_id

690db4bbccc777a4e85d0d6f

Ticker

BAFN

Name

Bayfirst Financial Corp

Exchange

NASDAQ

Address

700 Central Avenue, Saint Petersburg, FL, United States, 33701

Country

USA

Sector

Financial Services

Industry

Banks - Regional

Currency

USD

Website

https://www.bayfirstfinancial.com

Description

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 depositor, 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.

Last Close

8.1

Volume

1304

Current Price

7.96

Change

-1.7283950617283912

Last Updated

2025-11-28T12:40:55.227Z

Image

-

Ipo Date

2019-11-20T00:00:00.000Z

Market Cap

32523620

Next Dividend Date

-

Dividend Frequency

-

Dividend Rate

-

Dividend Yield

0

Sentiment

0.994

Sentiment Sources

1

Current Quarter

2025-09-30

Revenue

26332000

Cost Of Revenue

-

Gross Profit

-

Operating Expenses

-

Operating Income

-18902000

Interest Expense

10374000

Pretax Income

-19287000

Net Income

-18902000

Eps

-4.564520763957142

Dividends Per Share

771000

Shares Outstanding

4110003

Income Tax Expense

-6994000

EBITDA

-25896000

Operating Margin

-71.78338143703479

Total Other Income Expense Net

-385000

Cash

5193000

Short Term Investments

29857000

Receivables

8898000

Inventories

-

Total Current Assets

43948000

Property Plant Equipment

46528000

Total Assets

1345978000

Payables

1082000

Short Term Debt

50000000

Long Term Debt

57554000

Total Liabilities

1256250000

Equity

89728000

Depreciation

-4783000

Change In Working Capital

6218000

Cash From Operations

-137457000

Capital Expenditures

266000

Cash From Investing

-24005000

Cash From Financing

17949000

Net Change In Cash

41251000

PE

-

PB

0.373826085502853

ROE

-21.065888017118404

ROA

-1.4043320173138045

FCF

-137723000

Fcf Percent

-5.230252164666566

Piotroski FScore

0

Health Score

15

Deep Value Investing Score

4

Defensive Investing Score

5.5

Dividend Investing Score

1.5

Economic Moat Investing Score

3.3

Garp Investing Score

1

Growth Investing Score

1

Momentum Investing Score

5

Net Net Investing Score

1

Quality Investing Score

1

Value Investing Score

3.5

Quarters > 0 > quarter

2025-09-30

Quarters > 0 > income Statement > revenue

26332000

Quarters > 0 > income Statement > cost Of Revenue

-

Quarters > 0 > income Statement > gross Profit

-

Quarters > 0 > income Statement > operating Expenses

-

Quarters > 0 > income Statement > operating Income

-18902000

Quarters > 0 > income Statement > interest Expense

10374000

Quarters > 0 > income Statement > pretax Income

-19287000

Quarters > 0 > income Statement > net Income

-18902000

Quarters > 0 > income Statement > eps

-4.564520763957142

Quarters > 0 > income Statement > dividends Per Share

771000

Quarters > 0 > income Statement > shares Outstanding

4141070

Quarters > 0 > income Statement > income Tax Expense

-6994000

Quarters > 0 > income Statement > EBITDA

-25896000

Quarters > 0 > income Statement > operating Margin

-71.78338143703479

Quarters > 0 > income Statement > total Other Income Expense Net

-385000

Quarters > 0 > balance Sheet > cash

5193000

Quarters > 0 > balance Sheet > short Term Investments

29857000

Quarters > 0 > balance Sheet > receivables

8898000

Quarters > 0 > balance Sheet > inventories

-

Quarters > 0 > balance Sheet > total Current Assets

43948000

Quarters > 0 > balance Sheet > property Plant Equipment

46528000

Quarters > 0 > balance Sheet > total Assets

1345978000

Quarters > 0 > balance Sheet > payables

1082000

Quarters > 0 > balance Sheet > short Term Debt

50000000

Quarters > 0 > balance Sheet > long Term Debt

57554000

Quarters > 0 > balance Sheet > total Liabilities

1256250000

Quarters > 0 > balance Sheet > equity

89728000

Quarters > 0 > cash Flow > net Income

1572000

Quarters > 0 > cash Flow > depreciation

-4783000

Quarters > 0 > cash Flow > change In Working Capital

6218000

Quarters > 0 > cash Flow > cash From Operations

-137457000

Quarters > 0 > cash Flow > capital Expenditures

266000

Quarters > 0 > cash Flow > cash From Investing

-24005000

Quarters > 0 > cash Flow > cash From Financing

17949000

Quarters > 0 > cash Flow > net Change In Cash

41251000

Quarters > 0 > ratios > PE

-4.564520763957142

Quarters > 0 > ratios > PB

0.373826085502853

Quarters > 0 > ratios > ROE

-21.065888017118404

Quarters > 0 > ratios > ROA

-1.4043320173138045

Quarters > 0 > ratios > FCF

-137723000

Quarters > 0 > ratios > Piotroski FScore

0

Quarters > 0 > ratios > fcf Percent

-5.230252164666566

Quarters > 0 > health Score

15

Quarters > 1 > quarter

2025-06-30

Quarters > 1 > income Statement > revenue

30742000

Quarters > 1 > income Statement > cost Of Revenue

17421000

Quarters > 1 > income Statement > gross Profit

13321000

Quarters > 1 > income Statement > operating Expenses

14970000

Quarters > 1 > income Statement > operating Income

-1649000

Quarters > 1 > income Statement > interest Expense

10157000

Quarters > 1 > income Statement > pretax Income

-1649000

Quarters > 1 > income Statement > net Income

-1237000

Quarters > 1 > income Statement > eps

-0.2987150663958832

Quarters > 1 > income Statement > dividends Per Share

717000

Quarters > 1 > income Statement > shares Outstanding

4141070

Quarters > 1 > income Statement > income Tax Expense

-412000

Quarters > 1 > income Statement > EBITDA

855000

Quarters > 1 > income Statement > operating Margin

-5.363997137466658

Quarters > 1 > income Statement > total Other Income Expense Net

-3849000

Quarters > 1 > balance Sheet > cash

78579000

Quarters > 1 > balance Sheet > short Term Investments

3869000

Quarters > 1 > balance Sheet > receivables

9495000

Quarters > 1 > balance Sheet > inventories

-

Quarters > 1 > balance Sheet > total Current Assets

91943000

Quarters > 1 > balance Sheet > property Plant Equipment

47567000

Quarters > 1 > balance Sheet > total Assets

1343867000

Quarters > 1 > balance Sheet > payables

1148000

Quarters > 1 > balance Sheet > short Term Debt

41393000

Quarters > 1 > balance Sheet > long Term Debt

47666000

Quarters > 1 > balance Sheet > total Liabilities

1235644000

Quarters > 1 > balance Sheet > equity

108223000

Quarters > 1 > cash Flow > net Income

-1237000

Quarters > 1 > cash Flow > depreciation

2504000

Quarters > 1 > cash Flow > change In Working Capital

-4986000

Quarters > 1 > cash Flow > cash From Operations

63293000

Quarters > 1 > cash Flow > capital Expenditures

193000

Quarters > 1 > cash Flow > cash From Investing

-103843000

Quarters > 1 > cash Flow > cash From Financing

54695000

Quarters > 1 > cash Flow > net Change In Cash

14145000

Quarters > 1 > ratios > PE

-0.2987150663958832

Quarters > 1 > ratios > PB

0.30994028071666835

Quarters > 1 > ratios > ROE

-1.1430102658399786

Quarters > 1 > ratios > ROA

-0.09204779937300343

Quarters > 1 > ratios > FCF

63100000

Quarters > 1 > ratios > Piotroski FScore

2

Quarters > 1 > ratios > fcf Percent

2.0525665213714137

Quarters > 1 > health Score

35

Quarters > 2 > quarter

2025-03-31

Quarters > 2 > income Statement > revenue

28401000

Quarters > 2 > income Statement > cost Of Revenue

14086000

Quarters > 2 > income Statement > gross Profit

14315000

Quarters > 2 > income Statement > operating Expenses

14778000

Quarters > 2 > income Statement > operating Income

-463000

Quarters > 2 > income Statement > interest Expense

9686000

Quarters > 2 > income Statement > pretax Income

-463000

Quarters > 2 > income Statement > net Income

-335000

Quarters > 2 > income Statement > eps

-0.08089696624302414

Quarters > 2 > income Statement > dividends Per Share

717000

Quarters > 2 > income Statement > shares Outstanding

4141070

Quarters > 2 > income Statement > income Tax Expense

-128000

Quarters > 2 > income Statement > EBITDA

1816000

Quarters > 2 > income Statement > operating Margin

-1.6302242878771873

Quarters > 2 > income Statement > total Other Income Expense Net

-2229000

Quarters > 2 > balance Sheet > cash

65179000

Quarters > 2 > balance Sheet > short Term Investments

6377000

Quarters > 2 > balance Sheet > receivables

9153000

Quarters > 2 > balance Sheet > inventories

-

Quarters > 2 > balance Sheet > total Current Assets

80709000

Quarters > 2 > balance Sheet > property Plant Equipment

48253000

Quarters > 2 > balance Sheet > total Assets

1291957000

Quarters > 2 > balance Sheet > payables

1053000

Quarters > 2 > balance Sheet > short Term Debt

22449000

Quarters > 2 > balance Sheet > long Term Debt

27777000

Quarters > 2 > balance Sheet > total Liabilities

1181872000

Quarters > 2 > balance Sheet > equity

110085000

Quarters > 2 > cash Flow > net Income

-335000

Quarters > 2 > cash Flow > depreciation

2279000

Quarters > 2 > cash Flow > change In Working Capital

-1232000

Quarters > 2 > cash Flow > cash From Operations

74164000

Quarters > 2 > cash Flow > capital Expenditures

73000

Quarters > 2 > cash Flow > cash From Investing

-92665000

Quarters > 2 > cash Flow > cash From Financing

3867000

Quarters > 2 > cash Flow > net Change In Cash

-14634000

Quarters > 2 > ratios > PE

-0.08089696624302414

Quarters > 2 > ratios > PB

0.30469788799563974

Quarters > 2 > ratios > ROE

-0.30431030567288914

Quarters > 2 > ratios > ROA

-0.025929655553551707

Quarters > 2 > ratios > FCF

74091000

Quarters > 2 > ratios > Piotroski FScore

2

Quarters > 2 > ratios > fcf Percent

2.608746170909475

Quarters > 2 > health Score

35

Quarters > 3 > quarter

2024-12-31

Quarters > 3 > income Statement > revenue

31623000

Quarters > 3 > income Statement > cost Of Revenue

15647000

Quarters > 3 > income Statement > gross Profit

15976000

Quarters > 3 > income Statement > operating Expenses

2928000

Quarters > 3 > income Statement > operating Income

13048000

Quarters > 3 > income Statement > interest Expense

11101000

Quarters > 3 > income Statement > pretax Income

13048000

Quarters > 3 > income Statement > net Income

9776000

Quarters > 3 > income Statement > eps

2.1963603684565265

Quarters > 3 > income Statement > dividends Per Share

715000

Quarters > 3 > income Statement > shares Outstanding

4451000

Quarters > 3 > income Statement > income Tax Expense

3272000

Quarters > 3 > income Statement > EBITDA

15534000

Quarters > 3 > income Statement > operating Margin

41.261107421813236

Quarters > 3 > income Statement > total Other Income Expense Net

-2306000

Quarters > 3 > balance Sheet > cash

80058000

Quarters > 3 > balance Sheet > short Term Investments

8885000

Quarters > 3 > balance Sheet > receivables

9155000

Quarters > 3 > balance Sheet > inventories

-

Quarters > 3 > balance Sheet > total Current Assets

98098000

Quarters > 3 > balance Sheet > property Plant Equipment

49063000

Quarters > 3 > balance Sheet > total Assets

1288297000

Quarters > 3 > balance Sheet > payables

1036000

Quarters > 3 > balance Sheet > short Term Debt

2488000

Quarters > 3 > balance Sheet > long Term Debt

7890000

Quarters > 3 > balance Sheet > total Liabilities

1177377000

Quarters > 3 > balance Sheet > equity

110920000

Quarters > 3 > cash Flow > net Income

9776000

Quarters > 3 > cash Flow > depreciation

2486000

Quarters > 3 > cash Flow > change In Working Capital

2376000

Quarters > 3 > cash Flow > cash From Operations

97462000

Quarters > 3 > cash Flow > capital Expenditures

19000

Quarters > 3 > cash Flow > cash From Investing

-104353000

Quarters > 3 > cash Flow > cash From Financing

20296000

Quarters > 3 > cash Flow > net Change In Cash

13405000

Quarters > 3 > ratios > PE

2.1963603684565265

Quarters > 3 > ratios > PB

0.325036963577353

Quarters > 3 > ratios > ROE

8.813559322033898

Quarters > 3 > ratios > ROA

0.7588312322391498

Quarters > 3 > ratios > FCF

97443000

Quarters > 3 > ratios > Piotroski FScore

4

Quarters > 3 > ratios > fcf Percent

3.0813964519495305

Quarters > 3 > health Score

58

Valuation > metrics > PE

-4.564520763957142

Valuation > metrics > PB

0.373826085502853

Valuation > final Score

70

Valuation > verdict

62.6% Undervalued

Profitability > metrics > ROE

-21.065888017118404

Profitability > metrics > ROA

-43.00992081550924

Profitability > metrics > Net Margin

-0.7178338143703479

Profitability > final Score

0

Profitability > verdict

Weak

Risk > metrics > Debt Equity

14.000646398002853

Risk > metrics > Interest Coverage

-1.8220551378446115

Risk > final Score

-1

Risk > verdict

High

Liquidity > metrics > Current Ratio

0.8603421949023139

Liquidity > metrics > Quick Ratio

0.8603421949023139

Liquidity > final Score

53

Liquidity > verdict

Weak

Prev Valuations > 0

70

Prev Valuations > 1

70

Prev Valuations > 2

90

Prev Profitabilities > 0

0

Prev Profitabilities > 1

0

Prev Profitabilities > 2

78

Prev Risks > 0

5

Prev Risks > 1

6

Prev Risks > 2

11

Prev Liquidities > 0

100

Prev Liquidities > 1

100

Prev Liquidities > 2

100

Updated At

2025-12-16T12:08:56.460Z