Bayfirst Financial Corp (BAFN)

FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

$6.33

+1.09 (+20.67%)

Market Cap: $140.21M

Last updated: Oct 16, 2026 at 1:54 PM ET

Earnings

Period	Reported	Est.	Range	Surprise	B/M	Analysts	Revisions	YoY
Jun 30, 2026Jun 26 Reported Aug 13, 2026Reported Aug 13	$-8.05	N/A	-	N/A	Beat	-	-	-1949.4%
Mar 31, 2026Mar 26 Reported Apr 30, 2026Reported Apr 30	$-1.48	N/A	-	N/A	Beat	-	-	-749.0%
Dec 31, 2025Dec 25 Reported Jan 29, 2026Reported Jan 29	$-1.09	N/A	-	N/A	Beat	-	-	-148.0%
Sep 30, 2025Sep 25 Reported Oct 30, 2025Reported Oct 30	$-4.66	N/A	-	N/A	Beat	-	-	-2664.2%
Jun 30, 2025Jun 25 Reported Jul 29, 2025Reported Jul 29	$-0.39	N/A	-	N/A	Beat	-	-	-438.3%
Mar 31, 2025Mar 25 Reported Apr 24, 2025Reported Apr 24	$-0.17	N/A	-	N/A	Beat	-	-	-263.6%
Dec 31, 2024Dec 24 Reported Jan 30, 2025Reported Jan 30	$2.27	N/A	-	N/A	Beat	-	-	+455.8%
Sep 30, 2024Sep 24 Reported Sep 30, 2024Reported Sep 30	$0.18	N/A	-	N/A	Beat	-	-	-36.6%
Jun 30, 2024Jun 24 Reported Jul 25, 2024Reported Jul 25	$0.12	N/A	-	N/A	Beat	-	-	-27.4%
Mar 31, 2024Mar 24 Reported Apr 25, 2024Reported Apr 25	$0.11	N/A	-	N/A	Beat	-	-	-77.4%
Sep 30, 2023Sep 23 Reported Sep 30, 2023Reported Sep 30	$0.41	N/A	-	N/A	Beat	-	-	-42.5%
Jun 30, 2023Jun 23 Reported Jul 27, 2023Reported Jul 27	$0.29	N/A	-	N/A	Beat	-	-	+856.0%
Mar 31, 2023Mar 23 Reported Apr 27, 2023Reported Apr 27	$0.16	$0.00	-	N/A	Beat	-	-	+420.0%
Dec 31, 2022Dec 22 Reported Jan 26, 2023Reported Jan 26	$0.47	$0.00	-	N/A	Beat	-	-	+80.8%
Sep 30, 2022Sep 22 Reported Oct 28, 2022Reported Oct 28	$0.71	$0.00	-	N/A	Beat	-	-	-76.2%
Jun 30, 2022Jun 22 Reported Jul 27, 2022Reported Jul 27	$0.03	N/A	-	N/A	Beat	-	-	-88.4%
Mar 31, 2022Mar 22 Reported Apr 28, 2022Reported Apr 28	$-0.05	N/A	-	N/A	Beat	-	-	-101.7%
Dec 31, 2021Dec 21 Reported Jan 26, 2022Reported Jan 26	$0.26	N/A	-	N/A	Beat	-	-	-85.9%
Sep 30, 2021Sep 21 Reported Nov 12, 2021Reported Nov 12	$2.98	N/A	-	N/A	Beat	-	-	+123.9%
Jun 30, 2021Jun 21 Reported Sep 30, 2021Reported Sep 30	$0.26	N/A	-	N/A	Beat	-	-	-81.2%
Mar 31, 2021Mar 21 Reported Jun 30, 2021Reported Jun 30	$2.98	$0.00	-	N/A	Beat	-	-	+373.5%
Dec 31, 2020Dec 20 Reported Mar 31, 2021Reported Mar 31	$1.84	N/A	-	N/A	Beat	-	-	+1020.0%
Sep 30, 2020Sep 20 Reported Dec 31, 2020Reported Dec 31	$1.33	N/A	-	N/A	Beat	-	-	+1164.2%
Jun 30, 2020Jun 20 Reported Sep 30, 2020Reported Sep 30	$1.37	N/A	-	N/A	Beat	-	-	+242.3%
Mar 31, 2020Mar 20 Reported Jun 29, 2020Reported Jun 29	$0.63	N/A	-	N/A	Beat	-	-	-
Dec 31, 2019Dec 19 Reported Mar 30, 2020Reported Mar 30	$-0.20	$0.00	-	N/A	Miss	-	-	-
Sep 30, 2019Sep 19 Reported Dec 31, 2019Reported Dec 31	$0.11	$0.00	-	N/A	Beat	-	-	-
Jun 30, 2019Jun 19 Reported Sep 30, 2019Reported Sep 30	$0.40	$0.00	-	N/A	Beat	-	-	-

Dividends

Dividend Metrics

Forward Yield0.00%

Forward Annual Dividend$0.00

Payout Ratio0.00%

FrequencyQuarterly

Key Metrics

Valuation
P/E Ratio	-0.41	EV/EBITDA	N/A
Price/FCF	1.15x	FCF Yield	86.88%
Profitability
Profit Margin	0.00%	Operating Margin	164.70%
ROE	-52.40%	ROIC	-49.53%
Financial Health
Debt/Equity	0.06x	Interest Coverage	0.31x
Current Ratio	N/A	Quick Ratio	N/A
Trading Statistics
Beta	0.46	Avg Volume	192.47K
52-Week High	$10.18	52-Week Low	$4.26

Technical Indicators Dashboard

Moving Averages

SMA 10$6.38

SMA 20$7.06

SMA 50$7.17

SMA 200$6.59

EMA 10$6.18

EMA 20$6.69

EMA 50$6.91

EMA 200$7.18

MACD

Line: -0.51Signal: -0.30Hist: -0.21

ADX

ADX: 26.4+DI: 26.0-DI: 27.6

Aroon & PSAR

Aroon Up20.0

Aroon Down92.0

PSAR$7.69

Bollinger Bands

Upper Band$9.58

Lower Band$4.53

%B Position7154%(Upper)

Band Width0.36

RSI (14-Day)

Neutral

45.5

Momentum Oscillators

Stoch %K20.9

Stoch %D10.5

Williams %R-57.0

ROC (10d)-13.8%

Momentum-1.01

CCI (20d)-76.4

MFI (14d)47.4

Volatility Measures

ATR (14d)$0.74(11.6%)

StdDev (20d)1.26

Hist Vol143.2%(High)

Volume Flow

VWAP$6.00

OBV-24.8K

AD Line-3099796999.0B

CMF (20d)0.177

Volume Metrics

Avg Vol (20d)183.3K

Vol Ratio1.0x

VWMA (20d)$7.68

Pivot Points

R3$5.49

R2$5.40

R1$5.32

Pivot Point$5.23

S1$5.15

S2$5.06

S3$4.98

Advanced Oscillators

TSI-18.46

Ultimate Osc45.3

KST-149.54

Financial Data

Quarter	Jun 2026	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023
Total Revenue	$2.61M	$10.32M	$10.58M	$10.23M	$22.66M	$19.10M	$30.39M	$21.72M	$20.84M	$23.01M	$23.57M	$23.07M
Cost of Revenue	N/A	$7.99M	$11.80M	$21.29M	$17.42M	$14.09M	$15.65M	$15.12M	$14.24M	$14.50M	$12.71M	$12.23M
Gross Profit	N/A	$9.45M	$9.05M	$-3,954,000	$13.32M	$14.31M	$15.98M	$16.64M	$15.88M	$17.23M	$18.10M	$18.09M

Operating Expenses	$17.68M	$14.89M	$11.87M	$25.21M	$17.53M	$15.81M	$15.34M	$17.06M	$16.61M	$17.77M	$18.47M	$17.43M
R&D	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
SG&A	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Operating Income	N/A	$-8,515,000	$-2,822,000	$-25,896,000	$-1,649,000	$-463,000	$13.05M	$1.53M	$1.23M	$1.18M	$2.37M	$2.64M

Interest Income	$16.36M	$17.43M	$20.76M	$21.65M	$22.28M	$20.30M	$20.81M	$21.44M	$20.43M	$19.19M	$18.85M	$17.62M
Interest Expense	$6.94M	$7.99M	$9.79M	$10.37M	$10.16M	$9.69M	$11.10M	$11.99M	$11.24M	$10.45M	$9.98M	$9.23M
Income Before Tax	$-44,040,000	$-7,966,000	$-4,199,000	$-25,896,000	$-2,477,000	$-1,275,000	$9.84M	$1.53M	$1.23M	$1.18M	$2.37M	$2.64M
Income Tax Expense	$-11,375,000	$-2,036,000	$-711,000	$-6,994,000	$-623,000	$-337,000	$2.48M	$398,000	$349,000	$296,000	$704,000	$674,000

Net Income	$-32,665,000	$-5,930,000	$-3,488,000	$-18,902,000	$-1,854,000	$-938,000	$7.36M	$1.14M	$866,000	$824,000	$1.66M	$1.92M

EBITDA	$-40,704,000	$-6,026,000	$874,000	$-24,214,000	$-22,000	$1.40M	$17.24M	$2.67M	$2.60M	$572,000	$4.04M	$2.15M
EBIT	$-44,040,000	$-7,966,000	$-4,199,000	$-25,896,000	$-2,477,000	$-1,275,000	$9.84M	$1.53M	$1.23M	$1.18M	$2.37M	$2.64M

* Some calculated fields are derived from available data when not provided by source

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News

Form 13D/A BayFirst Financial Corp For: 14 October By Investing.com

This article is a brief financial filing notification from Investing.com, announcing a Form 13D/A filing for BayFirst Financial Corp. The filing date is stated as October 14...

Investing.com Nigeria•Oct 14, 2026 3:11 AM ET10/14/26•Neutral

A director acquired 749,535 BayFirst Financial (BAFN) shares and reported his total stake.

Kenneth R. Lehman, a director at BayFirst Financial Corp. (BAFN), acquired 749,535 common shares on October 8, 2026, through a rights offering, increasing his beneficial ownership to 12,249,535 shares...

Stock Titan•Oct 13, 2026 10:13 PM ET10/13/26•Somewhat-Bullish

Form 4 BayFirst Financial Corp. For: Oct 08 Filed by: Politis Christos

This Form 4 filing indicates that Christos Politis, a Director at BayFirst Financial Corp. (BAFN), acquired 43,711 shares of common stock on October 8, 2026, at a price of $3.5 per share. The transaction...

StreetInsider•Oct 13, 2026 8:07 AM ET10/13/26•Neutral

Form 4 BayFirst Financial Corp. For: Oct 08 Filed by: Saravanos Anthony

This SEC Form 4 filing indicates that Anthony Saravanos, a Director of BayFirst Financial Corp. (BAFN), acquired 57,159 shares of common stock at a price of $3.50 on October 8...

StreetInsider•Oct 13, 2026 8:05 AM ET10/13/26•Neutral

BAFN: BayFirst Financial Corp Latest Stock Price, Analysis, News and Trading Ideas

BayFirst Financial Corp (BAFN) is showing bullish sentiment and technical indicators suggest a potential breakout. Key levels for investors include a bull trigger at $7.50/$8.00 with targets up to $14.50...

Stocktwits•Oct 4, 2026 4:59 AM ET10/4/26•Bullish

BAFN Valuation and Fair Value

P/E: -0.4x
P/FCF: 1.2x
P/B: 6.7x

See GNG's fair value

BAFN Profitability: Margins, ROIC and FCF

Operating margin: 164.7%
Net margin: 0.0%
ROIC: -49.5%
ROE: -52.4%
FCF margin: 439.7%
FCF yield: 86.9%

BAFN Competitors

Company	Ticker
Oxford Square Capital Corp	OXSQ
Lake Shore Bancorp Inc	LSBK
Andretti Acquisition Corp. II Class A Ordinary Shares	POLE
Inflection Point Acquisition Corp. III Class A Ordinary Shares	IPCX
Finwise Bancorp	FINW
SR Bancorp, Inc. Common stock	SRBK
BankFinancial Corporation	BFIN
Centurion Acquisition Corp.	ALF

Sector: Financial Services

BAFN Bull Case vs Bear Case

Bull case

BAFN converts 439.7% of revenue into free cash flow.
BAFN beat EPS estimates in 87.5% of its last 8 reported quarters.

Bear case

BAFN's quarterly revenue changed -52.7% year over year.

BAFN Earnings: Beat Rate and Next Report

Beat rate: 7 of 8 quarters (87.5%)

BAFN Dividend

Forward yield: 0.0%
Payout ratio: 0.0%

Frequently Asked Questions About BAFN

Does BAFN pay dividends?

Bayfirst Financial Corp (BAFN) has a dividend payment track record. See the BAFN dividend history page for its current payment status, TTM yield, and recorded payments.

What is BAFN's market cap?

Bayfirst Financial Corp (BAFN) has a market capitalization of $140.21M with a current stock price of $6.33.

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