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.
Bayfirst |
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
 |  |
Strong Buy
Market Performance | Solid | Details | |
Volatility | Not too volatile | Details | |
Hype Condition | Under hyped | Details | |
Current Valuation | Undervalued | Details | |
Odds Of Distress | Very Low | Details | |
Economic Sensitivity | Almost mirrors the market | Details | |
Investor Sentiment | Excited | Details | |
Analyst Consensus | Not Available | Details | |
Financial Strenth (F Score) | Healthy | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
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 Corp | 2024-12-31 | 29.0 | Susquehanna International Group, Llp | 2024-09-30 | 0.0 | Royal Bank Of Canada | 2024-09-30 | 0.0 | Gator Capital Management, Llc | 2024-09-30 | 0.0 | Morgan Stanley - Brokerage Accounts | 2024-12-31 | 0.0 | Honkamp Krueger Financial Services Inc | 2024-12-31 | 0.0 | Graham Capital Wealth Management, Llc | 2024-12-31 | 0.0 | Banc Funds Co Llc | 2024-12-31 | 150.3 K | First Manhattan Co. Llc | 2024-12-31 | 139 K | Vanguard Group Inc | 2024-12-31 | 66.4 K | Salzhauer Michael | 2024-12-31 | 55.1 K |
Bayfirst Financial Cash Flow Accounts
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 (projected) | ||
| Change In Cash | (55.2M) | 54.3M | (43.7M) | (7.7M) | (6.9M) | (6.6M) | |
| Free Cash Flow | (110.8M) | 87.9M | 432.2M | 447.2M | 514.3M | 540.0M | |
| Other Non Cash Items | (118.0M) | 69.0M | 427.5M | 446.2M | 513.2M | 538.8M | |
| Dividends Paid | 1.8M | 2.1M | 2.1M | (2.3M) | (2.6M) | (2.5M) | |
| Capital Expenditures | 3.0M | 13.3M | 8.1M | 7.6M | 8.7M | 9.2M | |
| Net Income | 12.7M | 24.6M | 5.5M | 5.9M | 6.8M | 5.7M | |
| End Period Cash Flow | 55.4M | 109.7M | 66.0M | 58.4M | 67.1M | 36.3M | |
| Depreciation | 5.1M | 4.7M | 5.0M | 6.8M | 7.8M | 4.2M | |
| Investments | 2.0K | (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 Jones | 1.15 | |
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 |
| Fundamentals | Bayfirst Financial | Peer Average |
| Return On Equity | 0.12 | -0.31 |
| Return On Asset | 0.0105 | -0.14 |
| Profit Margin | 0.15 % | (1.27) % |
| Operating Margin | 0.47 % | (5.51) % |
| Current Valuation | 32.01 M | 16.62 B |
| Shares Outstanding | 4.13 M | 571.82 M |
| Shares Owned By Insiders | 15.10 % | 10.09 % |
| Shares Owned By Institutions | 13.66 % | 39.21 % |
| Number Of Shares Shorted | 10.31 K | 4.71 M |
| Price To Earning | 2.61 X | 28.72 X |
| Price To Book | 0.78 X | 9.51 X |
| Price To Sales | 0.92 X | 11.42 X |
| Revenue | 75.74 M | 9.43 B |
| Gross Profit | 83.77 M | 27.38 B |
| EBITDA | 5.92 M | 3.9 B |
| Net Income | 5.92 M | 570.98 M |
| Cash And Equivalents | 74.35 M | 2.7 B |
| Cash Per Share | 18.45 X | 5.01 X |
| Total Debt | 20.96 M | 5.32 B |
| Book Value Per Share | 23.03 X | 1.93 K |
| Cash Flow From Operations | 454.8 M | 971.22 M |
| Short Ratio | 1.54 X | 4.00 X |
| Earnings Per Share | 2.64 X | 3.12 X |
| Number Of Employees | 299 | 18.84 K |
| Beta | 0.93 | -0.15 |
| Market Capitalization | 76.79 M | 19.03 B |
| Total Asset | 1.12 B | 29.47 B |
| Retained Earnings | 34.4 M | 9.33 B |
| Annual Yield | 0.02 % | |
| Net Asset | 1.12 B | |
| Last Dividend Paid | 0.32 |
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.
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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 Sectors module to list of equity sectors categorizing publicly traded companies based on their primary business activities.
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 | 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.