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Bayfirst Financial Corp (BAFN)
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Upturn Advisory Summary
12/09/2025: 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 12/09/2025 |
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. (NASDAQ: BFC) is a bank holding company headquartered in Bradenton, Florida. Founded in 1996, it operates as the parent company of BayFirst National Bank. The bank has grown organically and through strategic branch expansion within its primary market of Manatee and Sarasota Counties. Key milestones include its establishment, subsequent growth of its banking operations, and its listing on the NASDAQ.
Core Business Areas
- Community Banking: BayFirst National Bank offers a comprehensive range of banking products and services to individuals and businesses. This includes deposit accounts (checking, savings, money market, CDs), commercial and consumer loans (mortgages, business loans, personal loans), and treasury management services.
- Wealth Management: The company provides wealth management services through its subsidiary, BayFirst Financial Advisors. This segment offers investment management, financial planning, and trust services to affluent individuals and institutions.
Leadership and Structure
Bayfirst Financial Corp. is led by a Board of Directors and a management team that oversees the operations of BayFirst National Bank and its subsidiaries. The specific individuals and their roles would be detailed in their annual reports and proxy statements.
Top Products and Market Share
Key Offerings
- Deposit Accounts: BayFirst offers a variety of deposit products including checking accounts, savings accounts, money market accounts, and certificates of deposit (CDs). The market share for individual deposit products is highly fragmented and competitive, with major national banks and credit unions being primary competitors.
- Commercial Loans: This includes a range of loans for businesses such as SBA loans, commercial real estate loans, and lines of credit. Competitors include other regional banks, national banks, and alternative lenders.
- Mortgage Lending: BayFirst provides residential mortgage loans. The market is characterized by intense competition from national mortgage lenders, regional banks, and specialized mortgage companies.
- Wealth Management Services: Investment advisory, financial planning, and trust services. Key competitors include large financial institutions with dedicated wealth management divisions, independent financial advisors, and robo-advisors.
Market Dynamics
Industry Overview
Bayfirst Financial Corp operates within the U.S. banking and financial services industry, specifically focusing on community banking and wealth management. The industry is characterized by a highly competitive landscape, regulatory oversight, interest rate sensitivity, and ongoing technological advancements impacting customer service and operational efficiency.
Positioning
Bayfirst Financial Corp positions itself as a community-focused financial institution offering personalized service and local expertise. Its competitive advantages lie in its strong relationships within its local markets, agility as a smaller institution, and a commitment to customer service.
Total Addressable Market (TAM)
The Total Addressable Market for community banking services in the U.S. is substantial, encompassing trillions of dollars in deposits and loans. For wealth management, the TAM is also in the trillions of dollars in assets under management. Bayfirst Financial Corp targets a specific geographic region within Florida, representing a smaller, localized TAM. Its positioning is as a significant player within its chosen geographic footprint, aiming to capture a meaningful share of the local market rather than a national one.
Upturn SWOT Analysis
Strengths
- Strong local market presence and customer relationships.
- Agile and responsive to local customer needs compared to larger banks.
- Diversified revenue streams through banking and wealth management.
- Experienced management team with local market knowledge.
Weaknesses
- Limited geographic diversification, making it susceptible to regional economic downturns.
- Smaller scale compared to national competitors, potentially limiting access to capital and technology investment.
- Brand recognition outside its core markets is low.
- Reliance on net interest margin for a significant portion of revenue.
Opportunities
- Expansion into adjacent geographic markets.
- Leveraging technology to enhance digital banking offerings and customer experience.
- Growth in wealth management services through strategic hires or acquisitions.
- Capitalizing on the demand for personalized financial advice in a complex economic environment.
Threats
- Intensifying competition from larger banks, credit unions, and fintech companies.
- Rising interest rates impacting loan demand and deposit costs.
- Cybersecurity threats and the need for continuous investment in security measures.
- Changes in banking regulations and compliance costs.
- Potential economic recession impacting loan performance and customer spending.
Competitors and Market Share
Key Competitors
- Seacoast Banking Corporation (SBCF)
- CenterState Bank Corp. (now part of SouthState Corporation - SSB)
- Synovus Financial Corp. (SNV)
Competitive Landscape
Bayfirst Financial Corp faces competition from larger regional banks with greater scale and brand recognition, as well as smaller community banks focused on similar markets. Its advantages include deep local ties and personalized service, while disadvantages can be scale, technology investment capacity, and broader product reach compared to national players.
Growth Trajectory and Initiatives
Historical Growth: Historically, Bayfirst Financial Corp's growth has been driven by expanding its branch network, increasing its loan and deposit portfolios, and developing its wealth management segment. Growth would be measured by asset growth, revenue growth, and earnings per share.
Future Projections: Future projections for Bayfirst Financial Corp would depend on analyst estimates and management's strategic plans. Factors influencing future growth include the economic outlook of its service area, the ability to attract new customers, success in cross-selling products, and strategic acquisitions or partnerships.
Recent Initiatives: Recent initiatives likely focus on digital transformation to improve customer experience, expanding product offerings in areas like small business lending or specialized mortgages, and potentially exploring geographic expansion or strategic partnerships.
Summary
Bayfirst Financial Corp is a community-focused financial institution with a strong regional presence. Its core strengths lie in its local market relationships and personalized service, complemented by a diversified offering in banking and wealth management. However, it faces challenges from larger competitors and a dynamic regulatory and economic environment. Continued investment in digital capabilities and strategic expansion opportunities will be crucial for sustained growth and maintaining its competitive edge.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company investor relations websites (for historical and current information)
- Financial news outlets and market data providers (for industry trends and competitor analysis)
- SEC filings (e.g., 10-K, 10-Q for detailed financial and operational data)
Disclaimers:
This JSON output is generated based on publicly available information and general industry knowledge. It is not intended as financial advice. Investment decisions should be made after consulting with a qualified financial advisor and conducting thorough personal research. Market share data and competitor analysis are estimates and can vary based on methodology and data sources.
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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