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BAFN vs V

BAFN
BayFirst Financial Corp.
BEARISH
Price
$6.70
Market Cap
$27.7M
Sector
Financial Services
AI Confidence
85%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
BAFN
--
V
28.35
Forward P/E
BAFN
--
V
20.79
P/B Ratio
BAFN
0.37
V
15.09
P/S Ratio
BAFN
0.47
V
14.08
EV/EBITDA
BAFN
--
V
20.06

Profitability

Gross Margin
BAFN
0.0%
V
97.78%
Operating Margin
BAFN
2665.2%
V
68.3%
Profit Margin
BAFN
-18.15%
V
50.23%
ROE
BAFN
-11.14%
V
53.95%
ROA
BAFN
-0.83%
V
18.36%

Growth

Revenue Growth
BAFN
--
V
14.6%
Earnings Growth
BAFN
--
V
17.4%

Financial Health

Debt/Equity
BAFN
--
V
0.55
Current Ratio
BAFN
--
V
1.11
Quick Ratio
BAFN
--
V
0.72

Dividends

Dividend Yield
BAFN
4.78%
V
0.89%
Payout Ratio
BAFN
17.49%
V
22.91%

AI Verdict

BAFN BEARISH

The Advanced Deterministic Scorecard reveals a critically weak financial health with a Piotroski F-Score of just 2/9, indicating severe operational and balance sheet deterioration. Despite a low Price/Book of 0.37 and a 4.78% dividend yield, the company is unprofitable with a -18.15% profit margin and negative ROE of -11.14%, undermining valuation appeal. The technical trend is deeply bearish at 0/100, consistent with a 1-year price decline of -55.8% and no analyst coverage, signaling market disregard. Absence of Altman Z-Score and key financials like debt/equity and cash flow further heightens uncertainty, suggesting potential distress risk.

Strengths
Low Price/Book ratio of 0.37 suggests potential undervaluation relative to book value
Dividend yield of 4.78% is attractive in current market environment
Low Price/Sales ratio of 0.47 may indicate market pessimism priced in
Risks
Piotroski F-Score of 2/9 indicates very weak financial health and high risk of continued underperformance
Negative profit margin (-18.15%) and ROE (-11.14%) reflect ongoing unprofitability
Operating margin of 2665.20% is an extreme outlier, likely due to data error or one-time event, undermining reliability
V BULLISH

V shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (50.2% margin)
Strong ROE of 54.0%
Risks
Premium vs Graham Number ($69.32)

Compare Another Pair

BAFN vs V: Head-to-Head Comparison

This page compares BayFirst Financial Corp. (BAFN) and Visa Inc. (V) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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