Bayfirst Financial Valuation
| BAFN Stock | USD 18.60 0.40 2.11% |
At this time, the firm appears to be overvalued. Bayfirst Financial Corp shows a prevailing Real Value of $17.57 per share. The current price of the firm is $18.6. Our model approximates the value of Bayfirst Financial Corp from analyzing the firm fundamentals such as Current Valuation of 36.6 M, profit margin of 0.15 %, and Return On Equity of 0.12 as well as examining its technical indicators and probability of bankruptcy. Key fundamental drivers impacting Bayfirst Financial's valuation include:
Overvalued
Today
Please note that Bayfirst Financial's price fluctuation is not too volatile at this time. Calculation of the real value of Bayfirst Financial Corp is based on 3 months time horizon. Increasing Bayfirst Financial's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Since Bayfirst Financial is currently traded on the exchange, buyers and sellers on that exchange determine the market value of Bayfirst Stock. However, Bayfirst Financial's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 18.6 | Real 17.57 | Hype 19.0 | Naive 19.43 |
The intrinsic value of Bayfirst Financial's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, news, and other external factors that may influence Bayfirst Financial's stock price. It is important to note that the real value of any stock may change over time based on changes in the company's performance.
Estimating the potential upside or downside of Bayfirst Financial Corp helps investors to forecast how Bayfirst stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Bayfirst Financial more accurately as focusing exclusively on Bayfirst Financial's fundamentals will not take into account other important factors: Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use Bayfirst Financial's intrinsic value based on its ongoing forecasts of Bayfirst Financial's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against Bayfirst Financial's closest peers.
Bayfirst Financial Cash |
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Bayfirst Valuation Trend
Knowing Bayfirst Financial's actual value is paramount for traders when making sound investment determinations. Using both Bayfirst Financial's enterprise value as well as its market capitalization is the best way to estimate the value of the company and is usually enough for investors to make market timing decisions.
Bayfirst Financial Total Value Analysis
Bayfirst Financial Corp is currently forecasted to have valuation of 36.6 M with market capitalization of 78.53 M, debt of 20.96 M, and cash on hands of 74.35 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the Bayfirst Financial fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
36.6 M | 78.53 M | 20.96 M | 74.35 M |
Bayfirst Financial Investor Information
About 15.0% of the company shares are held by company insiders. The company has price-to-book (P/B) ratio of 0.82. Some equities with similar Price to Book (P/B) outperform the market in the long run. Bayfirst Financial Corp last dividend was issued on the 28th of February 2025. The entity had 3:2 split on the 12th of May 2021. Bayfirst Financial Corp may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Operating Income | 23.5 M | 22.4 M |
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Bayfirst Financial Asset Utilization
The asset utilization indicator refers to the revenue earned for every dollar of assets a company currently reports. Bayfirst Financial has an asset utilization ratio of 6.78 percent. This suggests that the Company is making $0.0678 for each dollar of assets. An increasing asset utilization means that Bayfirst Financial Corp is more efficient with each dollar of assets it utilizes for everyday operations.Bayfirst Financial Ownership Allocation
The market capitalization of Bayfirst Financial Corp is $78.53 Million. Bayfirst Financial Corp shows 15.1 percent of its outstanding shares held by insiders and 13.66 percent owned by other corporate entities. Please take into account that even companies with profitable outlook can generate negative future returns on their equity. If the true value of the firm is less than the current market value, you may not be able generate positive returns on investment in the long run.Bayfirst Financial Profitability Analysis
The company reported the previous year's revenue of 75.74 M. Net Income was 5.92 M with profit before overhead, payroll, taxes, and interest of 83.77 M.Bayfirst Financial Past Distributions to stockholders
About Bayfirst Financial Valuation
We use absolute and relative valuation methodologies to arrive at the intrinsic value of Bayfirst Financial Corp. In general, an absolute valuation paradigm, as applied to this company, attempts to find the value of Bayfirst Financial Corp based exclusively on its fundamental and basic technical indicators. By analyzing Bayfirst Financial's financials, quarterly and monthly indicators, and their related drivers, we attempt to find the most accurate representation of Bayfirst Financial's intrinsic value. As compared to an absolute model, our relative valuation model uses a comparative analysis of Bayfirst Financial. We calculate exposure to Bayfirst Financial's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Bayfirst Financial's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 87.1 M | 91.5 M | |
| Pretax Profit Margin | 0.20 | 0.19 | |
| Operating Profit Margin | 0.34 | 0.36 | |
| Net Profit Margin | 0.15 | 0.14 |
A single share of Bayfirst Financial represents a small ownership stake in the entity. As a stockholder of Bayfirst, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
Bayfirst Financial Dividends Analysis For Valuation
At this time, Bayfirst Financial's Dividend Yield is very stable compared to the past year. As of the 24th of March 2025, Dividend Payout Ratio is likely to grow to 0.38, while Dividends Paid is likely to drop about 1.3 M. . At this time, Bayfirst Financial's Retained Earnings are very stable compared to the past year. As of the 24th of March 2025, Earnings Yield is likely to grow to 0.21, while Retained Earnings Total Equity is likely to drop about 26.8 M.
| Last Reported | Projected for Next Year | ||
| Dividends Paid | 2.6 M | 1.3 M | |
| Dividend Yield | 0.04 | 0.04 | |
| Dividend Payout Ratio | 0.36 | 0.38 | |
| Dividend Paid And Capex Coverage Ratio | 41.51 | 43.59 |
There are various types of dividends Bayfirst Financial can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of Bayfirst shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from Bayfirst Financial Corp directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When Bayfirst pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of Bayfirst Financial by the value of the dividends paid out.
Bayfirst Financial Growth Indicators
Growth stocks usually refer to those companies expected to grow sales and earnings faster than the market average. Growth stocks typically don't pay dividends, often look expensive, and usually trading at a high P/E ratio. Nevertheless, such valuations could be relatively cheap if the company continues to grow, which will drive the share price up. However, since most investors are paying a high price for a growth stock, based on expectations, if those expectations are not fully realized, growth stocks can see dramatic declines.
| Common Stock Shares Outstanding | 4.6 M | |
| Quarterly Earnings Growth Y O Y | 5.594 |
Bayfirst Financial Current Valuation Indicators
Bayfirst Financial's valuation analysis is a process of estimating the intrinsic value of all assets and outstanding equities. There are different methodologies and models we use to develop the final Bayfirst Financial's valuation. The techniques such as discounted cash flow and fundamental indicators such as book value per share or market capitalization are well known and widely used across most financial advisers and money managers.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as Bayfirst Financial, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use Bayfirst Financial's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes Bayfirst Financial's worth.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. You can also try the Portfolio Diagnostics module to use generated alerts and portfolio events aggregator to diagnose current holdings.
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.