Stock Scorecard
Stock Summary for BayFirst Financial Corp (BAFN) - $9.65 as of 8/15/2025 6:21:04 PM EST
Total Score
22 out of 30
Safety Score
46 out of 100
Currently on the following lists
None
Tim's Recommendation
Buy
Growth List Algorithm Criteria for BAFN
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for BAFN
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for BAFN
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for BAFN
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for BAFN (46 out of 100)
| Stock Price Rating (Max of 10) | 4 |
| Historical Stock Price Rating (Max of 10) | 7 |
| Stock Price Trend (Max of 10) | 1 |
| Book Value (Max of 10) | 7 |
| Book Value to Price (Max of 10) | 10 |
| Analyst Buy Ratings (Max of 5) | 0 |
| Analyst Strong Buy Ratings (Max of 5) | 0 |
| Dividend Yield Percentage (Max of 10) | 6 |
| Operating Margin (Max of 10) | 0 |
| Trading Volume (Max of 10) | 1 |
| Price to Earnings (Max of 10) | 10 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for BAFN
Financial Details for BAFN
Company Overview |
|
|---|---|
| Ticker | BAFN |
| Company Name | BayFirst Financial Corp |
| Country | USA |
| Description | BayFirst Financial Corp. The company is headquartered in Saint Petersburg, Florida. |
| Sector Name | FINANCE |
| Industry Name | STATE COMMERCIAL BANKS |
| Most Recent Quarter | 6/30/2025 |
| Next Earnings Date | 10/30/2025 |
Stock Price History |
|
| Last Day Price | 9.65 |
| Price 4 Years Ago | 21.12 |
| Last Day Price Updated | 8/15/2025 6:21:04 PM EST |
| Last Day Volume | 25,601 |
| Average Daily Volume | 14,294 |
| 52-Week High | 19.65 |
| 52-Week Low | 8.80 |
| Last Price to 52 Week Low | 9.66% |
Valuation Measures |
|
| Trailing PE | 5.27 |
| Industry PE | 16.64 |
| Sector PE | 21.43 |
| 5-Year Average PE | -0.33 |
| Free Cash Flow Ratio | 0.56 |
| Industry Free Cash Flow Ratio | 7.78 |
| Sector Free Cash Flow Ratio | 14.55 |
| Current Ratio Most Recent Quarter | 0.07 |
| Total Cash Per Share | 17.21 |
| Book Value Per Share Most Recent Quarter | 22.37 |
| Price to Book Ratio | 0.43 |
| Industry Price to Book Ratio | 1.10 |
| Sector Price to Book Ratio | 2.20 |
| Price to Sales Ratio Twelve Trailing Months | 0.51 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.21 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.36 |
| Analyst Buy Ratings | N/A |
| Analyst Strong Buy Ratings | N/A |
Share Statistics |
|
| Total Shares Outstanding | 4,133,600 |
| Market Capitalization | 39,889,240 |
| Institutional Ownership | 14.75% |
Dividends |
|
| Ex-Dividend Date | 5/30/2025 |
| Previous Dividend Amount | 0.0800 |
| Current Dividend Amount | 0.0800 |
| Total Years Dividend Increasing | 0 |
| Trailing Annual Dividend Rate | 0.32 |
| Trailing Annual Dividend Yield | 3.24% |
| Forward Annual Dividend Rate | 0.32 |
| Forward Annual Dividend Yield | 3.24% |
| 5-Year Dividend Payments Count | 19 |
| 3-Year Average Dividend Yield | 2.43% |
| 5-Year Average Dividend Yield | 2.08% |
| 1-Year Dividend Growth Rate Percentage | 0.00% |
| 3-Year Dividend Growth Rate Percentage | 0.00% |
| 5-Year Dividend Growth Rate Percentage | 3.70% |
| All-Time Dividend Growth Rate Percentage | 3.97% |
| Dividend Payout Ratio | 17.49% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 609.00% |
| Annual Earnings Growth | 121.03% |
| Reported EPS 12 Trailing Months | 1.83 |
| Reported EPS Past Year | -0.57 |
| Reported EPS Prior Year | 3.53 |
| Net Income Twelve Trailing Months | 9,341,000 |
| Net Income Past Year | 12,603,000 |
| Net Income Prior Year | 5,702,000 |
| Quarterly Revenue Growth YOY | -11.00% |
| 5-Year Revenue Growth | 10.82% |
| Operating Margin Twelve Trailing Months | -8.17% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 71,157,000 |
| Total Cash Past Year | 80,058,000 |
| Total Cash Prior Year | 63,031,000 |
| Net Cash Position Most Recent Quarter | 23,491,000 |
| Net Cash Position Past Year | 72,168,000 |
| Long Term Debt Past Year | 7,890,000 |
| Long Term Debt Prior Year | 18,338,000 |
| Total Debt Most Recent Quarter | 47,666,000 |
| Equity to Debt Ratio Past Year | 0.93 |
| Equity to Debt Ratio Most Recent Quarter | 0.69 |
| Total Stockholder Equity Past Year | 110,920,000 |
| Total Stockholder Equity Prior Year | 100,707,000 |
| Total Stockholder Equity Most Recent Quarter | 108,223,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 325,103,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 78.65 |
| Free Cash Flow Past Year | 388,844,000 |
| Free Cash Flow Prior Year | 447,215,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | False |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | -1.13 |
| MACD Signal | -0.68 |
| 20-Day Bollinger Lower Band | 11.46 |
| 20-Day Bollinger Middle Band | 14.24 |
| 20-Day Bollinger Upper Band | 17.03 |
| Beta | 0.08 |
| RSI | 19.17 |
| 50-Day SMA | 13.68 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 15.21 |
System |
|
| Modified | 8/15/2025 6:21:06 PM EST |