BayFirst Financial (BAFN) Stock Price, News & Analysis

Company Overview

BayFirst Financial Corp is a Florida-based bank holding company and the parent of BayFirst Bank, a community-oriented institution offering a comprehensive suite of personal and commercial banking products. The company’s core business activities include deposit-taking services, commercial and consumer lending, treasury management, and wealth management solutions. BayFirst Bank’s product portfolio spans checking, savings and money market accounts; traditional mortgage and home equity lending; business credit lines; and equipment financing for small and medium-sized enterprises.

In addition to standard banking offerings, BayFirst Financial provides specialty services such as merchant card processing, cash management, and digital banking platforms designed to streamline transactions and enhance customer experience. Wealth management and trust services deliver financial planning, asset management, and fiduciary solutions to individuals, families, and institutions. The company emphasizes personalized service, leveraging its community focus to tailor offerings and foster long-term client relationships.

Headquartered in Jacksonville, Florida, BayFirst Bank operates a network of branches across Northeast Florida and Southeast Georgia, including markets such as St. Augustine, Ponte Vedra Beach, Jacksonville Beach, Orange Park, and Palatka. The company combines its physical branch presence with robust online and mobile banking capabilities, enabling clients to access accounts, perform transactions, and manage finances remotely. This multi-channel approach supports both urban and suburban communities, reflecting BayFirst’s commitment to regional economic development.

Established by a group of local banking professionals, BayFirst commenced operations in 2020 with a mission to deliver community-centric financial solutions. Since its founding, the company has focused on leveraging local market expertise and cultivating strong community ties. BayFirst Financial is governed by a board of directors comprised of civic and business leaders, and its executive leadership team brings extensive experience in community banking. This governance structure supports the company’s strategic growth objectives while maintaining a commitment to personalized service and community reinvestment.

Key Stats

• Today's Range: $14.02 to $15.45
• 50-Day Range: $13.95 to $16.44
• 52-Week Range: $11.89 to $19.75
• Volume: 32,843 shs
• Average Volume: 8,007 shs
• Market Capitalization: $63.23 million
• P/E Ratio: 6.83
• Dividend Yield: 2.09%
• Price Target: N/A
• Consensus Rating: N/A

BayFirst Financial Stock Analysis - MarketRank™

BayFirst Financial scored higher than 64% of companies evaluated by MarketBeat, and ranked 459th out of 901 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 6.83, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.68.

Price to Earnings Ratio vs. Sector

The P/E ratio of BayFirst Financial is 6.83, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.95.

Price to Book Value per Share Ratio

BayFirst Financial has a P/B Ratio of 0.66. 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

0.16% 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 0.6, 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 30.00%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

BayFirst Financial pays a meaningful dividend of 2.20%, 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 14.29%. 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

0.16% 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 0.6, 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 30.00%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 3.3 / 5
• News Sentiment: N/A

News Sentiment

BayFirst Financial has a news sentiment score of 0.99. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.74 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for BayFirst Financial this week, compared to 0 articles on an average week.

MarketBeat Follows

1 people have added BayFirst Financial to their MarketBeat watchlist in the last 30 days.

Company Ownership

• Score: 2.5 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In the past three months, BayFirst Financial insiders have bought more of their company's stock than they have sold. Specifically, they have bought $4,981.00 in company stock and sold $0.00 in 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 at the beginning of 2025. Since then, BAFN stock has increased by 15.1% and is now trading at $15.31.

How were BayFirst Financial's earnings last quarter?

BayFirst Financial Corp. (NASDAQ:BAFN) issued its earnings results on Thursday, April, 24th. The company reported ($0.17) earnings per share (EPS) for the quarter. The firm had revenue of $19.75 million for the quarter. BayFirst Financial had a trailing twelve-month return on equity of 12.68% and a net margin of 8.22%.
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: 4/24/2025
• Ex-Dividend for 6/15 Dividend: 5/30/2025
• Record date for 6/15 Dividend: 6/01/2025
• Dividend Payable: 6/15/2025
• Today: 7/07/2025
• Next Earnings (Estimated): 7/29/2025
• 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): $2.24
• Trailing P/E Ratio: 6.83
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $12.60 million
• Net Margins: 8.22%
• Pretax Margin: 11.02%
• Return on Equity: 12.68%
• Return on Assets: 0.91%

Debt

• Debt-to-Equity Ratio: 0.29
• Current Ratio: 1.00
• Quick Ratio: 0.95

Sales & Book Value

• Annual Sales: $143.28 million
• Price / Sales: 0.44
• Cash Flow: $5.67 per share
• Price / Cash Flow: 2.70
• Book Value: $23.03 per share
• Price / Book: 0.66

Miscellaneous

• Outstanding Shares: 4,130,000
• Free Float: 3,354,000
• Market Cap: $63.23 million
• Optionable: Not Optionable
• Beta: 0.41