BayFirst Financial (BAFN) Stock Price, News & Analysis

Company Overview

BayFirst Financial Corp (NASDAQ: BAFN) is the bank holding company for BayFirst National Bank, which operates as a Florida-chartered community bank. The company provides a range of commercial banking services, catering to both business and individual customers in the Tampa Bay region. BayFirst Financial emphasizes relationship-driven banking, offering personalized solutions tailored to the needs of local clients.

The company’s product suite includes deposit accounts such as checking, savings, money market accounts and certificates of deposit. On the lending side, BayFirst Financial offers commercial real estate financing, construction loans, land development financing and residential mortgage loans. It also provides consumer lending products, including home equity lines of credit and personal loans. Complementing these offerings are wealth management and trust services, aimed at helping clients preserve and grow their assets.

Headquartered in Largo, Florida, BayFirst Financial serves customers across Pinellas, Hillsborough and Pasco counties, with branch locations and digital banking platforms that support online and mobile transactions. Its treasury management solutions assist businesses with cash‐flow optimization, payment processing and fraud prevention. The company’s emphasis on local decision-making and community involvement helps differentiate it in a competitive regional banking market.

Founded in 2007, BayFirst Financial has grown through organic expansion and a focus on customer service. The company is led by President and Chief Executive Officer Kenneth A. Tucker, who brings decades of banking experience to the organization. Under his leadership, BayFirst Financial continues to pursue strategic growth initiatives while maintaining its commitment to community banking principles.

Key Stats

• Today's Range: $9.91 to $10.29
• 50-Day Range: $6.63 to $13.25
• 52-Week Range: $6.40 to $19.75
• Volume: 5,006 shs
• Average Volume: 9,537 shs
• Market Capitalization: $41.71 million
• P/E Ratio: 5.83
• Dividend Yield: 3.17%
• Price Target: N/A
• Consensus Rating: Hold

BayFirst Financial Stock Analysis - MarketRank™

BayFirst Financial scored higher than 22% of companies evaluated by MarketBeat, and ranked 820th out of 925 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for BayFirst Financial.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of BayFirst Financial is 5.83, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 234.02.

Price to Earnings Ratio vs. Sector

The P/E ratio of BayFirst Financial is 5.83, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 30.16.

Price to Book Value per Share Ratio

BayFirst Financial has a P/B Ratio of 0.44. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.24% of the float of BayFirst Financial has been sold short.

Short Interest Ratio / Days to Cover

BayFirst Financial has a short interest ratio ("days to cover") of 0.5, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in BayFirst Financial has recently increased by 105.13%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

BayFirst Financial pays a meaningful dividend of 3.12%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

BayFirst Financial does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of BayFirst Financial is 18.50%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.24% of the float of BayFirst Financial has been sold short.

Short Interest Ratio / Days to Cover

BayFirst Financial has a short interest ratio ("days to cover") of 0.5, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in BayFirst Financial has recently increased by 105.13%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 0.0 / 5
• News Sentiment: N/A

News Coverage This Week

MarketBeat has tracked 1 news article for BayFirst Financial this week, compared to 1 article on an average week.

Company Ownership

• Score: 0.8 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, BayFirst Financial insiders have not sold or bought any company stock.

Percentage Held by Insiders

18.76% of the stock of BayFirst Financial is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

Only 16.88% of the stock of BayFirst Financial is held by institutions.

BAFN Stock Analysis - Frequently Asked Questions

How have BAFN shares performed this year?

BayFirst Financial's stock was trading at $13.30 on January 1st, 2025. Since then, BAFN stock has decreased by 24.1% and is now trading at $10.09.

How were BayFirst Financial's earnings last quarter?

BayFirst Financial Corp. (NASDAQ:BAFN) issued its quarterly earnings data on Tuesday, July, 29th. The company reported ($0.39) EPS for the quarter. The company earned $23.14 million during the quarter. BayFirst Financial had a trailing twelve-month return on equity of 10.14% and a net margin of 6.65%.
Read the conference call transcript.

How do I buy shares of BayFirst Financial?

Shares of BAFN stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of BayFirst Financial own?

Based on aggregate information from My MarketBeat watchlists, some other companies that BayFirst Financial investors own include HubSpot (HUBS), Diamondback Energy (FANG), ForgeRock (FORG), Netflix (NFLX), Sportradar Group (SRAD) and Bank of America (BAC).

Company Calendar

• Last Earnings: 7/29/2025
• Today: 10/09/2025
• Next Earnings (Estimated): 10/30/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - SOUTHEAST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:BAFN
• CIK: 1649739
• Web: www.firsthomebank.com
• Phone: (727) 440-6848
• Fax: N/A
• Employees: 640
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): $1.73
• Trailing P/E Ratio: 5.83
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $12.60 million
• Net Margins: 6.65%
• Pretax Margin: 8.88%
• Return on Equity: 10.14%
• Return on Assets: 0.72%

Debt

• Debt-to-Equity Ratio: 0.52
• Current Ratio: 1.02
• Quick Ratio: 0.94

Sales & Book Value

• Annual Sales: $79.59 million
• Price / Sales: 0.52
• Cash Flow: $5.28 per share
• Price / Cash Flow: 1.91
• Book Value: $23.03 per share
• Price / Book: 0.44

Miscellaneous

• Outstanding Shares: 4,134,000
• Free Float: 3,358,000
• Market Cap: $41.71 million
• Optionable: Not Optionable
• Beta: 0.41