BayFirst Financial Corp. (BAFN)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 124 | 56 | 58 | 79 | 80 | 64 | 30 | - |
| Operating profit | $m | -31 | -81 | ||||||
| Net profit | $m | 13 | 25 | -0 | 6 | 13 | -23 | -60 | - |
| EPS reported | $ | -5.91 | -14.90 | ||||||
| Operating cashflow per share | $ | 69.10 | 36.08 | ||||||
| Capex per share | $ | 0.07 | 0.01 | ||||||
| FCF per share | $ | 69.02 | 36.07 | ||||||
| Free cash flow | $m | 285 | 148 | ||||||
| Net debt | $m | -199 | -207 | ||||||
| Book value equity | $m | 88 | 116 | ||||||
| Book value per share | $ | 21.15 | 28.29 | ||||||
| Number of shares | m | 4.14 | 4.1 | ||||||
| DPS (TTM paid) | $ | 0.16 | 0.38 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | - | - | ||||||
| P/B LTM | x | 0.37 | 0.28 | ||||||
| P/S LTM | x | 0.51 | 1.08 | ||||||
| P/FCF LTM | x | 0.11 | 0.22 | ||||||
| EV/EBITDA LTM | x | 7.08 | 2.02 | ||||||
| EV/Sales LTM | x | -1.48 | -1.42 | ||||||
| Earnings Yield LTM | % | -70.77% | -2.14% | ||||||
| FCF Yield | % | +879.27% | +456.01% | ||||||
| Quality | |||||||||
| ROE | % | -26.19% | -63.67% | ||||||
| ROIC | % | -19.91% | -41.50% | ||||||
| Operating margin | % | -29.59% | -1.25% | ||||||
| Gross margin | % | +38.00% | -18.14% | ||||||
| FCF/Sales | % | +273.53% | +226.78% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | - | - | ||||||
| Sales Growth YoY | % | -20.23% | -62.62% | ||||||
| Net Income Growth YoY | % | - | - | ||||||
| FCF Growth | % | -26.71% | -61.99% | ||||||
| Operating Profit Growth | % | - | - | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +4.42% | 0.00% | ||||||
| Dividend Growth | % | -50.00% | +17.59% | ||||||
| Payout Ratio | % | -5.86% | -2.51% | ||||||
| FCF/Debt | x | 13.69 | 7.92 | ||||||
| Net Debt/EBITDA | x | 8.57 | 1.58 | ||||||
| EBIT/Net interest | x | -0.77 | -2.32 | ||||||
| Net debt/market cap | % | +23.31% | +21.36% | ||||||
| Net debt/Equity | x | -2.28 | -1.78 | ||||||
| Gross debt/equity | x | 0.24 | 0.16 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Founded in 1999 and headquartered in Saint Petersburg, Florida, BayFirst Financial Corp. functions as the parent entity for First Home Bank. This financial institution offers a comprehensive array of commercial and consumer banking solutions for both businesses and individual clients. Its product portfolio includes various deposit accounts such as checking, savings, and certificates of deposit. Borrowers can access a range of home financing options, including residential mortgages, home equity loans, and home equity lines of credit. For businesses, specialized lending programs are available, encompassing minority lending initiatives, PPP loan forgiveness services, SBA loans, and general commercial lending. Furthermore, the company provides treasury management, merchant services, online banking, investment products, and credit cards. As of January 26, 2022, BayFirst Financial Corp. operated seven full-service branch locations across Florida in St. Petersburg, Seminole, Pinellas Park, Clearwater, Sarasota, Tampa, and Belleair Bluffs, alongside 23 mortgage loan production offices. The firm adopted its current name in May 2021, having previously operated as First Home Bancorp, Inc.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
BayFirst Financial Corp. (BAFN)
No price history available.
Not enough data to calculate KvantraRank
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Founded in 1999 and headquartered in Saint Petersburg, Florida, BayFirst Financial Corp. functions as the parent entity for First Home Bank. This financial institution offers a comprehensive array of commercial and consumer banking solutions for both businesses and individual clients. Its product portfolio includes various deposit accounts such as checking, savings, and certificates of deposit. Borrowers can access a range of home financing options, including residential mortgages, home equity loans, and home equity lines of credit. For businesses, specialized lending programs are available, encompassing minority lending initiatives, PPP loan forgiveness services, SBA loans, and general commercial lending. Furthermore, the company provides treasury management, merchant services, online banking, investment products, and credit cards. As of January 26, 2022, BayFirst Financial Corp. operated seven full-service branch locations across Florida in St. Petersburg, Seminole, Pinellas Park, Clearwater, Sarasota, Tampa, and Belleair Bluffs, alongside 23 mortgage loan production offices. The firm adopted its current name in May 2021, having previously operated as First Home Bancorp, Inc.
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