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BayFirst Financial Corp. - Common Stock (BAFN)

NASDAQ Nano Cap

Financial Services › State Commercial Banks

$6.37
Market Cap: $26M
Data as of Sep 30, 2025 (TTM)

Price History

Feb 9, 2026 — May 3, 2026

Investment Snapshot

  • Trading 84% below Graham Number ($40.23) — significant margin of safety
  • Piotroski F-Score 3/9 — signs of financial weakness
  • Loss-making — negative ROE of -22.1%
  • High dividend yield of 5.0%

BayFirst Financial Corp. - Common Stock (BAFN) is a Financial Services company operating in State Commercial Banks, listed on the NASDAQ , with a market capitalisation of $26 million . Key value metrics: P/E ratio 2.4, P/B ratio 0.30, Piotroski F-Score 3 out of 9 .

Value Score

Key Metrics

P/E Ratio
2.38
0.30
EPS
$-4.71
Div. Yield
5.0%
PEG Ratio
P/S Ratio
EV/EBITDA
ROE
ROA
Gross Margin
Op. Margin
Net Margin
Debt/Equity
Current Ratio

Current vs 5-Year Average

Based on 5 years of SEC filings
Net Margin
↑ +2.1pp avg —
Gross Margin
↑ +2.1pp avg —
Operating Margin
↑ +2.1pp avg —
Return on Equity
↑ +2.1pp avg —
Debt / Equity
↑ +2.1pp avg —

Revenue & Net Income

EPS & Free Cash Flow Per Share

Financial Statements

Metric FY22 FY23 FY24
Revenue $X.XB $X.XB $X.XB
Gross Profit $X.XB $X.XB $X.XB
Operating Income $X.XB $X.XB $X.XB
Net Income $X.XB $X.XB $X.XB
EBITDA $X.XB $X.XB $X.XB
Total Assets $X.XB $X.XB $X.XB
Total Liabilities $X.XB $X.XB $X.XB
Data sourced from SEC EDGAR and Polygon.io. Methodology. View more Financial Services stocks →

BayFirst Financial Corp. - Common Stock — Fundamental Analysis Summary

BayFirst Financial Corp. - Common Stock (BAFN) is trading 84% below its Graham Number of $40.23 — a significant margin of safety by Benjamin Graham's standard. The stock carries a low trailing P/E ratio of 2.4x.

On financial health, BAFN shows a weak Piotroski F-Score of 3/9, a signal of deteriorating financial health, and negative return on equity of -22.1% (sector average: 4.9%), and high leverage with a debt-to-equity ratio of 14.00.

StockPik's composite Value Score for BAFN is 50/100 — an above-average value rating. The score is built from ten fundamental signals: P/E, P/B, PEG ratio, P/S ratio, return on equity, gross margin, debt-to-equity, current ratio, dividend yield, and Piotroski F-Score.

BAFN shows earnings declining at 282%.

BAFN pays a high dividend yield of 5.0%.

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How is the Value Score calculated?
Read our full methodology →
What is the margin of safety?
How to calculate the margin of safety using the Graham Number, and what counts as a good margin of safety →
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