BayFirst Financial Corp.
General ticker "BAFN" information:
- Sector: Financials
- Industry: Banks
- Capitalization: $59.5M (TTM average)
BayFirst Financial Corp. does not follow the US Stock Market performance with the rate: -31.0%.
Estimated limits based on current volatility of 0.5%: low 7.91$, high 8.00$
Factors to consider:
- Company pays dividends (quarterly): last record date 2025-06-01, amount 0.08$ (Y4.05%)
- Total employees count: 306 (+4.8%) as of 2023
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Economic downturns and volatility, Regulatory and compliance, Interest rate fluctuations, Liquidity and credit risks, Operational and conduct risks
- Current price 37.3% below estimated low
- Earnings for 18 months up through Q2 (+1 year) exceed 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 2023-12-31 to 2025-12-30
- 2023-12-31 to 2024-12-30 estimated range: [11.60$, 17.07$]
- 2024-12-30 to 2025-12-30 estimated range: [12.60$, 18.60$]
Financial Metrics affecting the BAFN estimates:
- Positive: with PPE of 10.7 at the end of fiscal year the price was very low
- Positive: 7.86 < Operating profit margin, % of 9.32
- Positive: Operating cash flow per share per price, % of 877.01 > 13.24
- Positive: Industry operating cash flow per share per price (median), % of 13.14 > 10.33
- Negative: Shareholder equity ratio, % of 9.01 <= 18.93
- Positive: -2.95 < Return on assets ratio (scaled to [-100,100]) of 0.53
- Positive: Inventory ratio change, % of 0 <= 0
- Negative: Investing cash flow per share per price, % of -1236.61 <= -14.38
Short-term BAFN quotes
Long-term BAFN plot with estimates
Financial data
| YTD | 2021-12-31 | 2022-12-31 | 2023-12-31 |
|---|---|---|---|
| Operating Revenue | $58.50MM | $61.55MM | $86.19MM |
| Operating Expenses | $46.78MM | $54.51MM | $78.15MM |
| Operating Income | $11.72MM | $7.04MM | $8.03MM |
| Interest Expense | $7.30MM | $8.57MM | $32.09MM |
| Income(Loss) | $11.72MM | $7.04MM | $8.03MM |
| Taxes | $2.69MM | $1.56MM | $2.12MM |
| Other Income(Loss) | $15.59MM | $-5.83MM | $-0.21MM |
| Profit(Loss)* | $40.21MM | $-6.18MM | $5.49MM |
| Stockholders Equity | $96.29MM | $91.88MM | $100.71MM |
| Assets | $917.10MM | $938.89MM | $1,117.77MM |
| Operating Cash Flow | $495.39MM | $440.25MM | $454.80MM |
| Capital expenditure | $13.12MM | $8.06MM | $7.58MM |
| Investing Cash Flow | $207.62MM | $-510.61MM | $-641.28MM |
| Financing Cash Flow | $-648.66MM | $26.67MM | $178.82MM |
| Earnings Per Share** | $10.58 | $-1.52 | $1.34 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.