Bayfirst Financial Corp (BAFN)

BayFirst Financial Corp. is a financial holding company for BayFirst National Bank, a community bank serving small and medium-sized businesses and individual customers. Through its banking operations, the company provides deposit products including checking and savings accounts, money market accounts, negotiable order of withdrawal accounts, certificates of deposit, individual retirement accounts, and safety deposit boxes. Its lending activities include commercial real estate, construction and development, working capital, business, auto, boat, and recreational vehicle loans, along with residential mortgages, personal lines of credit, and home equity lines of credit. BayFirst also offers digital and transaction services such as internet, mobile, and online banking, treasury management, wire transfers, cash management, merchant processing, remote deposit capture, lock box services, night depositor, courier, online bill payment, ACH origination, and retail investment services. The company operates full-service banking centers in Pinellas, Hillsborough, Manatee, and Sarasota counties in Florida. Founded in 1999 and headquartered in Saint Petersburg, Florida, it was previously known as First Home Bancorp, Inc. before adopting its current name in May 2021.


Jump directly to the stock analysis sections supported by the latest available data.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Overall Financial Health Dividend Yield Next Earnings Date Price-to-Book Ratio Market Cap Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
NASDAQ-BAFN
$4.90
-47.0% Downside
Overvalued
Not available
Not available
Fair
0.0%
November 12, 2026
9.7x
249.1 M
5.6%
51.2%
-2.1
-2.6%
-237.3%
Valuation • Fair Value

Bayfirst Financial Corp (NASDAQ-BAFN) Fair Value by Valuation Model

Review the available estimates for Bayfirst Financial Corp (NASDAQ-BAFN), including Comps Fair Value.

Primary Valuation Read

Fair Value

$4.90

Estimated downside of 47.0% versus the current market price.

Fair Value Confidence

Low

Confidence level for the primary fair value estimate.

Comps Fair Value

$4.90

Comparable-company valuation reference.

Analyst Price Target

Not available

Data is currently unavailable.

How to read these valuation models

Use the 3 available valuation references for Bayfirst Financial Corp (NASDAQ-BAFN) as analytical inputs, not a standalone conclusion. Valuation methods can differ because they rely on different assumptions, time horizons and financial inputs; compare the estimates with the current price and the company’s financial quality.

Profitability • Growth

Profitability & Growth for Bayfirst Financial Corp (NASDAQ-BAFN)

Review the profitability and growth indicators currently supported by the latest data.

Revenue

-9.438 M

Current operating scale indicator.

Revenue Forecast

39.595 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

How to read profitability and growth

This section helps investors review Bayfirst Financial Corp (NASDAQ-BAFN) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for Bayfirst Financial Corp (NASDAQ-BAFN)

Review the financial quality and risk indicators currently supported by the latest data.

Financial Health

Fair

Mixed or neutral financial-health read.

Piotroski Score

4

Mid-range quality score.

Altman Z-Score

-2.1

Lower score that deserves closer risk review.

FCF / Net Income

-237.3%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for Bayfirst Financial Corp (NASDAQ-BAFN). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for Bayfirst Financial Corp (NASDAQ-BAFN)

Track the upcoming dates and dividend metrics currently supported by the latest data.

Next Earnings Date

November 12, 2026

Days to Earnings

55

Dividend Yield

0.0%

No current dividend yield is indicated.

Payout Ratio

-2.6%

Dividend payout reference.

How to read events and dividends

This section helps investors track time-sensitive items for Bayfirst Financial Corp (NASDAQ-BAFN), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Technical Outlook

Technical Signals by Time Frame

Review the technical signals currently available for this stock across supported time frames.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Strong Buy

The 15-minute technical read for Bayfirst Financial Corp (NASDAQ-BAFN) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Strong Buy

The 1-hour technical read for Bayfirst Financial Corp (NASDAQ-BAFN) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Strong Buy

The daily technical read for Bayfirst Financial Corp (NASDAQ-BAFN) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Buy

The weekly technical read for Bayfirst Financial Corp (NASDAQ-BAFN) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Neutral

The monthly technical read for Bayfirst Financial Corp (NASDAQ-BAFN) is currently Neutral. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

FAQ Fast Investor Answers

Bayfirst Financial Corp (NASDAQ-BAFN) Stock FAQ

Data-supported answers about Bayfirst Financial Corp (NASDAQ-BAFN), including explicit coverage status where a reliable valuation estimate is not currently available.

Fair Value
$4.90
Estimated downside 47.0%
Valuation Rating
Overvalued
Estimated downside of 47.0%
Financial Health
Fair
Current financial-health read

The current fair value estimate for Bayfirst Financial Corp (NASDAQ-BAFN) is $4.90. This implies an estimated downside of 47.0% versus the current market price.

Based on the current fair value estimate, the stock appears overvalued, with estimated downside of 47.0% versus the current market price.

The current financial health read for Bayfirst Financial Corp (NASDAQ-BAFN) is Fair. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for Bayfirst Financial Corp (NASDAQ-BAFN) is November 12, 2026.

The latest available data indicates no current dividend yield for Bayfirst Financial Corp (NASDAQ-BAFN).

The current market capitalization listed for Bayfirst Financial Corp is 249.1 M.

The ticker symbol for Bayfirst Financial Corp is NASDAQ-BAFN, and the stock is listed on NASDAQ.

Bayfirst Financial Corp (NASDAQ-BAFN) is listed on NASDAQ.

The current debt-to-total-capital ratio listed for Bayfirst Financial Corp is 5.6%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for Bayfirst Financial Corp is 51.2%. Free float helps investors understand how much of the share base is available for public trading.