Bayfirst Financial Financials

BAFN Stock  USD 18.60  0.40  2.11%   
Bayfirst Financial Corp may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At this time, Bayfirst Financial's Total Liabilities is very stable compared to the past year. As of the 24th of March 2025, Other Current Liabilities is likely to grow to about 10.8 M, while Short and Long Term Debt Total is likely to drop about 17.9 M. Key indicators impacting Bayfirst Financial's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio0.06760.0711
Notably Down
Slightly volatile
Operating Income23.5 M22.4 M
Sufficiently Up
Slightly volatile
Current Ratio6.466.7955
Notably Down
Slightly volatile
Investors should never underestimate Bayfirst Financial's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor Bayfirst Financial's cash flow, debt, and profitability to make informed and accurate decisions about investing in Bayfirst Financial Corp.

Net Income

4.75 Million

  
Understanding current and past Bayfirst Financial Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Bayfirst Financial's financial statements are interrelated, with each one affecting the others. For example, an increase in Bayfirst Financial's assets may result in an increase in income on the income statement.

Bayfirst Financial Stock Summary

Bayfirst Financial competes with Home Federal, LINKBANCORP, Affinity Bancshares, BayCom Corp, and Community West. BayFirst Financial Corp. operates as the bank holding company for First Home Bank that provides commercial and consumer banking services for businesses and individuals. BayFirst Financial Corp. was founded in 1999 and is headquartered in Saint Petersburg, Florida. Bayfirst Financial operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 485 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS07279B1044
CUSIP07279B104
LocationFlorida; U.S.A
Business Address700 Central Avenue,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.bayfirstfinancial.com
Phone727 440 6848
CurrencyUSD - US Dollar

Bayfirst Financial Key Financial Ratios

Bayfirst Financial Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets1.5B917.1M938.9M1.1B1.3B1.3B
Net Debt(44.1M)(98.1M)(33.6M)(42.1M)(37.9M)(36.0M)
Retained Earnings13.4M35.9M33.5M34.4M39.6M41.5M
Total Liab1.5B820.8M847.0M1.0B1.2B1.2B
Other Current Liab(2.0M)44.0M(1.7M)9.0M10.3M10.8M
Accounts Payable2.0M326K704K882K1.0M576.5K
Cash57.8M112.1M70.9M63.0M72.5M38.9M
Other Assets1.4B698.8M786.5M(3.2M)(3.7M)(3.5M)
Net Receivables7.3M3.6M4.5M7.1M8.2M8.6M
Total Current Assets65.1M146.6M112.8M58.4M52.5M91.1M
Short Term Debt1.2M44.6M6.4M10.5M9.4M8.9M
Common Stock43.0M51.5M53.0M54.5M62.7M38.4M
Long Term Debt9.7M9.3M33.8M18.3M21.1M20.4M
Other Current Assets65.1M115.6M75.4M70.2M63.1M70.6M
Net Invested Capital80.8M105.6M116.4M103.3M118.8M105.4M
Capital Stock57.7M60.8M62.3M70.3M80.8M66.0M
Intangible Assets8.2M6.6M10.9M15.0M17.2M11.4M

Bayfirst Financial Key Income Statement Accounts

202020212022202320242025 (projected)
Operating Income15.8M32.5M4.8M19.5M22.4M23.5M
Ebit24.7M35.5M10.0M(837K)(962.6K)(914.4K)
Ebitda26.1M37.2M12.0M5.9M6.8M9.9M
Income Before Tax15.8M32.5M7.0M8.0M9.2M6.7M
Net Income12.7M24.6M5.5M5.7M6.6M4.8M
Income Tax Expense3.1M7.9M1.6M2.1M2.4M2.0M
Interest Expense10.3M7.3M8.6M32.1M36.9M38.7M
Total Revenue123.8M149.6M57.8M75.7M87.1M91.5M
Gross Profit123.8M149.6M57.8M75.7M87.1M91.5M
Tax Provision3.1M7.9M1.6M2.1M2.4M2.9M
Net Interest Income33.5M40.2M29.4M36.1M41.5M31.9M
Interest Income43.7M47.5M38.0M62.2M71.5M43.8M

Bayfirst Financial Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash(55.2M)54.3M(43.7M)(7.7M)(6.9M)(6.6M)
Free Cash Flow(110.8M)87.9M432.2M447.2M514.3M540.0M
Other Non Cash Items(118.0M)69.0M427.5M446.2M513.2M538.8M
Dividends Paid1.8M2.1M2.1M2.3M2.6M1.3M
Capital Expenditures3.0M13.3M8.1M7.6M8.7M9.2M
Net Income12.7M24.6M5.5M5.9M6.8M5.7M
End Period Cash Flow55.4M109.7M66.0M58.4M67.1M36.3M
Depreciation5.1M4.7M5.0M6.8M7.8M4.2M
Investments2.0K(31.5M)(74.9M)(611.6M)(550.5M)(523.0M)

Bayfirst Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Bayfirst Financial's current stock value. Our valuation model uses many indicators to compare Bayfirst Financial value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Bayfirst Financial competition to find correlations between indicators driving Bayfirst Financial's intrinsic value. More Info.
Bayfirst Financial Corp is rated second in return on equity category among its peers. It also is rated second in return on asset category among its peers reporting about  0.09  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Bayfirst Financial Corp is roughly  11.41 . At this time, Bayfirst Financial's Return On Equity is very stable compared to the past year. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Bayfirst Financial's earnings, one of the primary drivers of an investment's value.

Bayfirst Financial Corp Systematic Risk

Bayfirst Financial's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Bayfirst Financial volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The function did not generate any output. Please change time horizon or modify your input parameters. The output start index for this execution was one with a total number of output elements of sixty. The Beta measures systematic risk based on how returns on Bayfirst Financial Corp correlated with the market. If Beta is less than 0 Bayfirst Financial generally moves in the opposite direction as compared to the market. If Bayfirst Financial Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Bayfirst Financial Corp is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Bayfirst Financial is generally in the same direction as the market. If Beta > 1 Bayfirst Financial moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Bayfirst Financial Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Bayfirst Financial's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Bayfirst Financial growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.0525

At this time, Bayfirst Financial's Price Earnings To Growth Ratio is very stable compared to the past year.

Bayfirst Financial March 24, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Bayfirst Financial help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Bayfirst Financial Corp. We use our internally-developed statistical techniques to arrive at the intrinsic value of Bayfirst Financial Corp based on widely used predictive technical indicators. In general, we focus on analyzing Bayfirst Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Bayfirst Financial's daily price indicators and compare them against related drivers.
When determining whether Bayfirst Financial Corp offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Bayfirst Financial's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Bayfirst Financial Corp Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Bayfirst Financial Corp Stock:
Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Bayfirst Financial Corp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in census.
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Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Bayfirst Financial. If investors know Bayfirst will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Bayfirst Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
5.594
Dividend Share
0.32
Earnings Share
2.64
Revenue Per Share
20.295
Quarterly Revenue Growth
0.363
The market value of Bayfirst Financial Corp is measured differently than its book value, which is the value of Bayfirst that is recorded on the company's balance sheet. Investors also form their own opinion of Bayfirst Financial's value that differs from its market value or its book value, called intrinsic value, which is Bayfirst Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Bayfirst Financial's market value can be influenced by many factors that don't directly affect Bayfirst Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Bayfirst Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if Bayfirst Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Bayfirst Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.