BayFirst Financial vs Central Pacific Financial
BAFN and CPF side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How BAFN and CPF compare
Central Pacific Financial is the larger company, worth 5.9 times as much as BayFirst Financial ($988M against $166M).
Central Pacific Financial pays a dividend yielding 3.0%; BayFirst Financial does not pay one.
Central Pacific Financial scores higher on the StockData Score (16 against 3 for BayFirst Financial), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | BAFN | CPF |
|---|---|---|
| Size and price | ||
| Market cap | $166M | $988M |
| Share price | $6.16 | $38.82 |
| Change, 1 year | −25.3% | 31.6% |
| Change, 5 years | −76.3% | 39.9% |
| Beta (5Y) | 0.39 | 0.73 |
| Employees | 145 | 763 |
| StockData Score | ||
| Total score | 3 | 16 (better) |
| Valuation score | 0 | 1 (better) |
| Growth score | 0 | 2 (better) |
| Performance score | 0 | 5 (better) |
| Health score | 3 | 4 (better) |
| Dividend score | 0 | 4 (better) |
| Valuation | ||
| P/E | – | 11.7× |
| P/S | – | 18.7× |
| P/B | 1.6× (better) | 1.7× |
| P/FCF | 1.8× (better) | 9.4× |
| PEG | – | 5.35 |
| FCF yield | 56.8% (better) | 10.6% |
| Fair value | – | $34.16 |
| Margin of safety | – | −13.6% |
| Growth | ||
| Revenue growth (TTM) | – | 31.1% |
| Revenue growth, 5Y average | −13.6% | 16.8% (better) |
| Net income growth (TTM) | – | 32.2% |
| EPS growth (TTM) | – | 36.2% |
| EPS growth, 5Y average | – | 16.7% |
| Profitability | ||
| Net margin | – | 165% |
| FCF margin | – | 198% |
| Return on equity | −44.5% | 14.9% (better) |
| Financial health | ||
| Altman Z-score | 0.06 | 0.14 (better) |
| Piotroski F-score | 4 | 7 (better) |
| Dividends and buybacks | ||
| Dividend yield | 0.00% | 3.0% (better) |
| Payout ratio | – | 34.7% |
| Years of dividend growth | 0 | 1 (better) |
| Dividend growth, 5Y average | −9.8% | 3.4% (better) |
| Buyback yield | 0.00% | – |
| Shareholder yield | 0.00% | 3.0% (better) |
| Ownership | ||
| Held by institutions | 2.2% | 96.2% |
| Held by insiders | 61.9% | 11.1% |
| Short interest, % of float | 6.3% | 3.8% |
Go deeper
- BAFN stock overview
- BAFN income statement
- BAFN valuation and score
- CPF stock overview
- CPF income statement
- CPF valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.