BayFirst Financial (BAFN) Competitors

First Internet Bancorp (NASDAQ:INBK) and BayFirst Financial (NASDAQ:BAFN) are both small-cap finance companies, but which is the superior business? We will compare the two businesses based on the strength of their earnings, profitability, analyst recommendations, dividends, media sentiment, risk, valuation and institutional ownership.

Which has higher earnings and valuation, INBK or BAFN?

First Internet Bancorp has higher earnings, but lower revenue than BayFirst Financial. BayFirst Financial is trading at a lower price-to-earnings ratio than First Internet Bancorp, 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
First Internet Bancorp	$136.47M	1.48	$25.28M	$1.76	13.20
BayFirst Financial	$143.28M	0.44	$12.60M	$2.24	6.77

Is INBK or BAFN a better dividend stock?

First Internet Bancorp pays an annual dividend of $0.24 per share and has a dividend yield of 1.0%. BayFirst Financial pays an annual dividend of $0.32 per share and has a dividend yield of 2.1%. First Internet Bancorp pays out 13.6% 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.

Do institutionals and insiders believe in INBK or BAFN?

65.5% of First Internet Bancorp shares are held by institutional investors. Comparatively, 16.9% of BayFirst Financial shares are held by institutional investors. 8.0% of First Internet Bancorp 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 large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Which has more volatility & risk, INBK or BAFN?

First Internet Bancorp has a beta of 0.72, suggesting that its stock price is 28% less volatile than the S&P 500. Comparatively, BayFirst Financial has a beta of 0.41, suggesting that its stock price is 59% less volatile than the S&P 500.

Do analysts prefer INBK or BAFN?

First Internet Bancorp currently has a consensus price target of $27.33, suggesting a potential upside of 17.61%. Given First Internet Bancorp's stronger consensus rating and higher probable upside, research analysts plainly believe First Internet Bancorp is more favorable than BayFirst Financial.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
First Internet Bancorp	0 Sell rating(s)	2 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.33
BayFirst Financial	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00

Is INBK or BAFN more profitable?

BayFirst Financial has a net margin of 8.22% compared to First Internet Bancorp's net margin of 4.36%. BayFirst Financial's return on equity of 12.68% beat First Internet Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
First Internet Bancorp	4.36%	3.04%	0.20%
BayFirst Financial	8.22%	12.68%	0.91%

Does the media favor INBK or BAFN?

In the previous week, First Internet Bancorp had 13 more articles in the media than BayFirst Financial. MarketBeat recorded 14 mentions for First Internet Bancorp and 1 mentions for BayFirst Financial. BayFirst Financial's average media sentiment score of 1.87 beat First Internet Bancorp's score of 0.19 indicating that BayFirst Financial is being referred to more favorably in the news media.

Company	Overall Sentiment
First Internet Bancorp	Neutral
BayFirst Financial	Very Positive

Summary

First Internet Bancorp beats BayFirst Financial on 10 of the 18 factors compared between the two stocks.