%
44.78
+39.57%
32.09
+274.57%
8.57
Interest Income
85.79
+3.60%
82.81
+20.86%
68.52
+77.66%
38.57
Tax Provision
-7.89
-282.92%
4.32
+103.63%
2.12
+35.83%
1.56
Tax Rate For Calcs
0.00
+0.79%
0.00
-3.93%
0.00
+19.29%
0.00
Tax Effect Of Unusual Items
-1.86
-163.01%
2.96
0.00
0.00
Net Income Including Noncontrolling Interests
-22.94
-282.00%
12.60
+121.03%
5.70
+1733.81%
-0.35
Net Income From Continuing Operation Net Minority Interest
-22.94
-281.01%
12.67
+114.23%
5.92
+7.98%
5.48
Net Income From Continuing And Discontinued Operation
-22.94
-282.00%
12.60
+121.03%
5.70
+1733.81%
-0.35
Net Income Continuous Operations
-22.94
-281.01%
12.67
+114.23%
5.92
+7.98%
5.48
Net Income Discontinuous Operations
0.00
+100.00%
-0.07
+67.61%
-0.21
+96.34%
-5.83
Normalized Income
-17.52
-539.96%
3.98
-32.68%
5.92
+7.98%
5.48
Net Income Common Stockholders
-24.48
-321.28%
11.06
+133.52%
4.74
+501.10%
-1.18
Diluted EPS
-5.93
-326.34%
2.62
+133.93%
1.12
+486.21%
-0.29
Basic EPS
-5.93
-321.27%
2.68
+131.03%
1.16
+500.00%
-0.29
Basic Average Shares
4.13
-0.08%
4.13
+1.21%
4.08
+0.28%
4.07
Diluted Average Shares
4.13
-10.00%
4.59
+8.49%
4.23
+3.86%
4.07
Diluted NI Availto Com Stockholders
-24.48
-303.51%
12.03
+134.65%
5.13
+654.76%
-0.92
Average Dilution Earnings
0.00
-100.00%
0.97
+148.33%
0.39
+51.36%
0.26
Occupancy And Equipment
6.07
+25.17%
4.85
+1.89%
4.76
+19.10%
4.00
Other Non Interest Expense
13.25
+11.16%
11.92
+23.43%
9.65
+10.76%
8.72
Preferred Stock Dividends
1.54
+0.00%
1.54
+59.69%
0.96
+15.99%
0.83
Professional Expense And Contract Services Expense
3.46
-10.97%
3.88
+6.15%
3.66
-10.43%
4.08
Line Item Trend 2023-12-31
Total Assets
1,117.77
Cash And Cash Equivalents
63.03
Cash Financial
4.10
Other Short Term Investments
39.58
Receivables
7.13
Accounts Receivable
7.13
Net PPE
41.29
Gross PPE
48.68
Accumulated Depreciation
-7.39
Land And Improvements
6.49
Buildings And Improvements
22.56
Machinery Furniture Equipment
7.21
Construction In Progress
6.88
Other Properties
2.42
Leases
3.13
Goodwill And Other Intangible Assets
14.96
Other Intangible Assets
14.96
Investments And Advances
42.06
Total Liabilities Net Minority Interest
1,017.06
Payables And Accrued Expenses
0.88
Payables
0.88
Accounts Payable
0.88
Current Accrued Expenses
—
Long Term Debt And Capital Lease Obligation
20.96
Long Term Debt
18.34
Long Term Capital Lease Obligation
2.62
Non Current Deferred Liabilities
0.48
Non Current Deferred Taxes Liabilities
0.48
Stockholders Equity
100.71
Common Stock Equity
84.98
Capital Stock
70.25
Common Stock
54.52
Preferred Stock
15.73
Share Issued
4.11
Ordinary Shares Number
4.11
Treasury Shares Number
0.00
Retained Earnings
34.40
Gains Losses Not Affecting Retained Earnings
-2.98
Other Equity Adjustments
-2.98
Total Equity Gross Minority Interest
100.71
Total Capitalization
119.05
Invested Capital
103.31
Total Debt
20.96
Capital Lease Obligations
2.62
Net Tangible Assets
85.75
Tangible Book Value
70.02
Available For Sale Securities
—
Cash Cash Equivalents And Federal Funds Sold
67.80
Held To Maturity Securities
2.48
Other Equity Interest
-0.96
Preferred Stock Equity
15.73
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
285.30
-26.95%
390.53
-14.13%
454.80
+3.30%
440.25
Cash Flow From Continuing Operating Activities
285.30
-27.01%
390.88
-14.13%
455.19
+35.99%
334.71
Cash From Discontinued Operating Activities
0.00
+100.00%
-0.34
+12.11%
-0.39
-100.37%
105.54
Net Income From Continuing Operations
-22.94
-281.01%
12.67
+114.23%
5.92
+7.98%
5.48
Depreciation Amortization Depletion
9.12
+4.52%
8.72
+29.18%
6.75
+35.77%
4.97
Depreciation
2.19
-11.20%
2.46
+9.76%
2.25
+30.90%
1.72
Amortization Cash Flow
6.93
+10.71%
6.26
+38.85%
4.51
+38.34%
3.26
Depreciation And Amortization
9.12
+4.52%
8.72
+29.18%
6.75
+35.77%
4.97
Amortization Of Intangibles
6.93
+10.71%
6.26
+38.85%
4.51
+38.34%
3.26
Other Non Cash Items
298.69
-25.83%
402.68
-15.89%
478.76
+36.21%
351.48
Stock Based Compensation
0.12
-72.32%
0.42
-33.60%
0.63
-25.76%
0.85
Asset Impairment Charge
1.42
0.00
—
—
Deferred Tax
-7.22
-3720.63%
-0.19
-108.92%
2.12
+399.76%
0.42
Deferred Income Tax
-7.22
-3720.63%
-0.19
-108.92%
2.12
+399.76%
0.42
Operating Gains Losses
-10.53
+78.84%
-49.74
-23.52%
-40.27
-52.10%
-26.48
Gain Loss On Sale Of PPE
0.00
+100.00%
-11.65
0.00
—
Change In Working Capital
-5.36
-237.93%
3.88
+156.64%
-6.86
-770.09%
1.02
Change In Receivables
0.73
+136.25%
-2.02
+24.38%
-2.68
-191.09%
-0.92
Changes In Account Receivables
0.73
+136.25%
-2.02
+24.38%
-2.68
-191.09%
-0.92
Change In Payables And Accrued Expense
0.10
-37.01%
0.15
-13.48%
0.18
-52.91%
0.38
Change In Payable
0.10
-37.01%
0.15
-13.48%
0.18
-52.91%
0.38
Change In Account Payable
0.10
-37.01%
0.15
-13.48%
0.18
-52.91%
0.38
Change In Other Current Assets
-1.17
+85.12%
-7.89
-6844.44%
0.12
+106.57%
-1.78
Change In Other Current Liabilities
-5.01
-136.74%
13.64
+405.12%
-4.47
-233.61%
3.35
Investing Cash Flow
-194.94
+62.22%
-515.93
+19.55%
-641.28
-25.59%
-510.61
Cash Flow From Continuing Investing Activities
-194.94
+62.22%
-515.93
+19.55%
-641.28
-25.59%
-510.61
Net PPE Purchase And Sale
-0.30
-102.30%
13.06
+272.20%
-7.58
+5.98%
-8.06
Purchase Of PPE
-0.30
+82.25%
-1.69
+77.71%
-7.58
+5.98%
-8.06
Sale Of PPE
0.00
-100.00%
14.75
0.00
—
Capital Expenditure
-0.30
+82.25%
-1.69
+77.71%
-7.58
+5.98%
-8.06
Net Investment Purchase And Sale
8.13
+135.73%
3.45
-36.68%
5.45
+125.91%
-21.03
Purchase Of Investment
-5.85
-31.18%
-4.46
-508.19%
-0.73
+96.93%
-23.89
Sale Of Investment
13.98
+76.80%
7.91
+27.92%
6.18
+116.04%
2.86
Net Other Investing Changes
0.21
-45.13%
0.39
-83.15%
2.31
+291.24%
-1.21
Financing Cash Flow
38.84
-73.18%
144.80
-19.02%
178.82
+570.41%
26.67
Cash Flow From Continuing Financing Activities
38.84
-73.18%
144.80
-19.02%
178.82
+570.41%
26.67
Net Issuance Payments Of Debt
-0.34
+96.74%
-10.46
+32.57%
-15.51
+65.63%
-45.11
Issuance Of Debt
—
—
—
25.00
Repayment Of Debt
-0.34
+96.74%
-10.46
+32.57%
-15.51
+77.88%
-70.11
Long Term Debt Issuance
—
—
—
0.00
Long Term Debt Payments
-0.34
+25.05%
-0.46
+9.90%
-0.51
+99.28%
-70.11
Net Long Term Debt Issuance
-0.34
+25.05%
-0.46
+9.90%
-0.51
+99.28%
-70.11
Short Term Debt Issuance
—
—
—
25.00
Short Term Debt Payments
0.00
+100.00%
-10.00
+33.33%
-15.00
—
Net Short Term Debt Issuance
0.00
+100.00%
-10.00
+33.33%
-15.00
-160.00%
25.00
Net Common Stock Issuance
-0.28
-1139.13%
-0.02
-108.33%
0.28
-40.00%
0.46
Common Stock Payments
-0.34
-1356.52%
-0.02
-76.92%
-0.01
+73.47%
-0.05
Common Stock Dividend Paid
-0.66
+49.89%
-1.32
-0.76%
-1.31
-2.02%
-1.29
Cash Dividends Paid
-1.43
+49.93%
-2.86
-25.72%
-2.28
-7.50%
-2.12
Repurchase Of Capital Stock
-0.34
-1356.52%
-0.02
-76.92%
-0.01
+73.47%
-0.05
Proceeds From Stock Option Exercised
0.19
+264.15%
0.05
+128.04%
-0.19
-437.50%
0.06
Net Other Financing Charges
—
—
—
—
Changes In Cash
129.19
+565.85%
19.40
+353.27%
-7.66
+82.46%
-43.68
Beginning Cash Position
77.79
+33.23%
58.38
-11.60%
66.05
-39.81%
109.73
End Cash Position
206.98
+166.08%
77.79
+33.23%
58.38
-11.60%
66.05
Free Cash Flow
285.00
-26.71%
388.84
-13.05%
447.21
+3.48%
432.19
Interest Paid Supplemental Data
39.91
-10.57%
44.63
+39.87%
31.91
+289.69%
8.19
Income Tax Paid Supplemental Data
5.30
+66100.00%
0.01
-91.75%
0.10
-60.89%
0.25
Common Stock Issuance
0.05
—
0.29
-43.22%
0.51
Issuance Of Capital Stock
0.05
0.00
-100.00%
6.74
+1223.18%
0.51
Net Preferred Stock Issuance
—
0.00
-100.00%
6.45
0.00
Preferred Stock Dividend Paid
-0.77
+49.97%
-1.54
-59.69%
-0.96
-15.99%
-0.83
Preferred Stock Issuance
—
0.00
-100.00%
6.45
0.00
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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