Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Valuation
Upturn AI SWOT - About
Bayfirst Financial Corp (BAFN)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
08/28/2025: 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 08/28/2025 |
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, is a bank holding company for First Home Bank. Founded in 2007, it offers traditional banking services with a focus on serving small businesses and individuals. It has grown organically and through strategic acquisitions.
Core Business Areas
- Commercial Banking: Provides lending and deposit services to small and medium-sized businesses.
- Residential Mortgage Lending: Offers mortgage products to individuals purchasing or refinancing homes.
- Treasury Services: Includes online banking, cash management, and other financial services for businesses.
- Government Guaranteed Lending: Offers SBA and USDA lending solutions.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other executive officers. The organizational structure is typical of a bank holding company, with various departments reporting to senior management.
Top Products and Market Share
Key Offerings
- SBA Loans: Provides SBA 7(a) loans to small businesses. Market share data is variable and dependent on region and year. Competitors include Live Oak Bank, Celtic Bank, and other regional and national banks with SBA lending programs. Revenue data is not publicly available.
- Commercial Real Estate Loans: Offers financing for commercial real estate properties. Market share data is variable and dependent on region and year. Competitors include Truist, Wells Fargo and local credit unions. Revenue data is not publicly available.
- Residential Mortgages: Offers conventional, FHA, and VA home loans. The market share is regional. Competitors include Rocket Mortgage, United Wholesale Mortgage and Wells Fargo. Revenue data is not publicly available.
Market Dynamics
Industry Overview
The banking industry is highly competitive and regulated. Factors such as interest rates, economic conditions, and regulatory changes impact performance.
Positioning
BayFirst Financial Corp. positions itself as a community-focused bank with expertise in small business lending. Its competitive advantage lies in its personalized service and local market knowledge.
Total Addressable Market (TAM)
The total addressable market consists of all potential customers for banking and financial services within the bank's geographic footprint, estimated to be in the billions of dollars. BayFirst Financial Corp is positioned to capture a share through targeted marketing and relationship building.
Upturn SWOT Analysis
Strengths
- Strong focus on community banking
- Expertise in SBA lending
- Experienced management team
- Strong customer relationships
Weaknesses
- Smaller size compared to national banks
- Limited geographic presence
- Reliance on interest rate spread
- Concentration in specific loan types
Opportunities
- Expansion into new markets
- Increased demand for SBA loans
- Technological advancements
- Strategic acquisitions
Threats
- Increased competition from larger banks
- Economic downturn
- Regulatory changes
- Rising interest rates
Competitors and Market Share
Key Competitors
- WAL
- TCBI
- FFWM
- CASH
Competitive Landscape
BayFirst Financial Corp competes with regional and national banks. Its advantages include a community focus and personalized service. Disadvantages include smaller size and limited resources.
Major Acquisitions
No acquisitions found.
- Year: 2023
- Acquisition Price (USD millions): 0
- Strategic Rationale: To drive growth and expand services, BayFirst Financial Corp continually seeks acquisitions and partnerships.
Growth Trajectory and Initiatives
Historical Growth: Historical growth can be assessed by analyzing past financial statements and key performance indicators.
Future Projections: Future projections rely on analyst estimates and management guidance.
Recent Initiatives: This requires monitoring company announcements, press releases, and investor presentations.
Summary
BayFirst Financial Corp. is a community-focused bank specializing in small business lending. The bank is positioned to increase TAM through target marketing and relationships, however they remain a smaller sized bank in comparison to the national banks. This bank has strengths in community banking, SBA lending and experienced management. Some weaknesses of this bank are smaller size compared to the national banks, limited geogrpahic presence, concentration in specific loan types.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It should not be considered financial advice. Market share percentages are estimates.
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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.