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Upturn AI SWOT - About
Bayfirst Financial Corp (BAFN)
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Upturn Advisory Summary
06/18/2025: BAFN (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
0 Analysts rated it
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Year Target Price $0
Year Target Price $0
| 0 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Under performing |
| 0 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit -13.07% | Avg. Invested days 34 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/18/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 59.00M USD | Price to earnings Ratio 6.08 | 1Y Target Price - |
Price to earnings Ratio 6.08 | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 0.08 | 52 Weeks Range 11.39 - 19.65 | Updated Date 06/29/2025 |
52 Weeks Range 11.39 - 19.65 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 2.26% | Basic EPS (TTM) 2.35 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 14.28% | Operating Margin (TTM) -0.81% |
Management Effectiveness
Return on Assets (TTM) 0.94% | Return on Equity (TTM) 10.87% |
Valuation
Trailing PE 6.08 | Forward PE - | Enterprise Value 51433796 | Price to Sales(TTM) 0.74 |
Enterprise Value 51433796 | Price to Sales(TTM) 0.74 | ||
Enterprise Value to Revenue 1.49 | Enterprise Value to EBITDA - | Shares Outstanding 4129030 | Shares Floating 3519170 |
Shares Outstanding 4129030 | Shares Floating 3519170 | ||
Percent Insiders 15.38 | Percent Institutions 14.82 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Bayfirst Financial Corp
Company Overview
History and Background
Bayfirst Financial Corp, a bank holding company, provides financial services to individuals and businesses. Founded in 1999, it operates through its subsidiary, BayFirst National Bank. Bayfirst has focused on serving local communities and specializes in government guaranteed lending programs.
Core Business Areas
- Commercial Banking: Offers a range of commercial banking products and services, including commercial loans, lines of credit, and deposit accounts to businesses of all sizes.
- Government Guaranteed Lending: Specializes in SBA lending, USDA lending, and other government-sponsored lending programs. Offers expertise in navigating the complex regulations and requirements of these programs.
- Retail Banking: Provides retail banking services such as checking and savings accounts, mortgages, and personal loans to individuals and families.
Leadership and Structure
Anthony N. Leo is the CEO. The company is structured as a bank holding company with BayFirst National Bank as its primary subsidiary. The leadership team comprises experienced banking professionals with a focus on commercial and SBA lending.
Top Products and Market Share
Key Offerings
- SBA 7(a) Loans: Offers SBA 7(a) loans to small businesses for various purposes, including working capital, equipment purchases, and real estate acquisition. BayFirst is a leading SBA lender in its region. Competitors: Live Oak Bank, Celtic Bank, Huntington National Bank.
- Commercial Real Estate Loans: Provides commercial real estate loans for the acquisition, refinancing, and development of commercial properties. Competitors: Truist, Wells Fargo, Bank of America.
- Commercial and Industrial Loans: Provides commercial and industrial loans (C&I) for working capital, equipment financing, and other business needs. Competitors: JP Morgan Chase, Regions, Synovus.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes, interest rate fluctuations, and economic conditions. Consolidation within the industry is ongoing. There is a strong emphasis on technology and digital banking services.
Positioning
Bayfirst Financial Corp positions itself as a specialist in SBA lending and commercial banking in the Florida region. Its competitive advantage lies in its expertise in government guaranteed lending programs and its personalized service approach.
Total Addressable Market (TAM)
The TAM for community banking and SBA lending is estimated to be hundreds of billions of dollars annually. Bayfirst Financial Corp is positioned to capture a share of this market through its specialization and regional focus.
Upturn SWOT Analysis
Strengths
- Strong expertise in SBA and USDA lending
- Experienced management team
- Focus on personalized service
- Strong relationships with local businesses
Weaknesses
- Limited geographic presence
- Smaller size compared to larger national banks
- Reliance on government programs can create concentration risk.
Opportunities
- Expansion into new markets
- Growth in SBA lending activity
- Increased demand for digital banking services
- Strategic acquisitions
Threats
- Increased competition from larger banks and fintech companies
- Changes in government regulations and lending programs
- Economic downturn affecting loan demand and credit quality
- Rising interest rates
Competitors and Market Share
Key Competitors
- LIVB
- CABB
- HBAN
Competitive Landscape
Bayfirst Financial Corp competes with larger regional and national banks. Its competitive advantage lies in its specialization in SBA lending and its focus on personalized service, which allows it to differentiate itself from larger competitors. However, its smaller size limits its geographic reach and resources.
Growth Trajectory and Initiatives
Historical Growth: Historical growth data should be accessed via public filings. Please refer to their public financial filings and investor relation websites to fill this data.
Future Projections: Future Projections data should be accessed via public filings. Please refer to their public financial filings and investor relation websites to fill this data.
Recent Initiatives: Recent initiatives should be accessed via public filings. Please refer to their public financial filings and investor relation websites to fill this data.
Summary
BayFirst Financial Corp demonstrates strengths in SBA and government-backed lending and is strategically positioned in Florida. Its smaller size and limited geographic reach pose challenges. The company could benefit from expanding its digital banking services and selectively pursuing acquisitions. Continued success relies on navigating a competitive landscape and potential regulatory changes.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- Analyst Estimates
Disclaimers:
The information provided is for informational purposes only and should not be construed as financial advice. Market share data is based on estimates and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Bayfirst Financial Corp
Exchange NASDAQ | Headquaters St. Petersburg, FL, United States | ||
IPO Launch date 2019-11-20 | CEO & Director Mr. Thomas G. Zernick | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 305 | |
Full time employees 305 | |||
BayFirst Financial Corp. operates as the bank holding company for BayFirst National Bank that provides community banking services for small and medium sized businesses and individuals. The company offers checking, savings, negotiable order of withdrawal, and money market deposit accounts, as well as certificates of deposit and individual retirement accounts; and safety deposit boxes. It also provides commercial real estate mortgages; construction and development, working capital, and business loans; auto, boat, and recreational vehicle loans; and residential mortgages, personal lines of credit, and home equity lines of credit. In addition, the company offers internet, mobile and online banking, lock box services, remote capture and deposit, treasury management, wire transfers, cash management, merchant processing, remote deposit capture, night depositor, online bill payment, courier, retail investment, ACH originations, and other services. It operates full-service banking centers in Pinellas, Hillsborough, Manatee, and Sarasota counties, Florida. The company was formerly known as First Home Bancorp, Inc. and changed its name to BayFirst Financial Corp. in May 2021. BayFirst Financial Corp. was founded in 1999 and is headquartered in St. Petersburg, Florida.
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