BAFN
BEARISH
$6.7
Live
BayFirst Financial Corp. · NASDAQ
$5.72
52W Range
$19.75
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Jan 24, 2026
Market cap
$27.7M
P/E
N/A
ROE
-11.1%
Profit margin
-18.2%
Debt/Equity
N/A
Dividend yield
4.78%
AI Analysis
AI-powered fundamental assessment
Confidence
85%
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.
Key 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
Payout ratio of 17.49% is sustainable if earnings stabilize
Recent 1-week price increase of +11.1% shows short-term momentum
Key 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
No Altman Z-Score available, increasing uncertainty about bankruptcy risk
Severe lack of data (missing P/E, debt/equity, cash flow, analyst targets) limits confidence in analysis
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
36
Weak
55
20
30
15
60
AI Verdict
High-risk, distressed profile with insufficient data to support investment
Key drivers: Piotroski F-Score of 2/9, Negative profitability metrics, Missing Altman Z-Score and key financials, Bearish technical trend, Lack of analyst coverage
Confidence
80%
Value
55/100
Ref P/E, PEG, Graham Number
Positives
- Price/Book of 0.37 is well below sector average
- Price/Sales of 0.47 suggests potential undervaluation
Watchpoints
- No P/E or forward P/E due to unprofitability
- Graham Number and Intrinsic Value unavailable
Future
20/100
Ref Growth rates
Positives
No standout positives identified.
Watchpoints
- No revenue or earnings growth data available
- No analyst estimates or target prices
- No quarterly earnings surprise history
Past
30/100
Ref Historical trends
Positives
- Recent 1-week gain of +11.1% shows short-term rebound
Watchpoints
- 5-year price change of -54.2%
- 1-year return of -55.8% indicates prolonged underperformance
Health
15/100
Ref Altman Z-Score, Piotroski F-Score
Positives
No standout positives identified.
Watchpoints
- Piotroski F-Score of 2/9 indicates weak financial health
- ROE of -11.14% and ROA of -0.83% show capital inefficiency
- No Altman Z-Score, Debt/Equity, or liquidity ratios available
Dividend
60/100
Ref Yield, Payout
Positives
- Dividend yield of 4.78% is above market average
- Payout ratio of 17.49% is low and sustainable if earnings stabilize
Watchpoints
- Dividend Strength score of 55/100 indicates moderate risk
- No 5-year average yield or ex-dividend date available
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$6.7
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for BAFN and closest competitors.
Updated 2026-01-23
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
BAFN
BayFirst Financial Corp.
Primary
|
-54.2% | -61.2% | -55.8% | -53.8% | -14.2% | +11.1% |
|
MIGI
Mawson Infrastructure Group Inc.
Peer
|
-99.5% | -92.5% | -43.0% | -72.2% | +94.4% | +89.2% |
|
GSIW
Garden Stage Limited
Peer
|
-99.1% | -99.1% | -77.5% | -33.8% | -21.4% | +9.7% |
|
BTM
Bitcoin Depot Inc.
Peer
|
-96.6% | -96.7% | -70.3% | -90.4% | -49.9% | +8.7% |
|
CIF
MFS Intermediate High Income Fund
Peer
|
-0.7% | +34.8% | +8.2% | -0.1% | +0.9% | -1.2% |
BAF
BayFirst Financial Corp.
Primary
5Y
-54.2%
3Y
-61.2%
1Y
-55.8%
6M
-53.8%
1M
-14.2%
1W
+11.1%
MIG
Mawson Infrastructure Group Inc.
Peer
5Y
-99.5%
3Y
-92.5%
1Y
-43.0%
6M
-72.2%
1M
+94.4%
1W
+89.2%
GSI
Garden Stage Limited
Peer
5Y
-99.1%
3Y
-99.1%
1Y
-77.5%
6M
-33.8%
1M
-21.4%
1W
+9.7%
BTM
Bitcoin Depot Inc.
Peer
5Y
-96.6%
3Y
-96.7%
1Y
-70.3%
6M
-90.4%
1M
-49.9%
1W
+8.7%
CIF
MFS Intermediate High Income Fund
Peer
5Y
-0.7%
3Y
+34.8%
1Y
+8.2%
6M
-0.1%
1M
+0.9%
1W
-1.2%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
N/A
Forward P/E
N/A
PEG Ratio
N/A
P/B Ratio
0.37
P/S Ratio
0.47
EV/Revenue
-0.09
EV/EBITDA
N/A
Market Cap
$27.7M
Profitability
Profit margins and return metrics
Profit Margin
-18.15%
Operating Margin
2665.2%
Gross Margin
N/A
ROE
-11.14%
ROA
-0.83%
Growth
Revenue and earnings growth rates
Revenue Growth
N/A
Earnings Growth
N/A
Q/Q Revenue Growth
N/A
Q/Q Earnings Growth
N/A
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$29.16
Quarterly Earnings History
EPS performance vs analyst estimates
2026-01-29
$N/A
Financial Services Sector Comparison
Comparing BAFN against 820 companies in the Financial Services sector
(141 bullish, 351 neutral, 328 bearish)
Return on Equity (ROE)
-11.14%
This Stock
vs
-0.73%
Sector Avg
+1420.7%
(Excellent)
Profit Margin
-18.15%
This Stock
vs
91.62%
Sector Avg
-119.8%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
BAFN
BayFirst Financial Corp.
|
BEARISH | $27.7M | - | -11.1% | -18.2% | $6.7 | |
|
MIGI
Mawson Infrastructure Group Inc.
|
BEARISH | $26.88M | - | -% | -59.5% | $4.9 | Compare |
|
GSIW
Garden Stage Limited
|
BEARISH | $26.57M | - | -56.3% | -93.2% | $18.81 | Compare |
|
BTM
Bitcoin Depot Inc.
|
BEARISH | $26.38M | - | -% | -1.0% | $2.37 | Compare |
|
CIF
MFS Intermediate High Income Fund
|
NEUTRAL | $29.18M | 11.64 | 7.7% | 78.2% | $1.63 | Compare |
BAFN
BayFirst Financial Corp.
BEARISH
Mkt Cap
$28M
P/E
-
ROE
-11.1%
Price
$6.7
Past News Coverage
Recent headlines mentioning BAFN from our newsroom.
Newest → oldest
No matching news yet.