BAFNNasdaqState Commercial BanksFiscal year ends December 31
BayFirst Financial Corp.
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 14, 2026
$6.44+0.24 (+3.87%)
Close on Oct 19, 2026
- Market cap
- $26.45M
- P/E (TTM)
- –
- Dividend yield
- 2.48%
BayFirst Financial statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of State Commercial Banks companies for comparison
Valuation
| Measure | BayFirst Financial | Industry median |
|---|---|---|
| Market Cap | $26.45M | $679.86M |
| Enterprise Value | -$112.72M | $408.94M |
| PS Ratio | 0.80 | 3.61 |
| PB Ratio | 0.23 | 1.18 |
| P/TBV Ratio | 0.23 | 1.41 |
| P/FCF Ratio | 0.18 | 10.93 |
| P/OCF Ratio | 0.18 | 10.04 |
Enterprise value
| Measure | BayFirst Financial | Industry median |
|---|---|---|
| EV / Sales | -3.40 | 2.78 |
| EV / FCF | -0.77 | 8.25 |
Income (trailing twelve months)
| Measure | BayFirst Financial | Industry median |
|---|---|---|
| Revenue | $33.11M | $170.85M |
| Pretax Income | -$83.15M | $70.12M |
| Net Income | -$60.37M | $54.33M |
| EPS (Diluted) | -$15.39 | $2.90 |
Margins
| Measure | BayFirst Financial | Industry median |
|---|---|---|
| Pretax Margin | -251.1% | 36.4% |
| Profit Margin | -182.3% | 29.1% |
| FCF Margin | 442.7% | 33.0% |
Returns
| Measure | BayFirst Financial | Industry median |
|---|---|---|
| Return on Equity (ROE) | -55.2% | 10.5% |
| Return on Assets (ROA) | -4.88% | 1.12% |
Growth
| Measure | BayFirst Financial | Industry median |
|---|---|---|
| Revenue Growth (YoY) | -64.7% | 11.8% |
| Net Income Growth (YoY) | -1157.6% | 23.1% |
| EPS Growth (YoY) | -1623.8% | 22.7% |
| FCF Growth (YoY) | -55.6% | 27.1% |
| Revenue Growth (3Y CAGR) | 0.81% | 5.82% |
| Revenue Growth (5Y CAGR) | -13.6% | 6.17% |
Balance sheet
| Measure | BayFirst Financial | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $139.17M | $205.54M |
| Net Cash (Debt) | $139.17M | $164.40M |
| Net Cash Per Share | $33.89 | $8.13 |
| Equity (Book Value) | $115.90M | $560.44M |
| Book Value Per Share | $28.22 | $28.47 |
| Tangible Book Value | $115.90M | $472.29M |
Cash flow (trailing twelve months)
| Measure | BayFirst Financial | Industry median |
|---|---|---|
| Operating Cash Flow | $146.73M | $61.20M |
| Capital Expenditures | -$141.00K | -$4.02M |
| Free Cash Flow | $146.59M | $52.43M |
| FCF Per Share | $35.69 | $3.07 |
Efficiency
| Measure | BayFirst Financial | Industry median |
|---|---|---|
| Asset Turnover | 0.03 | 0.04 |
| Revenue Per Employee | $228.35K | $353.78K |
| Profits Per Employee | -$416.33K | $107.28K |
| Employee Count | 145 | 489 |
Dividends and yields
| Measure | BayFirst Financial | Industry median |
|---|---|---|
| Earnings Yield | -228.2% | 8.07% |
| FCF Yield | 554.2% | 8.89% |
| Dividend Yield | 2.48% | 2.48% |
| Buyback Yield | -0.29% | 1.55% |
| Shareholder Yield | 2.19% | 3.13% |
| Dividend Per Share | $0.16 | $0.93 |
| Dividend Growth (YoY) | -33.3% | 4.26% |
| Years of Dividend Growth | 0 | 2 |
| FCF Payout Ratio | 0.00% | 26.0% |
Shares
| Measure | BayFirst Financial | Industry median |
|---|---|---|
| Shares Outstanding | 4,106,910 | 18,839,100 |
| Shares Change (YoY) | -0.47% | 0.39% |
| Shares Change (QoQ) | -0.03% | 0.00% |
| Shares Held by Institutions | 14.7% | 61.9% |
Taxes
| Measure | BayFirst Financial | Industry median |
|---|---|---|
| Income Tax | -$21.39M | $14.50M |
Scores
| Measure | BayFirst Financial | Industry median |
|---|---|---|
| Altman Z-Score | 0.01 | 0.21 |
| Piotroski F-Score | 4 | 6 |
Calculated by StockData from BayFirst Financial's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.