BayFirst Financial (BAFN) Competitors

Chemung Financial (NASDAQ:CHMG) and BayFirst Financial (NASDAQ:BAFN) are both small-cap finance companies, but which is the better stock? We will contrast the two companies based on the strength of their institutional ownership, risk, media sentiment, valuation, profitability, analyst recommendations, earnings and dividends.

Which has stronger earnings & valuation, CHMG or BAFN?

Chemung Financial has higher revenue and earnings than BayFirst Financial. BayFirst Financial is trading at a lower price-to-earnings ratio than Chemung Financial, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Chemung Financial	$150.79M	1.60	$23.67M	$4.74	10.64
BayFirst Financial	$143.28M	0.43	$12.60M	$2.24	6.67

Which has more volatility & risk, CHMG or BAFN?

Chemung Financial has a beta of 0.37, meaning that its share price is 63% less volatile than the S&P 500. Comparatively, BayFirst Financial has a beta of 0.41, meaning that its share price is 59% less volatile than the S&P 500.

Do analysts prefer CHMG or BAFN?

Chemung Financial presently has a consensus price target of $52.50, suggesting a potential upside of 4.06%. Given Chemung Financial's stronger consensus rating and higher possible upside, equities analysts plainly believe Chemung Financial is more favorable than BayFirst Financial.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Chemung Financial	0 Sell rating(s)	2 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00
BayFirst Financial	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00

Is CHMG or BAFN more profitable?

Chemung Financial has a net margin of 14.95% compared to BayFirst Financial's net margin of 8.22%. BayFirst Financial's return on equity of 12.68% beat Chemung Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Chemung Financial	14.95%	10.47%	0.82%
BayFirst Financial	8.22%	12.68%	0.91%

Does the media prefer CHMG or BAFN?

In the previous week, Chemung Financial and Chemung Financial both had 1 articles in the media. Chemung Financial's average media sentiment score of 1.04 beat BayFirst Financial's score of 0.99 indicating that Chemung Financial is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Chemung Financial	1 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
BayFirst Financial	0 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Is CHMG or BAFN a better dividend stock?

Chemung Financial pays an annual dividend of $1.28 per share and has a dividend yield of 2.5%. BayFirst Financial pays an annual dividend of $0.32 per share and has a dividend yield of 2.1%. Chemung Financial pays out 27.0% of its earnings in the form of a dividend. BayFirst Financial pays out 14.3% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Chemung Financial has raised its dividend for 1 consecutive years. Chemung Financial is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Do institutionals and insiders hold more shares of CHMG or BAFN?

47.5% of Chemung Financial shares are held by institutional investors. Comparatively, 16.9% of BayFirst Financial shares are held by institutional investors. 12.4% of Chemung Financial shares are held by company insiders. Comparatively, 18.8% of BayFirst Financial shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

Summary

Chemung Financial beats BayFirst Financial on 12 of the 17 factors compared between the two stocks.