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BAFN Stock Chart & Stats
$7.29
$0.25(4.33%)
At close: 4:00 PM EDT
$7.29
$0.25(4.33%)
Day’s Range― - ―
52-Week Range$4.26 - $10.38
Previous CloseN/A
Volume19.95K
Average Volume (3M)153.84K
Market Cap
$145.06M
Enterprise Value$125.05M
Total Cash (Recent Filing)$212.92M
Total Debt (Recent Filing)$18.66M
Price to Earnings (P/E)―
Beta0.33
Next Earnings
Oct 29, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield124.8%
Share Statistics
EPS (TTM)-14.91
Shares Outstanding26,962,814
10 Day Avg. Volume106,336
30 Day Avg. Volume153,843
Financial Highlights & Ratios
PEG Ratio<0.01
Price to Book (P/B)0.37
Price to Sales (P/S)0.31
P/FCF Ratio0.11
Enterprise Value/Market Cap0.86
Enterprise Value/Revenue1.92
Enterprise Value/Gross Profit-10.58
Enterprise Value/Ebitda-1.69
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Strengthened Regulatory CapitalThe capital raise materially improves BayFirst’s ability to absorb credit losses and continue operating through remediation. Higher regulatory capital also provides greater flexibility to rebuild the balance sheet, support core lending and meet supervisory expectations over the next several quarters.
Improving Core Funding EconomicsA normalized net interest margin above the reported result, together with falling funding costs, indicates that core spread economics may be improving beneath the one-time charges. If sustained, this can support recurring net interest income as the bank refocuses on relationship-driven lending.
Better Asset Quality And LiquidityDeclining nonperforming loans and strong on-balance-sheet liquidity provide important operational resilience during the bank’s restructuring. The high insured-deposit share can also support funding stability, helping BayFirst manage withdrawals while it addresses legacy exposures.
Bears Say
Severe Earnings DeteriorationThe sharp revenue contraction and deeply negative margin show that BayFirst’s current earnings power is materially impaired. Losses reduce retained capital, limit internal funding for growth and make the recovery dependent on successful remediation and a sustained return to profitable lending.
Restatements And Control FailuresRestated financial statements and identified misstatements weaken confidence in historical reporting and indicate that internal controls required significant remediation. Even after corrective actions, tighter oversight and potential additional adjustments could consume management attention and delay a durable earnings recovery.
Credit Stress And Elevated Loss ReservesThe sharp increase in provisioning and reserve coverage signals substantial realized or anticipated credit losses in the loan book. Elevated credit costs can continue to suppress profitability, absorb capital and constrain new lending until legacy SBA-related risk is fully resolved.
BayFirst Financial Corp News
BAFN FAQ
What was BayFirst Financial Corp’s price range in the past 12 months?
BayFirst Financial Corp lowest stock price was $4.26 and its highest was $10.38 in the past 12 months.
What is BayFirst Financial Corp’s market cap?
BayFirst Financial Corp’s market cap is $145.06M.
When is BayFirst Financial Corp’s upcoming earnings report date?
BayFirst Financial Corp’s upcoming earnings report date is Oct 29, 2026 which is in 18 days.
How were BayFirst Financial Corp’s earnings last quarter?
BayFirst Financial Corp released its earnings results on Aug 13, 2026. The company reported -$8.046 earnings per share for the quarter.
Is BayFirst Financial Corp overvalued?
According to Wall Street analysts BayFirst Financial Corp’s price is currently Overvalued.
Does BayFirst Financial Corp pay dividends?
BayFirst Financial Corp pays a Quarterly dividend of $0.08 which represents an annual dividend yield of 124.8%. See more information on BayFirst Financial Corp dividends here
What is BayFirst Financial Corp’s EPS estimate?
BayFirst Financial Corp’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does BayFirst Financial Corp have?
BayFirst Financial Corp has 26,962,814 shares outstanding.
What happened to BayFirst Financial Corp’s price movement after its last earnings report?
BayFirst Financial Corp reported an EPS of -$8.046 in its last earnings report. Following the earnings report the stock price went down -0.774%.
Which hedge fund is a major shareholder of BayFirst Financial Corp?
Currently, no hedge funds are holding shares in BAFN
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
BayFirst Financial Corp Stock Smart Score
Neutral
1
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3
4
5
6
7
8
9
10
Technicals
SMA
Positive
20 days / 200 days
Momentum
-46.20%
12-Months-Change
Fundamentals
Return on Equity
-63.67%
Trailing 12-Months
Asset Growth
-15.55%
Trailing 12-Months
Learn more about TipRanks Smart Score
Company Description
BayFirst Financial Corp
Founded in 1999 and headquartered in Saint Petersburg, Florida, BayFirst Financial Corp. functions as the parent entity for First Home Bank. This financial institution offers a comprehensive array of commercial and consumer banking solutions for both businesses and individual clients. Its product portfolio includes various deposit accounts such as checking, savings, and certificates of deposit. Borrowers can access a range of home financing options, including residential mortgages, home equity loans, and home equity lines of credit. For businesses, specialized lending programs are available, encompassing minority lending initiatives, PPP loan forgiveness services, SBA loans, and general commercial lending. Furthermore, the company provides treasury management, merchant services, online banking, investment products, and credit cards. As of January 26, 2022, BayFirst Financial Corp. operated seven full-service branch locations across Florida in St. Petersburg, Seminole, Pinellas Park, Clearwater, Sarasota, Tampa, and Belleair Bluffs, alongside 23 mortgage loan production offices. The firm adopted its current name in May 2021, having previously operated as First Home Bancorp, Inc.
BAFN Company Deck
BAFN Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Negative
The call conveyed a mix of proactive remediation, strengthened capital and leadership changes but also significant near-term financial damage from legacy SBA exposures and accounting misstatements. Management took decisive actions—an $80M capital raise, a comprehensive asset resolution plan, restatements and leadership hires—that materially improved capital ratios (Tier 1 leverage to 8.3%) and clarified the bank's path forward. However, the quarter was dominated by large one-time losses (~$43.8M pretax), a Q2 net loss of $32.7M, a sharp drop in tangible book value per share (≈‑66% q/q), negative noninterest income, and meaningful contraction in loans and deposits. The improvements in normalized NIM (4.07%), falling cost of funds, and declining nonperforming loans are positive operational signals, but they do not yet fully offset the material financial and control issues disclosed this quarter.View all BAFN earnings summariesTechnical Analysis
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Ownership Overview
6.50% Insiders
0.67% Mutual Funds
0.06% Other Institutional Investors
92.13% Public Companies and
Individual Investors