BAFN
BayFirst Financial Corp.
Price Chart
Latest Quote
$5.03
+0.05 (+1.00%)
Current Price
| Previous Close | $4.98 |
| Open | $4.95 |
| Day High | $5.07 |
| Day Low | $4.95 |
| Volume | 30,998 |
Stock Information
| Shares Outstanding | 4.11M |
| Total Debt | $20.58M |
| Cash Equivalents | $134.46M |
| Revenue | $31.50M |
| Net Income | $-29.82M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $20.66M |
| EPS (TTM) | $-5.54 |
| Exchange | NCM |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $-77.70M |
| Sales | $31.50M |
| Income | $-29.82M |
| Book/sh | $16.10 |
| Cash/sh | $32.74 |
| Employees | 143 |
Financial Ratios
Returns & Margins
| ROA | -2.27% |
| ROE | -29.47% |
| Operating Margin | -97.22% |
| Profit Margin | -89.78% |
Ownership
| Insider Ownership | 19.84% |
| Institutional Ownership | 16.10% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| P/S | 0.66 |
| P/B | 0.31 |
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $5.70 |
| SMA50 | $6.64 |
| SMA200 | $7.48 |
| RSI | 21.20 |
| ATR | 0.3091 |
| Shares Float | 3.52M |
| Short Float | 7.08% |
| Short Ratio | 2.29 |
| Volatility | 0.38 |
| Rel Volume | 1.50 |
Performance History
| Week | -10.97% |
| Month | -20.16% |
| Quarter | -12.82% |
| 6 Months | -36.81% |
| YTD | -36.09% |
| Year | -66.73% |
| 3 Years | -62.51% |
| 5 Years | -76.72% |
| 10 Years | -64.86% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-17 | $5.03 | 30,998 |
| 2026-06-16 | $4.98 | 25,400 |
| 2026-06-15 | $4.95 | 27,600 |
| 2026-06-12 | $5.07 | 33,500 |
| 2026-06-11 | $5.28 | 28,700 |
| 2026-06-10 | $5.65 | 13,900 |
| 2026-06-09 | $5.65 | 13,400 |
| 2026-06-08 | $5.56 | 9,000 |
| 2026-06-05 | $5.40 | 21,200 |
| 2026-06-04 | $5.43 | 31,100 |
| 2026-06-03 | $5.61 | 19,500 |
| 2026-06-02 | $5.81 | 27,500 |
| 2026-06-01 | $5.91 | 32,000 |
| 2026-05-29 | $6.20 | 13,400 |
| 2026-05-28 | $6.13 | 8,300 |
| 2026-05-27 | $6.30 | 4,800 |
| 2026-05-26 | $6.30 | 28,300 |
| 2026-05-22 | $6.39 | 15,400 |
| 2026-05-21 | $6.20 | 24,900 |
| 2026-05-20 | $6.06 | 4,000 |
| 2026-05-19 | $6.07 | 10,300 |
| 2026-05-18 | $6.30 | 19,400 |
About BayFirst Financial Corp.
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.
đ° Latest News
BAFN Incurs Q1 Loss on SBA Loan Credit Stress, Stock Down 10%
Zacks âĸ 2026-05-06T17:54:00Z
Floridaâs BayFirst makes a switch at CEO
Banking Dive âĸ 2026-05-04T12:18:04Z
BayFirst Financial Corp (BAFN) Q1 2026 Earnings Call Highlights: Strategic Capital Raise Amidst ...
GuruFocus.com âĸ 2026-05-02T07:02:10ZSector Update: Financial Stocks Decline Late Afternoon
MT Newswires âĸ 2026-05-01T20:02:19ZTop Midday Decliners
MT Newswires âĸ 2026-05-01T18:06:56ZBayFirst (BAFN) Q1 2026 Earnings Transcript
Motley Fool âĸ 2026-05-01T14:04:56Z
BayFirst Financial Corp. Q1 2026 Earnings Call Summary
Moby âĸ 2026-05-01T12:30:00Z
The Zacks Analyst Blog Highlights Broadcom, Visa, Home Depot and BayFirst Financial
Zacks âĸ 2026-04-06T15:05:00Z
Top Stock Reports for Broadcom, Visa & Home Depot
Zacks âĸ 2026-04-02T20:33:00Z
BayFirst Incurs Q4 Loss Amid SBA Exit and Credit Headwinds
Zacks âĸ 2026-02-04T17:09:00Z
Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $56,180,000 | $80,455,000 | $78,761,000 | $57,839,000 |
| Operating Revenue | $56,180,000 | $80,455,000 | $78,761,000 | $57,839,000 |
| Expenses | ||||
| Interest Expense | $40,009,000 | $44,784,000 | $32,086,000 | $8,566,000 |
| Selling And Marketing Expense | $1,433,000 | $2,050,000 | $3,336,000 | $2,660,000 |
| General And Administrative Expense | $30,937,000 | $37,694,000 | $38,876,000 | $32,046,000 |
| Professional Expense And Contract Services Expense | $3,456,000 | $3,882,000 | $3,657,000 | $4,083,000 |
| Other Non Interest Expense | $13,247,000 | $11,917,000 | $9,655,000 | $8,717,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $-22,937,000 | $12,672,000 | $5,915,000 | $5,478,000 |
| Net Interest Income | $45,785,000 | $38,026,000 | $36,431,000 | $30,000,000 |
| Interest Income | $85,794,000 | $82,810,000 | $68,517,000 | $38,566,000 |
| Normalized Income | $-17,518,448 | $3,981,846 | $5,915,000 | $5,478,000 |
| Net Income From Continuing And Discontinued Operation | $-22,937,000 | $12,603,000 | $5,702,000 | $-349,000 |
| Average Dilution Earnings | $0 | $966,000 | $389,000 | $257,000 |
| Net Income Common Stockholders | $-24,478,000 | $11,062,000 | $4,737,000 | $-1,181,000 |
| Net Income | $-22,937,000 | $12,603,000 | $5,702,000 | $-349,000 |
| Net Income Including Noncontrolling Interests | $-22,937,000 | $12,603,000 | $5,702,000 | $-349,000 |
| Net Income Discontinuous Operations | $0 | $-69,000 | $-213,000 | $-5,827,000 |
| Net Income Continuous Operations | $-22,937,000 | $12,672,000 | $5,915,000 | $5,478,000 |
| Pretax Income | $-30,830,000 | $16,987,000 | $8,034,000 | $7,038,000 |
| Special Income Charges | $-7,283,000 | $11,649,000 | $0 | - |
| Per Share | ||||
| Diluted EPS | $-4.54 | $2.00 | $0.86 | $-0.22 |
| Basic EPS | $-4.54 | $2.05 | $0.89 | $-0.22 |
| Other | ||||
| Tax Effect Of Unusual Items | $-1,864,448 | $2,958,846 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $-7,283,000 | $11,649,000 | $0 | - |
| Total Unusual Items Excluding Goodwill | $-7,283,000 | $11,649,000 | $0 | - |
| Reconciled Depreciation | $9,116,000 | $8,722,000 | $6,752,000 | $4,973,000 |
| Diluted Average Shares | $5,394,781 | $5,518,041 | $5,527,617 | $5,322,363 |
| Basic Average Shares | $5,394,781 | $5,394,503 | $5,337,009 | $5,322,363 |
| Diluted NI Availto Com Stockholders | $-24,478,000 | $12,028,000 | $5,126,000 | $-924,000 |
| Preferred Stock Dividends | $1,541,000 | $1,541,000 | $965,000 | $832,000 |
| Tax Provision | $-7,893,000 | $4,315,000 | $2,119,000 | $1,560,000 |
| Restructuring And Mergern Acquisition | $7,283,000 | $0 | - | - |
| Selling General And Administration | $32,370,000 | $39,744,000 | $42,212,000 | $34,706,000 |
| Salaries And Wages | $30,937,000 | $37,694,000 | $38,876,000 | $32,046,000 |
| Occupancy And Equipment | $6,068,000 | $4,848,000 | $4,758,000 | $3,995,000 |
| Other Special Charges | - | $-11,649,000 | - | - |
| Other Gand A | - | - | - | - |
Fetched: 2026-06-14
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $74,989,000 | $94,386,000 | $85,748,000 | $80,978,000 |
| Total Assets | $1,300,258,000 | $1,288,297,000 | $1,117,766,000 | $938,895,000 |
| Goodwill And Other Intangible Assets | $12,580,000 | $16,534,000 | $14,959,000 | $10,906,000 |
| Other Intangible Assets | $12,580,000 | $16,534,000 | $14,959,000 | $10,906,000 |
| Receivables | $8,421,000 | $9,155,000 | $7,130,000 | $4,452,000 |
| Accounts Receivable | $8,421,000 | $9,155,000 | $7,130,000 | $4,452,000 |
| Cash And Cash Equivalents | $206,982,000 | $80,058,000 | $63,031,000 | $70,927,000 |
| Cash Financial | $5,123,000 | $4,499,000 | $4,099,000 | $3,649,000 |
| Cash Cash Equivalents And Federal Funds Sold | $211,638,000 | $84,584,000 | $67,801,000 | $74,964,000 |
| Debt | ||||
| Total Debt | $20,819,000 | $22,400,000 | $20,957,000 | $37,374,000 |
| Long Term Debt And Capital Lease Obligation | $20,819,000 | $22,400,000 | $20,957,000 | $37,374,000 |
| Long Term Debt | $7,555,000 | $7,890,000 | $18,338,000 | $33,836,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $1,212,689,000 | $1,177,377,000 | $1,017,059,000 | $847,011,000 |
| Payables And Accrued Expenses | $1,133,000 | $1,036,000 | $882,000 | $704,000 |
| Payables | $1,133,000 | $1,036,000 | $882,000 | $704,000 |
| Accounts Payable | $1,133,000 | $1,036,000 | $882,000 | $704,000 |
| Non Current Deferred Liabilities | - | $301,000 | $482,000 | - |
| Non Current Deferred Taxes Liabilities | - | $301,000 | $482,000 | - |
| Equity | ||||
| Common Stock Equity | $71,839,000 | $95,190,000 | $84,977,000 | $82,600,000 |
| Preferred Stock Equity | $15,730,000 | $15,730,000 | $15,730,000 | $9,284,000 |
| Total Equity Gross Minority Interest | $87,569,000 | $110,920,000 | $100,707,000 | $91,884,000 |
| Stockholders Equity | $87,569,000 | $110,920,000 | $100,707,000 | $91,884,000 |
| Other Equity Interest | $-335,000 | $-752,000 | $-958,000 | $-178,000 |
| Gains Losses Not Affecting Retained Earnings | $-1,960,000 | $-2,956,000 | $-2,981,000 | $-3,724,000 |
| Other Equity Adjustments | $-1,960,000 | $-2,956,000 | $-2,981,000 | $-3,724,000 |
| Retained Earnings | $19,763,000 | $44,134,000 | $34,395,000 | $33,479,000 |
| Other | ||||
| Ordinary Shares Number | $5,368,961 | $5,401,526 | $5,372,099 | $5,283,233 |
| Share Issued | $5,368,961 | $5,401,526 | $5,372,099 | $5,283,233 |
| Tangible Book Value | $59,259,000 | $78,656,000 | $70,018,000 | $71,694,000 |
| Invested Capital | $79,394,000 | $103,080,000 | $103,315,000 | $116,436,000 |
| Capital Lease Obligations | $13,264,000 | $14,510,000 | $2,619,000 | $3,538,000 |
| Total Capitalization | $95,124,000 | $118,810,000 | $119,045,000 | $125,720,000 |
| Capital Stock | $70,101,000 | $70,494,000 | $70,251,000 | $62,307,000 |
| Common Stock | $54,371,000 | $54,764,000 | $54,521,000 | $53,023,000 |
| Preferred Stock | $15,730,000 | $15,730,000 | $15,730,000 | $9,284,000 |
| Long Term Capital Lease Obligation | $13,264,000 | $14,510,000 | $2,619,000 | $3,538,000 |
| Investments And Advances | $31,856,000 | $38,779,000 | $42,059,000 | $47,351,000 |
| Held To Maturity Securities | $2,493,000 | $2,488,000 | $2,484,000 | $5,002,000 |
| Available For Sale Securities | $29,363,000 | $27,406,000 | - | - |
| Net PPE | $45,692,000 | $49,063,000 | $41,290,000 | $38,617,000 |
| Accumulated Depreciation | $-10,608,000 | $-8,611,000 | $-7,388,000 | $-6,248,000 |
| Gross PPE | $56,300,000 | $57,674,000 | $48,678,000 | $44,865,000 |
| Leases | $3,092,000 | $3,176,000 | $3,127,000 | $2,833,000 |
| Construction In Progress | $0 | $37,000 | $6,882,000 | $14,716,000 |
| Other Properties | $14,504,000 | $15,814,000 | $2,416,000 | $3,177,000 |
| Machinery Furniture Equipment | $8,028,000 | $7,987,000 | $7,205,000 | $6,520,000 |
| Buildings And Improvements | $25,146,000 | $25,130,000 | $22,557,000 | $13,131,000 |
| Land And Improvements | $5,530,000 | $5,530,000 | $6,491,000 | $4,488,000 |
| Other Short Term Investments | - | $36,291,000 | $39,575,000 | $42,349,000 |
| Treasury Shares Number | - | - | $0 | - |
| Current Accrued Expenses | - | - | - | $12,205,000 |
Fetched: 2026-06-14
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $284,995,000 | $388,844,000 | $447,215,000 | $432,187,000 |
| Operating Activities | ||||
| Operating Cash Flow | $285,295,000 | $390,534,000 | $454,797,000 | $440,251,000 |
| Cash From Discontinued Operating Activities | $0 | $-341,000 | $-388,000 | $105,541,000 |
| Cash Flow From Continuing Operating Activities | $285,295,000 | $390,875,000 | $455,185,000 | $334,710,000 |
| Operating Gains Losses | $-10,527,000 | $-49,744,000 | $-40,271,000 | $-26,476,000 |
| Investing Activities | ||||
| Capital Expenditure | $-300,000 | $-1,690,000 | $-7,582,000 | $-8,064,000 |
| Investing Cash Flow | $-194,943,000 | $-515,933,000 | $-641,276,000 | $-510,605,000 |
| Cash Flow From Continuing Investing Activities | $-194,943,000 | $-515,933,000 | $-641,276,000 | $-510,605,000 |
| Net Other Investing Changes | $214,000 | $390,000 | $2,314,000 | $-1,210,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-335,000 | $-23,000 | $-13,000 | $-49,000 |
| Issuance Of Capital Stock | $50,000 | $0 | $6,735,000 | $509,000 |
| Financing Cash Flow | $38,842,000 | $144,802,000 | $178,818,000 | $26,673,000 |
| Cash Flow From Continuing Financing Activities | $38,842,000 | $144,802,000 | $178,818,000 | $26,673,000 |
| Cash Dividends Paid | $-1,434,000 | $-2,864,000 | $-2,278,000 | $-2,119,000 |
| Preferred Stock Dividend Paid | $-771,000 | $-1,541,000 | $-965,000 | $-832,000 |
| Common Stock Dividend Paid | $-663,000 | $-1,323,000 | $-1,313,000 | $-1,287,000 |
| Net Common Stock Issuance | $-285,000 | $-23,000 | $276,000 | $460,000 |
| Common Stock Issuance | $50,000 | - | $289,000 | $509,000 |
| Net Preferred Stock Issuance | - | $0 | $6,446,000 | $0 |
| Preferred Stock Issuance | - | $0 | $6,446,000 | $0 |
| Net Other Financing Charges | - | - | - | - |
| Other | ||||
| Repayment Of Debt | $-341,000 | $-10,455,000 | $-15,505,000 | $-70,109,000 |
| Interest Paid Supplemental Data | $39,912,000 | $44,630,000 | $31,908,000 | $8,188,000 |
| Income Tax Paid Supplemental Data | $5,296,000 | $8,000 | $97,000 | $248,000 |
| End Cash Position | $206,982,000 | $77,788,000 | $58,385,000 | $66,046,000 |
| Beginning Cash Position | $77,788,000 | $58,385,000 | $66,046,000 | $109,727,000 |
| Changes In Cash | $129,194,000 | $19,403,000 | $-7,661,000 | $-43,681,000 |
| Proceeds From Stock Option Exercised | $193,000 | $53,000 | $-189,000 | $56,000 |
| Common Stock Payments | $-335,000 | $-23,000 | $-13,000 | $-49,000 |
| Net Issuance Payments Of Debt | $-341,000 | $-10,455,000 | $-15,505,000 | $-45,109,000 |
| Net Short Term Debt Issuance | $0 | $-10,000,000 | $-15,000,000 | $25,000,000 |
| Short Term Debt Payments | $0 | $-10,000,000 | $-15,000,000 | - |
| Net Long Term Debt Issuance | $-341,000 | $-455,000 | $-505,000 | $-70,109,000 |
| Long Term Debt Payments | $-341,000 | $-455,000 | $-505,000 | $-70,109,000 |
| Net Investment Purchase And Sale | $8,135,000 | $3,451,000 | $5,450,000 | $-21,032,000 |
| Sale Of Investment | $13,983,000 | $7,909,000 | $6,183,000 | $2,862,000 |
| Purchase Of Investment | $-5,848,000 | $-4,458,000 | $-733,000 | $-23,894,000 |
| Net PPE Purchase And Sale | $-300,000 | $13,056,000 | $-7,582,000 | $-8,064,000 |
| Sale Of PPE | $0 | $14,746,000 | $0 | - |
| Purchase Of PPE | $-300,000 | $-1,690,000 | $-7,582,000 | $-8,064,000 |
| Change In Working Capital | $-5,356,000 | $3,883,000 | $-6,855,000 | $1,023,000 |
| Change In Other Current Liabilities | $-5,013,000 | $13,645,000 | $-4,472,000 | $3,347,000 |
| Change In Other Current Assets | $-1,174,000 | $-7,891,000 | $117,000 | $-1,782,000 |
| Change In Payables And Accrued Expense | $97,000 | $154,000 | $178,000 | $378,000 |
| Change In Payable | $97,000 | $154,000 | $178,000 | $378,000 |
| Change In Account Payable | $97,000 | $154,000 | $178,000 | $378,000 |
| Change In Receivables | $734,000 | $-2,025,000 | $-2,678,000 | $-920,000 |
| Changes In Account Receivables | $734,000 | $-2,025,000 | $-2,678,000 | $-920,000 |
| Other Non Cash Items | $298,685,000 | $402,678,000 | $478,756,000 | $351,482,000 |
| Stock Based Compensation | $116,000 | $419,000 | $631,000 | $850,000 |
| Asset Impairment Charge | $1,422,000 | $0 | - | - |
| Deferred Tax | $-7,221,000 | $-189,000 | $2,119,000 | $424,000 |
| Deferred Income Tax | $-7,221,000 | $-189,000 | $2,119,000 | $424,000 |
| Depreciation Amortization Depletion | $9,116,000 | $8,722,000 | $6,752,000 | $4,973,000 |
| Depreciation And Amortization | $9,116,000 | $8,722,000 | $6,752,000 | $4,973,000 |
| Amortization Cash Flow | $6,928,000 | $6,258,000 | $4,507,000 | $3,258,000 |
| Amortization Of Intangibles | $6,928,000 | $6,258,000 | $4,507,000 | $3,258,000 |
| Depreciation | $2,188,000 | $2,464,000 | $2,245,000 | $1,715,000 |
| Gain Loss On Sale Of PPE | $0 | $-11,649,000 | $0 | - |
| Net Income From Continuing Operations | $-22,937,000 | $12,672,000 | $5,915,000 | $5,478,000 |
| Issuance Of Debt | - | - | - | $25,000,000 |
| Short Term Debt Issuance | - | - | - | $25,000,000 |
| Long Term Debt Issuance | - | - | - | $0 |
Fetched: 2026-06-14