BayFirst Financial Corp. (BAFN) Stock

BayFirst Financial Corp. (BAFN) is a Financials stock trading at $7.40 (as of 2026-08-21), with a market capitalization of $199.52M. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

BayFirst Financial Corp., the bank holding company for First Home Bank, provides commercial and consumer banking services, including deposit accounts and certificates of deposit, home lending (residential mortgages, home equity loans, and lines of credit), and business lending and related programs. It also offers treasury management, merchant, online, and investment services, credit cards, and mortgage production through its office locations.

Understand BayFirst Financial Corp.: how it makes money

BayFirst Financial Corp. operates as the bank holding company for First Home Bank, providing checking and savings accounts and certificates of deposit, home loans (residential mortgages, home equity loans, and home equity lines of credit), and business lending (including SBA loans and commercial lending), plus treasury management, merchant, online, and investment services.

For a bank like First Home Bank, profitability is structurally driven by how it earns from lending and related banking activities (home loans and business lending) and supports that with customer deposits, with additional earnings potential from fee-based services such as treasury and merchant, online, and investment services.

Business quality (Weak): Latest-quarter profitability appears weak, with operating margin of -47.9% (2026-03-31), but the company has a diversified set of banking products and services spanning deposits, consumer and business lending, and fee-oriented service lines.

Bull case

  • Broad product set across lending and services: The company offers deposits (checking, savings, certificates of deposit), home loans (residential mortgages, home equity loans, and home equity lines of credit), business lending (including PPP loan forgiveness services, SBA loans, and commercial lending), and fee-related offerings like treasury management and merchant, online, and investment services.

Bear case

  • Profitability looks pressured in the latest reported quarter: For the period ending 2026-03-31, operating margin is -47.9%, indicating losses at the operating level in that quarter.
  • Bank results can be sensitive to loan and credit outcomes: Because the business includes residential mortgages and other lending, a key risk is that loan performance can deteriorate, which can adversely affect results.
Valuation — source: SEC EDGAR (first-party)
Price$7.40
Market Cap$199.52M
Price / Book1.72
Price / Sales2.84
FCF Yield74.4%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$80.67M
Net Margin-30.5%
Revenue Growth (YoY)-31.0%
EPS Growth (YoY)1964.1%
FCF Growth (YoY)-99.6%
Valuation vs Sector & Industry
Sector P/E (Financials)15.1
Industry P/E (Banking)13.0
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderVANGUARD GROUP INC ($1.34M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEOThomas G. Zernick
Employees305
CountryUS
IPO Date2021-01-08

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BAFN earnings history · BAFN institutional & insider holders · BAFN KPIs & operating metrics · BAFN financials · BAFN investor presentations & press releases · BAFN SEC filings · BAFN peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-21.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.