Bayfirst Financial Company Leadership

BAFN Stock  USD 7.04  0.23  3.16%   
Bayfirst Financial employs about 144 people. The company is managed by 14 executives with a total tenure of roughly 336 years, averaging almost 24.0 years of service per executive, having 10.29 employees per reported executive. Analysis of Bayfirst Financial's management performance can provide insight into the firm performance.

Insider Sentiment 50

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Latest Trades

2025-05-15Derek Steven BersetDisposed @ 14.86
2025-05-01Thomas Gerard ZernickAcquired 326 @ 15.28View
Monitoring Bayfirst Financial's insider sentiment can offer insights into its future performance, as insiders often have access to more information about their company's operations, financial health, and upcoming initiatives than the general public. However, it's essential to note that insider trading is regulated by securities laws, and insiders are required to disclose their trades publicly to ensure transparency and prevent unfair advantages based on non-public information.

Acquired vs Disposed

Filed vs Not Filed

Insider sentiment refers to the collective sentiment or feeling of Bayfirst Financial's insiders - typically its officers, directors, and beneficial owners holding more than a certain percentage of the company's stock - about the future prospects of Bayfirst Financial Corp. This sentiment is often gauged based on the trading activities of these insiders. If insiders are purchasing more shares of their own company, it may be interpreted as a bullish sentiment, indicating that they believe Bayfirst Financial's stock will rise in value. Conversely, if insiders are selling shares, it might be seen as bearish, suggesting they expect the stock price to drop.
Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Bayfirst Financial Corp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in price.

Bayfirst Financial Management Team Effectiveness

The company has return on total asset (ROA) of (0.0177) % which means that it has lost $0.0177 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of (0.2311) %, meaning that it created substantial loss on money invested by shareholders. Bayfirst Financial's management efficiency ratios could be used to measure how well Bayfirst Financial manages its routine affairs as well as how well it operates its assets and liabilities. As of the 11th of February 2026, Return On Tangible Assets is likely to grow to -0.02. In addition to that, Return On Capital Employed is likely to grow to -0.03. At this time, Bayfirst Financial's Total Assets are very stable compared to the past year. As of the 11th of February 2026, Non Currrent Assets Other is likely to grow to about 52.7 M, while Non Current Assets Total are likely to drop about 49.6 M.
As of the 11th of February 2026, Common Stock Shares Outstanding is likely to grow to about 4.7 M, though Net Loss is likely to grow to (1 M). The market capitalization of Bayfirst Financial Corp is $29.88 Million. Bayfirst Financial Corp shows 15.47 percent of its outstanding shares held by insiders and 17.58 percent owned by other corporate entities. Please take into account that even companies with profitable outlook can generate negative future returns on their equity. If the true value of the firm is less than the current market value, you may not be able generate positive returns on investment in the long run.
 
Shares in Circulation  
First Issued
1987-03-31
Previous Quarter
4.1 M
Current Value
4.1 M
Avarage Shares Outstanding
6.2 M
Quarterly Volatility
M
 
Black Monday
 
Oil Shock
 
Dot-com Bubble
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid
 
Interest Hikes
Some institutional investors establish a significant position in stocks such as Bayfirst Financial in order to find ways to drive up its value. Retail investors, on the other hand, need to know that institutional holders can own millions of shares of Bayfirst Financial, and when they decide to sell, the stock will often sell-off, which may instantly impact shareholders' value. So, traders who get in early or near the beginning of the institutional investor's buying cycle could potentially generate profits.

Bayfirst Financial Workforce Comparison

Bayfirst Financial Corp is number one stock in number of employees category among its peers. The total workforce of Financials industry is currently estimated at about 654. Bayfirst Financial totals roughly 144 in number of employees claiming about 22% of equities under Financials industry.

Bayfirst Financial Profit Margins

The company has Profit Margin (PM) of (0.58) %, which may suggest that it does not properly executes on its current pricing strategies or is unable to control all of the operational costs. This is way below average. Similarly, it shows Operating Margin (OM) of (0.23) %, which suggests for every $100 dollars of sales, it generated a net operating loss of $0.23.
Current ValueLast YearChange From Last Year 10 Year Trend
Gross Profit Margin0.490.38
Significantly Up
Pretty Stable

Bayfirst Financial Insider Trading History

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Bayfirst Financial insiders, such as employees or executives, is commonly permitted as long as it does not rely on Bayfirst Financial's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases, Bayfirst Financial insiders must file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
 
Covid
 
Interest Hikes
Buy/Sell Ratio# Purchases Trades# Sales TradesTotal Shares PurchasedTotal Shares Sold
2026-03-01
0.5
4
8
 365.39 
 1,679 
2025-12-01
4.0
4
1
 323.23 
 228.00 
2025-06-01
45.0
45
1
 10,273 
 0.20 
2025-03-01
1.6667
30
18
 9,049 
 3,633 
2024-12-01
29.0
29
1
 2,654 
 1,073 
2024-03-01
4.0
40
10
 20,004 
 3,378 
2023-09-01
39.0
39
1
 3,700 
 0.00 
2023-03-01
8.4
42
5
 28,677 
 979.00 
2022-12-01
8.5
34
4
 3,914 
 9,260 
2022-09-01
32.0
32
1
 4,572 
 1,746 
2022-06-01
40.0
40
1
 5,606 
 197.00 
2022-03-01
7.4286
52
7
 26,393 
 8,128 
2021-12-01
0.3514
26
74
 3,345 
 269,120 

Bayfirst Financial Notable Stakeholders

A Bayfirst Financial stakeholder refers to an individual interested in an outcome of the business. Different stakeholders have different interests, and companies such as Bayfirst Financial often face trade-offs trying to please all of them. Bayfirst Financial's stakeholders can have a positive or negative influence on the entity's direction, and there are a lot of executives involved in getting Bayfirst Financial's stock to the level that pleases all shareholders. Keeping track of the stakeholders is a great way to stay on top of things affecting its ongoing price.
Thomas ZernickCEO DirectorProfile
Brandi JaberPresident DivisionProfile
Robin OliverPresident COOProfile
Scott McKimExecutive CFOProfile
John MacalusoExecutive CTOProfile
Thomas QualeMarket VPProfile
Nickolas SmithExecutive OfficerProfile
Nick SmithExecutive OfficerProfile
Rhonda CPAPrincipal OfficerProfile
Anthony JDCEO DirectorProfile
Matthew LuckeyChief VPProfile
Lewis BennerExecutive OfficerProfile
Brian GreenVP BankProfile
Susan KhayatExecutive OfficerProfile
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About Bayfirst Financial Management Performance

The success or failure of an entity such as Bayfirst Financial Corp often depends on how effective the management is. Bayfirst Financial management team is responsible for propelling the future growth in the right direction and administering and controlling the business activities and accounting for the results. Ineffective management usually contributes to failure in the company's future performance for all stakeholders equally, but most importantly, for investors. So it is important to measure the effectiveness of Bayfirst management before purchasing its stock. In many ways, it's all about finding the answer to one important question - Are they doing the right thing right now? How would we assess whether the Bayfirst management is utilizing all available resources in the best possible way? Also, how well is the company doing relative to others in its sector and the market as a whole? The answer can be found by analyzing a few important fundamental indicators such as return on assets and return on equity.
Last ReportedProjected for Next Year
Return On Tangible Assets(0.02)(0.02)
Return On Capital Employed(0.03)(0.03)
Return On Assets(0.02)(0.02)
Return On Equity(0.26)(0.25)

Bayfirst Financial Workforce Analysis

Traditionally, organizations such as Bayfirst Financial use manpower efficiency calculations for various incentive schemes, employee appraisal, or as an initiative to improve the processes. However, it can also be used by investors to make long-term investment decisions. The trends in the profit per employee or revenue per employee are measured by net income or revenue divided by the current number of full-time employees over a given time interval. Because workforce needs differ across sectors, these ratios could be used to compare Bayfirst Financial within its industry.

Bayfirst Financial Manpower Efficiency

Return on Bayfirst Financial Manpower

Revenue Per Employee723.5K
Revenue Per Executive7.4M
Net Income Per Employee88K
Net Income Per Executive905.1K
When determining whether Bayfirst Financial Corp offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Bayfirst Financial's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Bayfirst Financial Corp Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Bayfirst Financial Corp Stock:
Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Bayfirst Financial Corp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in price.
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Will Regional Banks sector continue expanding? Could Bayfirst diversify its offerings? Factors like these will boost the valuation of Bayfirst Financial. Projected growth potential of Bayfirst fundamentally drives upward valuation adjustments. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every Bayfirst Financial data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Quarterly Earnings Growth
6.094
Dividend Share
0.16
Earnings Share
(5.93)
Revenue Per Share
9.592
Quarterly Revenue Growth
(0.68)
Investors evaluate Bayfirst Financial Corp using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating Bayfirst Financial's intrinsic value - the estimated true worth - helps identify when the stock trades at a discount or premium to fair value. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. External factors like market trends, sector rotation, and investor psychology can cause Bayfirst Financial's market price to deviate significantly from intrinsic value.
It's important to distinguish between Bayfirst Financial's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding Bayfirst Financial should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. Conversely, Bayfirst Financial's market price signifies the transaction level at which participants voluntarily complete trades.