B

    Bayfirst Financial Corp (BAFN)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $6.50
    -0.11 (-1.66%)

    Market Cap: $178.22M

    Last updated: Sep 01, 2026 at 10:00 AM ET

    Earnings

    PeriodReportedEst.SurpriseB/MYoY
    Jun 26
    		$-8.05N/AN/ABeat-1949.4%
    Mar 26
    		$-1.48N/AN/ABeat-749.0%
    Dec 25
    		$-1.09N/AN/ABeat-148.0%
    Sep 25
    		$-4.66N/AN/ABeat-2664.2%
    Jun 25
    		$-0.39N/AN/ABeat-438.3%
    Mar 25
    		$-0.17N/AN/ABeat-263.6%
    Dec 24
    		$2.27N/AN/ABeat+455.8%
    Sep 24
    		$0.18N/AN/ABeat-36.6%
    Jun 24
    		$0.12N/AN/ABeat-27.4%
    Mar 24
    		$0.11N/AN/ABeat-77.4%
    Sep 23
    		$0.41N/AN/ABeat-42.5%
    Jun 23
    		$0.29N/AN/ABeat+856.0%
    Mar 23
    		$0.16$0.00N/ABeat+420.0%
    Dec 22
    		$0.47$0.00N/ABeat+80.8%
    Sep 22
    		$0.71$0.00N/ABeat-76.2%
    Jun 22
    		$0.03N/AN/ABeat-88.4%
    Mar 22
    		$-0.05N/AN/ABeat-101.7%
    Dec 21
    		$0.26N/AN/ABeat-85.9%
    Sep 21
    		$2.98N/AN/ABeat+123.9%
    Jun 21
    		$0.26N/AN/ABeat-81.2%
    Mar 21
    		$2.98$0.00N/ABeat+373.5%
    Dec 20
    		$1.84N/AN/ABeat+1020.0%
    Sep 20
    		$1.33N/AN/ABeat+1164.2%
    Jun 20
    		$1.37N/AN/ABeat+242.3%
    Mar 20
    		$0.63N/AN/ABeat-
    Dec 19
    		$-0.20$0.00N/AMiss-
    Sep 19
    		$0.11$0.00N/ABeat-
    Jun 19
    		$0.40$0.00N/ABeat-

    Dividends

    Dividend Metrics

    Yield0.00%
    Annual/Share$0.00
    Payout Ratio0.00%
    Frequency4
    View BAFN's full dividend history

    Key Metrics

    Valuation
    P/E Ratio-0.43EV/EBITDAN/A
    Price/FCF1.18xFCF Yield84.67%
    Profitability
    Profit Margin0.00%Operating Margin164.70%
    ROE-52.40%ROIC8.31%
    Financial Health
    Debt/Equity0.06xInterest Coverage0.31x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta0.38Avg Volume29.42K
    52-Week High$11.3452-Week Low$4.26

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$7.02
    SMA 20$6.68
    SMA 50$6.00
    SMA 200$6.68
    EMA 10$6.84
    EMA 20$6.68
    EMA 50$6.34
    EMA 200$7.25

    MACD

    Line: 0.24Signal: 0.29Hist: -0.06

    ADX

    ADX: 50.8+DI: 26.0-DI: 17.7

    Aroon & PSAR

    Aroon Up84.0
    Aroon DownN/A
    PSAR$7.78

    Bollinger Bands

    Upper Band$7.62
    Lower Band$5.74
    %B Position2820%(Upper)
    Band Width0.41

    RSI (14-Day)

    Neutral
    48.9

    Momentum Oscillators

    Stoch %K32.8
    Stoch %D47.4
    Williams %R-73.6
    ROC (10d)6.6%
    Momentum0.40
    CCI (20d)-25.8
    MFI (14d)42.2

    Volatility Measures

    ATR (14d)$0.51(7.9%)
    StdDev (20d)0.47
    Hist Vol73.5%(High)

    Volume Flow

    VWAP$6.51
    OBV-562.0K
    AD Line-3099796999.0B
    CMF (20d)0.003

    Volume Metrics

    Avg Vol (20d)28.6K
    Vol Ratio1.2x
    VWMA (20d)$6.74

    Pivot Points

    R3$7.26
    R2$6.98
    R1$6.80
    Pivot Point$6.52
    S1$6.34
    S2$6.06
    S3$5.88

    Advanced Oscillators

    TSI17.06
    Ultimate Osc58.3
    KST179.02

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$2.61M$10.32M$11.05M$10.23M$22.66M$19.10M$32.93M$21.72M$20.84M$23.01M$23.57M$23.07M
    Cost of RevenueN/A$7.99M$11.80M$21.29M$17.42M$14.09M$15.65M$15.12M$14.24M$14.50M$12.71M$12.23M
    Gross ProfitN/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$0
    Operating IncomeN/A$-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$20.95M$21.65M$22.28M$20.30M$21.75M$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$-7,966,000$-2,822,000$-25,896,000$-2,477,000$-1,275,000$13.05M$1.53M$1.23M$1.18M$2.37M$2.64M
    Income Tax Expense$-11,375,000$-2,036,000$-359,000$-6,994,000$-623,000$-337,000$3.27M$398,000$349,000$296,000$704,000$674,000
    Net Income$-32,665,000$-5,930,000$-2,463,000$-18,902,000$-1,854,000$-938,000$9.78M$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

    BayFirst Financial Corp. SEC Filing (Aug 25, 2026)

    BayFirst Financial Corp. (NASDAQ: BAFN) filed an EFFECT statement with the SEC, indicating the effectiveness of its S-1 registration statement as of August 24, 2026, at 9:00 A.M. This filing is categorized as neutral in impact and sentiment according to AI-generated analysis. The document provides details on the company's CIK and file numbers and links to the original filing on SEC EDGAR.

    Stock Titan•8/25/26•
    Neutral

    BayFirst Financial (BAFN) Q2 2026 Earnings Call Transcript

    BayFirst Financial reported a Q2 2026 net loss of $32.7 million, primarily due to a $41.5 million asset resolution plan expense related to legacy SBA 7(a) loans. The company has exited the SBA 7(a) lending business, completed an $80 million capital raise, and is focusing on community banking in the Tampa Bay and Sarasota markets. Management also addressed restatements of prior financial periods and outlined strategies for future growth and profitability, including a new Chief Banking Officer and a rights offering for shareholders.

    The Globe and Mail•8/21/26•
    Bearish

    BayFirst Q2 Loss Widens Y/Y on Asset Resolution Costs

    BayFirst Financial Corp. (BAFN) reported a significantly widened net loss of $8.05 per share in Q2 2026, primarily due to $41.5 million in asset resolution costs. Despite a decrease in net interest income and deposits, the company highlighted a shift towards relationship-based community banking, a successful $80 million capital raise, and an improved Tier 1 leverage ratio. Management anticipates improved core earnings and growth opportunities moving forward.

    TradingView•8/20/26•
    Somewhat-Bearish

    BayFirst (BAFN) insiders own 57% of stock as 2026 vote nears

    BayFirst Financial Corp. (BAFN) will hold its virtual Annual Meeting on September 22, 2026, to elect 12 directors and vote on a possible adjournment. Key shareholders include Kenneth R. Lehman, who owns 42.38% of shares, while directors and named executive officers as a group hold 56.56% of outstanding shares. The proxy statement details executive compensation, incentive plans, related-party transactions, and auditor fees.

    Stock Titan•8/20/26•
    Neutral

    St. Pete bank revamps C-suite in first moves of financial turnaround

    BayFirst Bank has initiated a financial turnaround following an $80 million recapitalization deal earlier this year. The new CEO has begun this process by restructuring the C-suite and announcing plans for a new branch in South Tampa. These moves aim to revitalize the St. Pete bank's operations.

    The Business Journals•8/20/26•
    Bullish

    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, yield, and streaks.
    What is BAFN's market cap?
    Bayfirst Financial Corp (BAFN) has a market capitalization of $178.22M with a current stock price of $6.50.

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