BayFirst Financial Corp. (BAFN)

US — Financial Services Sector
Peers: TECTP  OPHC  MDBH  KFFB  TCBS  STLE  MBBC  HFBL  ICMB  PBBK 

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Key Metrics & Ratings

  • symbol BAFN
  • Rev/Share 28.3416
  • Book/Share 21.7171
  • PB 0.3741
  • Debt/Equity 0.0178
  • CurrentRatio 0.0
  • ROIC -0.0543

 

  • MktCap 33449609.0
  • FreeCF/Share 78.6949
  • PFCF 0.1029
  • PE -3.138
  • Debt/Assets 0.0012
  • DivYield 0.0394
  • ROE -0.1021

 

  • Rating C+
  • Score 2
  • Recommendation Sell
  • P/E Score 1
  • DCF Score 5
  • P/B Score 1
  • D/E Score 3

Recent Analyst Ratings

Type Ticker Analyst Firm Previous Rating Current Rating Previous Price Target Current Price Target Date
No ratings available.

News

BayFirst Incurs Loss in Q3, Exits SBA Lending Amid Shakeup
BAFN
Published: November 05, 2025 by: Zacks Investment Research
Sentiment: Positive

BAFN incurred a loss of $4.66 per share in Q3 2025 due to heavy restructuring and SBA loan exits. Management targets profitability recovery and balance-sheet stability by 2026.

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image for news BayFirst Incurs Loss in Q3, Exits SBA Lending Amid Shakeup
BayFirst Financial Corp. (BAFN) Q3 2025 Earnings Call Transcript
BAFN
Published: October 31, 2025 by: Seeking Alpha
Sentiment: Neutral

BayFirst Financial Corp. ( BAFN ) Q3 2025 Earnings Call October 31, 2025 9:00 AM EDT Company Participants Thomas Zernick - CEO & Director Scott McKim - Executive VP & CFO Robin Oliver - President, COO & Director Conference Call Participants Ross Haberman - Rlh Investments, LLC Presentation Operator Good morning, ladies and gentlemen, and welcome to the BayFirst Financial Corp. Q3 2025 Conference Call and webcast. [Operator Instructions] This call is being recorded on Friday, October 31, 2025.

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image for news BayFirst Financial Corp. (BAFN) Q3 2025 Earnings Call Transcript
BayFirst Downgraded to Neutral on Profit, Credit Concerns
BAFN
Published: September 26, 2025 by: Zacks Investment Research
Sentiment: Negative

BAFN's downgrade rating reflects rising credit costs, sustained net losses and capital pressures despite solid deposit growth, SBA lending leadership, and continued technology investments.

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image for news BayFirst Downgraded to Neutral on Profit, Credit Concerns
BAFN Stock Slides 15% on Q2 Loss, Interest Income Up Y/Y
BAFN
Published: August 04, 2025 by: Zacks Investment Research
Sentiment: Negative

BayFirst Financial incurs a Q2 loss as elevated expenses pressured margins, despite growth in loan interest income.

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image for news BAFN Stock Slides 15% on Q2 Loss, Interest Income Up Y/Y
BayFirst Incurs Loss in Q1 as Loan Sales Decline, Stock Down 6%
BAFN
Published: April 30, 2025 by: Zacks Investment Research
Sentiment: Neutral

BAFN incurs a first-quarter 2025 loss due to lower loan sale gains and elevated credit costs, while focusing on growing core deposits and conventional lending.

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image for news BayFirst Incurs Loss in Q1 as Loan Sales Decline, Stock Down 6%
Zacks Initiates Coverage of BayFirst With Outperform Recommendation
BAFN
Published: April 16, 2025 by: Zacks Investment Research
Sentiment: Positive

Find out why Zacks has given BayFirst an "Outperform" rating, being the first on Wall Street to initiate coverage on the stock. Explore how tech innovation, regional growth and strong earnings tailwinds position it as a standout in community banking.

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image for news Zacks Initiates Coverage of BayFirst With Outperform Recommendation

About BayFirst Financial Corp. (BAFN)

  • IPO Date 2021-01-08
  • Website https://www.firsthomebank.com
  • Industry Banks - Regional
  • CEO Thomas G. Zernick
  • Employees 305

BayFirst Financial Corp. operates as the bank holding company for First Home Bank that provides commercial and consumer banking services for businesses and individuals. The company offers checking and savings accounts, and certificates of deposit. It also provides home loans, including residential mortgages, home equity loans, and home equity lines of credit; and business lending services comprising minority lending programs, PPP loan forgiveness services, SBA loans, and commercial lending services. In addition, the company offers treasury management, merchant, online, and investment services; and credit cards. As of January 26, 2022, it operated seven full-service office locations in St. Petersburg, Seminole, Pinellas Park, Clearwater, Sarasota, Tampa, and Belleair Bluffs, Florida; and 23 mortgage loan production offices. The company was formerly known as First Home Bancorp, Inc. and changed its name to BayFirst Financial Corp. in May 2021. BayFirst Financial Corp. was founded in 1999 and is headquartered in Saint Petersburg, Florida.