Bayfirst Financial Corp Stock Buy Hold or Sell Recommendation

BAFN Stock  USD 18.58  0.69  3.86%   
Given the investment horizon of 90 days and your above-average risk tolerance, our recommendation regarding Bayfirst Financial Corp is 'Strong Buy'. The recommendation algorithm takes into account all of Bayfirst Financial's available fundamental, technical, and predictive indicators you will find on this site.
  
Check out Bayfirst Financial Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool.
In addition, we conduct extensive research on individual companies such as Bayfirst and provide practical buy, sell, or hold advice based on investors' investing horizon and their risk tolerance towards 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.

Execute Bayfirst Financial Buy or Sell Advice

The Bayfirst recommendation should be used to complement the buy-or-sell advice compiled from the current analysts' consensus on Bayfirst Financial Corp. Macroaxis does not own or have any residual interests in Bayfirst Financial Corp or other equities on which the buy-or-sell advice is provided. Please provide your input below to execute Bayfirst Financial's advice using the current market data and latest reported fundamentals.

Time Horizon

Risk Tolerance

Execute Advice
Sell Bayfirst FinancialBuy Bayfirst Financial
Strong Buy

Market Performance

SolidDetails

Volatility

Not too volatileDetails

Hype Condition

Under hypedDetails

Current Valuation

UndervaluedDetails

Odds Of Distress

Very LowDetails

Economic Sensitivity

Almost mirrors the marketDetails

Investor Sentiment

ExcitedDetails

Analyst Consensus

Not AvailableDetails

Financial Strenth (F Score)

HealthyDetails

Financial Leverage

Not RatedDetails

Reporting Quality (M-Score)

Unlikely ManipulatorDetails
For the selected time horizon Bayfirst Financial Corp has a Risk Adjusted Performance of 0.1837, Jensen Alpha of 0.6782, Total Risk Alpha of 0.8996, Sortino Ratio of 0.3443 and Treynor Ratio of 0.48
Our trade advice tool can cross-verify current analyst consensus on Bayfirst Financial Corp and to analyze the company potential to grow in the current economic cycle. To make sure Bayfirst Financial is not overpriced, please confirm all Bayfirst Financial Corp fundamentals, including its gross profit, short ratio, net asset, as well as the relationship between the cash per share and market capitalization . Given that Bayfirst Financial Corp has a shares owned by institutions of 13.66 %, we suggest you to validate Bayfirst Financial Corp market performance and probability of bankruptcy to ensure the company can sustain itself in the current economic cycle given your prevailing risk tolerance and investing horizon.

Bayfirst Financial Trading Alerts and Improvement Suggestions

About 15.0% of the company shares are held by company insiders
On 16th of March 2025 Bayfirst Financial paid $ 0.08 per share dividend to its current shareholders
Latest headline from finance.yahoo.com: BayFirst Financials investors will be pleased with their favorable 86 percent return over the last five years

Bayfirst Financial Returns Distribution Density

The distribution of Bayfirst Financial's historical returns is an attempt to chart the uncertainty of Bayfirst Financial's future price movements. The chart of the probability distribution of Bayfirst Financial daily returns describes the distribution of returns around its average expected value. We use Bayfirst Financial Corp price's Value At Risk and its Upside Potential as a relative measure of the distribution. The graph of the distribution of Bayfirst Financial returns is essential to provide solid investment advice for Bayfirst Financial.
Mean Return
0.56
Value At Risk
-3.37
Potential Upside
4.61
Standard Deviation
2.77
   Return Density   
       Distribution  
Investment risk management requires an estimate of the probability of extreme price changes. Therefore, the correct representation of the distribution of Bayfirst Financial historical returns presented in an easy-to-digest graphical form helps investors and money managers understand the risk-reward trade-off of different investement strategies.

Bayfirst Stock Institutional Investors

Have you ever been surprised when a price of an equity instrument, such as Bayfirst Financial, soars without any apparent reason. This usually happens because many institutional investors are aggressively trading Bayfirst Financial Corp back and forth among themselves. Companies that invest excess capital in these types of assets may also be included in this term and can influence corporate governance by exercising voting rights in their investments.
Shares
Bank Of America Corp2024-12-31
29.0
Susquehanna International Group, Llp2024-09-30
0.0
Royal Bank Of Canada2024-09-30
0.0
Gator Capital Management, Llc2024-09-30
0.0
Morgan Stanley - Brokerage Accounts2024-12-31
0.0
Honkamp Krueger Financial Services Inc2024-12-31
0.0
Graham Capital Wealth Management, Llc2024-12-31
0.0
Banc Funds Co Llc2024-12-31
150.3 K
First Manhattan Co. Llc2024-12-31
139 K
Vanguard Group Inc2024-12-31
66.4 K
Salzhauer Michael2024-12-31
55.1 K
Note, although Bayfirst Financial's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

Bayfirst Financial Cash Flow 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 Paid1.8M2.1M2.1M(2.3M)(2.6M)(2.5M)
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 Greeks

Most traded equities are subject to two types of risk - systematic (i.e., market) and unsystematic (i.e., nonmarket or company-specific) risk. Unsystematic risk is the risk that events specific to Bayfirst Financial or Banks sector will adversely affect the stock's price. This type of risk can be diversified away by owning several different stocks in different industries whose stock prices have shown a small correlation to each other. On the other hand, systematic risk is the risk that Bayfirst Financial's price will be affected by overall stock market movements and cannot be diversified away. So, no matter how many positions you have, you cannot eliminate market risk. However, you can measure a Bayfirst stock's historical response to market movements and buy it if you are comfortable with its volatility direction. Beta and standard deviation are two commonly used measures to help you make the right decision.
α
Alpha over Dow Jones
0.68
β
Beta against Dow Jones1.15
σ
Overall volatility
2.86
Ir
Information ratio 0.24

Bayfirst Financial Volatility Alert

Bayfirst Financial Corp has relatively low volatility with skewness of 1.89 and kurtosis of 8.29. Understanding different market volatility trends often help investors to time the market. Properly using volatility indicators enable traders to measure Bayfirst Financial's stock risk against market volatility during both bullish and bearish trends. The higher level of volatility that comes with bear markets can directly impact Bayfirst Financial's stock price while adding stress to investors as they watch their shares' value plummet. This usually forces investors to rebalance their portfolios by buying different financial instruments as prices fall.

Bayfirst Financial Fundamentals Vs Peers

Comparing Bayfirst Financial's fundamentals to the average values of its peers is one of the most widely used and accepted methods of equity analyses. It helps to analyze Bayfirst Financial's direct or indirect competition across all of the common fundamentals between Bayfirst Financial and the related equities. This way, we can detect undervalued stocks with similar characteristics as Bayfirst Financial or determine the stocks which would be an excellent addition to an existing portfolio. Peer analysis of Bayfirst Financial's fundamental indicators could also be used in its relative valuation, which is a method of valuing Bayfirst Financial by comparing valuation metrics with those of similar companies.
    
 Better Than Average     
    
 Worse Than Average Compare Bayfirst Financial to competition
FundamentalsBayfirst FinancialPeer Average
Return On Equity0.12-0.31
Return On Asset0.0105-0.14
Profit Margin0.15 %(1.27) %
Operating Margin0.47 %(5.51) %
Current Valuation32.01 M16.62 B
Shares Outstanding4.13 M571.82 M
Shares Owned By Insiders15.10 %10.09 %
Shares Owned By Institutions13.66 %39.21 %
Number Of Shares Shorted10.31 K4.71 M
Price To Earning2.61 X28.72 X
Price To Book0.78 X9.51 X
Price To Sales0.92 X11.42 X
Revenue75.74 M9.43 B
Gross Profit83.77 M27.38 B
EBITDA5.92 M3.9 B
Net Income5.92 M570.98 M
Cash And Equivalents74.35 M2.7 B
Cash Per Share18.45 X5.01 X
Total Debt20.96 M5.32 B
Book Value Per Share23.03 X1.93 K
Cash Flow From Operations454.8 M971.22 M
Short Ratio1.54 X4.00 X
Earnings Per Share2.64 X3.12 X
Number Of Employees29918.84 K
Beta0.93-0.15
Market Capitalization76.79 M19.03 B
Total Asset1.12 B29.47 B
Retained Earnings34.4 M9.33 B
Annual Yield0.02 %
Net Asset1.12 B
Last Dividend Paid0.32
Note: Disposition of 238 shares by Robin Oliver of Bayfirst Financial at 15.05 subject to Rule 16b-3 [view details]

Bayfirst Financial Market Momentum

Traders often use several daily momentume indicators to supplement a more traditional technical analysis when analyzing securities such as Bayfirst . With many different options, investors must choose the best indicators for them and familiarize themselves with how they work. We suggest combining traditional momentum indicators with more near-term forms of technical analysis such as Accumulation Distribution or Daily Balance Of Power. With their quantitative nature, daily value technical indicators can also be incorporated into your automated trading systems.

About Bayfirst Financial Buy or Sell Advice

When is the right time to buy or sell Bayfirst Financial Corp? Buying financial instruments such as Bayfirst Stock isn't very hard. However, what challenging for most investors is doing it at the right time to beat the market. Proper market timing is something most people cannot do without sophisticated tools, which help to isolate the right opportunities. Macroaxis provides hands-on modules to deliver winning trades and diversify your portfolios on a daily basis. Most of our advising modules are very easy to use and apply.
Please read more on our stock advisor page.

Use Investing Ideas to Build Portfolios

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Books
Books Theme
Companies involved in publishing of books, newspapers, periodicals and other mass publications. The Books theme has 38 constituents at this time.
You can either use a buy-and-hold strategy to lock in the entire theme or actively trade it to take advantage of the short-term price volatility of individual constituents. Macroaxis can help you discover thousands of investment opportunities in different asset classes. In addition, you can partner with us for reliable portfolio optimization as you plan to utilize Books Theme or any other thematic opportunities.
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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 Bayfirst Financial Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool.
You can also try the Share Portfolio module to track or share privately all of your investments from the convenience of any device.
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.