BayFirst Financial Corp.
General ticker "BAFN" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $37.3M (TTM average)
BayFirst Financial Corp. does not follow the US Stock Market performance with the rate: -26.2%.
Estimated limits based on current volatility of 7.2%: low 6.37$, high 7.36$
Factors to consider:
- Total employees count: 145 (-51.5%) as of 2025
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Liquidity and credit risks, Loan defaults, Regulatory and compliance, Cybersecurity threats, Economic downturns and volatility
- Price in estimated range
- Earnings for 6 months up through Q2 are below our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [4.76$, 9.52$]
- 2026-12-31 to 2027-12-31 estimated range: [4.02$, 7.98$]
Financial Metrics affecting the BAFN estimates:
- Negative: with PPE of -1.3 at the end of fiscal year the price was high
- Negative: negative Operating income
- Positive: Operating cash flow per share per price, % of 885.35 > 13.08
- Positive: -3.10 < Return on assets ratio (scaled to [-100,100]) of -1.73
- Positive: Industry operating cash flow per share per price (median), % of 10.78 > 10.39
- Positive: Industry earnings per price (median), % of 7.57 > 4.32
- Negative: Investing cash flow per share per price, % of -604.96 <= -14.39
Short-term BAFN quotes
Long-term BAFN plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $86.27MM | $98.50MM | $64.18MM |
| Operating Expenses | $78.24MM | $81.51MM | $95.01MM |
| Operating Income | $8.03MM | $16.99MM | $-30.83MM |
| Interest Expense | $32.09MM | $44.78MM | $40.01MM |
| Income(Loss) | $8.03MM | $16.99MM | $-30.83MM |
| Taxes | $2.12MM | $4.32MM | $-7.89MM |
| Other Income(Loss) | $-0.21MM | $-0.07MM | $0.00MM |
| Net Income(Loss)* | $5.70MM | $12.60MM | $-22.94MM |
| Stockholders Equity | $100.71MM | $110.92MM | $87.57MM |
| Assets | $1,117.77MM | $1,288.30MM | $1,300.26MM |
| Operating Cash Flow | $454.80MM | $390.53MM | $285.30MM |
| Capital expenditure | $7.58MM | $1.69MM | $0.30MM |
| Investing Cash Flow | $-641.28MM | $-515.93MM | $-194.94MM |
| Financing Cash Flow | $178.82MM | $144.80MM | $38.84MM |
| Earnings Per Share** | $1.40 | $3.05 | $-5.56 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.