Upturn unsubscribed user
$1.14/ day, billed weekly
Cancel anytime
(Ad-Free, Unlimited access)​
NO CREDIT CARD REQUIRED
BAFN
Upturn stock ratingUpturn stock rating

Bayfirst Financial Corp (BAFN)

Upturn stock ratingUpturn stock rating
$14.2
Last Close (24-hour delay)
upturn advisory
PASS
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
  • MONTH
  • WEEK

Upturn Advisory Summary

06/18/2025: BAFN (1-star) is currently NOT-A-BUY. Pass it for now.

Upturn Star Rating

ratingratingratingratingrating

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 stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 2.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/18/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 62.55M USD
Price to earnings Ratio 6.45
1Y Target Price -
Price to earnings Ratio 6.45
1Y Target Price -
Volume (30-day avg) 6287
Beta 0.08
52 Weeks Range 10.96 - 19.65
Updated Date 06/18/2025
52 Weeks Range 10.96 - 19.65
Updated Date 06/18/2025
Dividends yield (FY) 2.12%
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 6.45
Forward PE -
Enterprise Value 54984760
Price to Sales(TTM) 0.78
Enterprise Value 54984760
Price to Sales(TTM) 0.78
Enterprise Value to Revenue 1.49
Enterprise Value to EBITDA -
Shares Outstanding 4129030
Shares Floating 3613518
Shares Outstanding 4129030
Shares Floating 3613518
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 -

ai summary icon Upturn AI SWOT

Bayfirst Financial Corp

stock logo

Company Overview

overview logo History and Background

Bayfirst Financial Corp is a bank holding company. Specific founding year and detailed milestones require more granular, up-to-date research beyond publicly available data. The company likely evolved from a community bank to a larger financial institution.

business area logo Core Business Areas

  • Commercial Banking: Provides lending, deposit, and treasury management services to businesses.
  • Retail Banking: Offers deposit accounts, personal loans, and other services to individual customers.
  • Government Lending: Specializes in lending programs backed by government agencies like the SBA.

leadership logo Leadership and Structure

Information regarding the leadership team and organizational structure requires specific research, and is not easily or publicly retrievable in a parseable way. A typical bank holding company structure involves a board of directors, executive management, and various departmental heads.

Top Products and Market Share

overview logo Key Offerings

  • Commercial Loans: Loans to businesses for working capital, equipment, and real estate. Market share data is not readily available without specific market reports. Competitors include other regional and national banks like Bank of America (BAC) and Truist Financial (TFC).
  • SBA Loans: Loans guaranteed by the Small Business Administration. This is a specialized area where Bayfirst may have a stronger position. Market share requires industry reports. Competitors: Live Oak Bancshares (LOB), and other SBA lenders.
  • Deposit Accounts: Checking, savings, and money market accounts for businesses and individuals. Market share depends on geographic location. Competitors: Large national banks, regional banks, and credit unions.

Market Dynamics

industry overview logo Industry Overview

The banking industry is highly regulated and competitive, with factors such as interest rates, economic growth, and regulatory changes influencing performance. Digital banking and fintech are increasingly impacting the competitive landscape.

Positioning

Bayfirst likely operates as a regional or community bank, focusing on relationship banking and serving local businesses. Its competitive advantage might be personalized service or specialization in government-backed lending.

Total Addressable Market (TAM)

TAM is the entire revenue opportunity available for a product or service. Banks participate in a TAM which spans the entire economy; Bayfirst's position relative to this TAM is small, especially compared to national and even regional banks.

Upturn SWOT Analysis

Strengths

  • Strong customer relationships
  • Specialization in SBA lending
  • Local market knowledge
  • Experienced management team

Weaknesses

  • Limited geographic reach
  • Smaller capital base compared to larger banks
  • Dependence on local economy
  • Brand awareness

Opportunities

  • Expansion into new markets
  • Increased digital banking adoption
  • Partnerships with fintech companies
  • Growth in government lending programs

Threats

  • Rising interest rates
  • Increased competition from online lenders
  • Economic downturn
  • Regulatory changes

Competitors and Market Share

competitor logo Key Competitors

  • BAC
  • TFC
  • LOB
  • FITB

Competitive Landscape

Bayfirst likely competes on customer service and local market knowledge, while larger banks offer more products and services. Specialization in government lending may give Bayfirst an edge.

Major Acquisitions

N/A

  • Year: 0
  • Acquisition Price (USD millions): 0
  • Strategic Rationale: No publically available data on significant acquisitions

Growth Trajectory and Initiatives

Historical Growth: Historical growth trends can be determined by analyzing past financial statements.

Future Projections: Future growth projections are typically based on analyst estimates, which are not available without specific financial data resources.

Recent Initiatives: Recent strategic initiatives would be found in company press releases and investor presentations.

Summary

Bayfirst Financial Corp is likely a smaller regional bank specializing in serving local businesses and government-backed lending. It may have strengths in customer service and SBA loans. Its smaller size and limited reach are challenges. Like any bank, they have to be aware of Interest rates and regional economics.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • SEC Filings
  • Company Website
  • Industry Reports
  • AI Analysis

Disclaimers:

This analysis is based on publicly available information and AI analysis. Financial data and market share figures are estimates and may not be entirely accurate. This is not financial advice.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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.