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Upturn AI SWOT - About
Bayfirst Financial Corp (BAFN)
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Upturn Advisory Summary
10/24/2025: 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.
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 10/24/2025 |
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 |
Upturn AI SWOT
Bayfirst Financial Corp
Company Overview
History and Background
Bayfirst Financial Corp., founded in 1999, operates as the holding company for First Home Bank. Initially focused on residential mortgages, it has diversified into commercial banking, government lending, and treasury management services.
Core Business Areas
- Commercial Banking: Provides a range of commercial banking products and services, including business loans, lines of credit, and deposit accounts to small and medium-sized businesses.
- Government Lending: Specializes in SBA lending, particularly 7(a) and 504 loans, serving businesses nationwide. This segment is a core revenue driver.
- Treasury Management: Offers cash management solutions, including online banking, remote deposit capture, and lockbox services, to help businesses manage their finances efficiently.
- Residential Mortgages: Provides residential mortgage loan services.
Leadership and Structure
Anthony N. Leo serves as the Chief Executive Officer. The company has a traditional corporate structure with a Board of Directors overseeing management.
Top Products and Market Share
Key Offerings
- Revenue: Unable to provide a revenue estimate for this specific product alone.
- SBA 7(a) Loans: A popular government-backed loan program for small businesses. Market share data varies but Bayfirst is a significant player in Florida. Competitors include Live Oak Bank, Newtek Small Business Finance, and Celtic Bank.
- Commercial Real Estate Loans: Provides loans for the purchase, refinance, or construction of commercial real estate. Competitive landscape includes regional banks like Fifth Third Bank and Truist.
- Market Share: Unable to provide a market share estimate for this specific product alone.
- Market Share: Unable to provide a market share estimate for this specific product alone.
- Treasury Management Services: Offerings include online banking, remote deposit capture, and lockbox services to help businesses manage their finances. Competitors include large national banks such as Bank of America and Wells Fargo.
Market Dynamics
Industry Overview
The banking industry is currently facing a challenging environment with rising interest rates, increased regulatory scrutiny, and heightened competition. Fintech companies are also disrupting traditional banking models.
Positioning
Bayfirst is positioned as a community-focused bank with a strong emphasis on SBA lending. Its competitive advantage lies in its expertise in government-guaranteed loan programs and personalized service.
Total Addressable Market (TAM)
The TAM for small business lending is substantial, estimated to be in the hundreds of billions of dollars annually. Bayfirst is positioned to capture a portion of this market through its SBA lending expertise and regional presence.
Upturn SWOT Analysis
Strengths
- Strong SBA lending expertise
- Experienced management team
- Solid customer relationships
- Diversified revenue streams
- Community-focused approach
Weaknesses
- Smaller size compared to larger national banks
- Limited geographic footprint
- Reliance on SBA programs can create cyclical risk
- Potential for regulatory compliance burdens
- Higher cost of deposits
Opportunities
- Expansion into new markets
- Increased adoption of digital banking technologies
- Growing demand for SBA loans
- Strategic acquisitions
- Partnerships with fintech companies
Threats
- Rising interest rates
- Increased competition from larger banks and fintech companies
- Economic downturn
- Changes in SBA lending regulations
- Credit risk
Competitors and Market Share
Key Competitors
- LIVB
- ONB
- FFWM
- CADE
Competitive Landscape
Bayfirst faces competition from larger national banks with greater resources and smaller regional banks with established local presence. Its advantage lies in its SBA lending expertise and personalized customer service. They need to continue investing in technology to compete with Fintech companies.
Growth Trajectory and Initiatives
Historical Growth: Analysis of historical growth requires access to historical financial data. Please refer to their SEC filings for specific data.
Future Projections: Future projections require access to analyst estimates. Please refer to financial news sources for specific data.
Recent Initiatives: Recent initiatives require tracking of company announcements and press releases. Please refer to their official website for information.
Summary
Bayfirst Financial Corp is a community-focused bank specializing in SBA lending. Its strength lies in its expertise in government-guaranteed loan programs and customer relationships. However, its smaller size and limited geographic footprint pose challenges against larger competitors. Bayfirst should focus on leveraging technology and expanding its market reach to sustain growth and remain competitive.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Market Research Reports
- Financial News Sources
Disclaimers:
The information provided is for informational purposes only and should not be considered as financial advice. Market share data is estimated and may not be precise. Financial data requires verification from official company filings. Analyst estimates are subject to change.
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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