Bayfirst Financial Corp Net Income
| BAFN Stock | USD 6.52 0.28 4.12% |
As of the 30th of January, Bayfirst Financial shows the Mean Deviation of 1.66, standard deviation of 2.51, and Risk Adjusted Performance of (0.14). Bayfirst Financial Corp technical analysis gives you the methodology to make use of historical prices and volume patterns to determine a pattern that approximates the direction of the firm's future prices.
Bayfirst Financial Total Revenue |
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Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 1.7016 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 14.6 M | 15.3 M | |
| Net Income From Continuing Ops | 14.6 M | 10.2 M | |
| Net Loss | -1.1 M | -1 M | |
| Net Income Per Share | 2.74 | 2.88 | |
| Net Income Per E B T | 0.67 | 0.58 |
Bayfirst | Net Income | Build AI portfolio with Bayfirst Stock |
Evaluating Bayfirst Financial's Net Income across multiple reporting periods reveals the company's ability to sustain growth and manage resources effectively. This longitudinal analysis highlights inflection points, cyclical patterns, and structural changes that short-term snapshots might miss, offering deeper insight into Bayfirst Financial Corp's fundamental strength.
Latest Bayfirst Financial's Net Income Growth Pattern
Below is the plot of the Net Income of Bayfirst Financial Corp over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in Bayfirst Financial Corp financial statement analysis. It represents the amount of money remaining after all of Bayfirst Financial Corp operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is Bayfirst Financial's Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in Bayfirst Financial's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 12.67 M | 10 Years Trend |
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Net Income |
| Timeline |
Bayfirst Net Income Regression Statistics
| Arithmetic Mean | 5,970,005 | |
| Coefficient Of Variation | 123.57 | |
| Mean Deviation | 5,857,123 | |
| Median | 4,234,000 | |
| Standard Deviation | 7,377,055 | |
| Sample Variance | 54.4T | |
| Range | 25.8M | |
| R-Value | 0.67 | |
| Mean Square Error | 31.8T | |
| R-Squared | 0.45 | |
| Significance | 0 | |
| Slope | 982,194 | |
| Total Sum of Squares | 870.7T |
Bayfirst Net Income History
Other Fundumenentals of Bayfirst Financial Corp
| Net Income From Continuing Ops | ||
| Net Income Applicable To Common Shares | ||
| Net Income Per Share | ||
| Net Income Per E B T |
Bayfirst Financial Net Income component correlations
Bayfirst Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for Bayfirst Financial is extremely important. It helps to project a fair market value of Bayfirst Stock properly, considering its historical fundamentals such as Net Income. Since Bayfirst Financial's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Bayfirst Financial's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Bayfirst Financial's interrelated accounts and indicators.
Click cells to compare fundamentals
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 0.24 | Earnings Share (3.01) | Revenue Per Share | Quarterly Revenue Growth (0.11) |
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.
Bayfirst Financial 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to Bayfirst Financial's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of Bayfirst Financial.
| 11/01/2025 |
| 01/30/2026 |
If you would invest 0.00 in Bayfirst Financial on November 1, 2025 and sell it all today you would earn a total of 0.00 from holding Bayfirst Financial Corp or generate 0.0% return on investment in Bayfirst Financial over 90 days. Bayfirst Financial is related to or competes with Tectonic Financial, OptimumBank Holdings, MDB Capital, Kentucky First, Texas Community, Marathon Bancorp, and Home Federal. BayFirst Financial Corp. operates as the bank holding company for First Home Bank that provides commercial and consumer ... More
Bayfirst Financial Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure Bayfirst Financial's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess Bayfirst Financial Corp upside and downside potential and time the market with a certain degree of confidence.
| Information Ratio | (0.23) | |||
| Maximum Drawdown | 13.03 | |||
| Value At Risk | (6.08) | |||
| Potential Upside | 3.08 |
Bayfirst Financial Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for Bayfirst Financial's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as Bayfirst Financial's standard deviation. In reality, there are many statistical measures that can use Bayfirst Financial historical prices to predict the future Bayfirst Financial's volatility.| Risk Adjusted Performance | (0.14) | |||
| Jensen Alpha | (0.55) | |||
| Total Risk Alpha | (0.69) | |||
| Treynor Ratio | (0.72) |
Bayfirst Financial January 30, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
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| Volume Indicators |
| Risk Adjusted Performance | (0.14) | |||
| Market Risk Adjusted Performance | (0.71) | |||
| Mean Deviation | 1.66 | |||
| Coefficient Of Variation | (496.25) | |||
| Standard Deviation | 2.51 | |||
| Variance | 6.28 | |||
| Information Ratio | (0.23) | |||
| Jensen Alpha | (0.55) | |||
| Total Risk Alpha | (0.69) | |||
| Treynor Ratio | (0.72) | |||
| Maximum Drawdown | 13.03 | |||
| Value At Risk | (6.08) | |||
| Potential Upside | 3.08 | |||
| Skewness | (0.79) | |||
| Kurtosis | 3.31 |
Bayfirst Financial Corp Backtested Returns
Bayfirst Financial Corp secures Sharpe Ratio (or Efficiency) of -0.23, which signifies that the company had a -0.23 % return per unit of risk over the last 3 months. Bayfirst Financial Corp exposes twenty-one different technical indicators, which can help you to evaluate volatility embedded in its price movement. Please confirm Bayfirst Financial's Standard Deviation of 2.51, risk adjusted performance of (0.14), and Mean Deviation of 1.66 to double-check the risk estimate we provide. The firm shows a Beta (market volatility) of 0.72, which signifies possible diversification benefits within a given portfolio. As returns on the market increase, Bayfirst Financial's returns are expected to increase less than the market. However, during the bear market, the loss of holding Bayfirst Financial is expected to be smaller as well. At this point, Bayfirst Financial Corp has a negative expected return of -0.55%. Please make sure to confirm Bayfirst Financial's treynor ratio, rate of daily change, as well as the relationship between the Rate Of Daily Change and period momentum indicator , to decide if Bayfirst Financial Corp performance from the past will be repeated at some point in the near future.
Auto-correlation | 0.61 |
Good predictability
Bayfirst Financial Corp has good predictability. Overlapping area represents the amount of predictability between Bayfirst Financial time series from 1st of November 2025 to 16th of December 2025 and 16th of December 2025 to 30th of January 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of Bayfirst Financial Corp price movement. The serial correlation of 0.61 indicates that roughly 61.0% of current Bayfirst Financial price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.61 | |
| Spearman Rank Test | 0.64 | |
| Residual Average | 0.0 | |
| Price Variance | 0.48 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
Bayfirst Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, Bayfirst Financial Corp reported net income of 12.67 M. This is 99.01% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 97.78% higher than that of the company.
Bayfirst Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Bayfirst Financial's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Bayfirst Financial could also be used in its relative valuation, which is a method of valuing Bayfirst Financial by comparing valuation metrics of similar companies.Bayfirst Financial is currently under evaluation in net income category among its peers.
Bayfirst Financial ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Bayfirst Financial's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Bayfirst Financial's managers, analysts, and investors.Environmental | Governance | Social |
Bayfirst Financial Institutional Holders
Institutional Holdings refers to the ownership stake in Bayfirst Financial that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of Bayfirst Financial's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Bayfirst Financial's value.| Shares | Tower Research Capital Llc | 2025-06-30 | 304 | Bank Of America Corp | 2025-06-30 | 34.0 | Morgan Stanley - Brokerage Accounts | 2025-06-30 | 2.0 | Renaissance Technologies Corp | 2025-03-31 | 0.0 | Fny Investment Advisers, Llc | 2025-06-30 | 0.0 | Banc Funds Co Llc | 2025-06-30 | 125.3 K | First Manhattan Co. Llc | 2025-06-30 | 125.3 K | Vanguard Group Inc | 2025-06-30 | 89.1 K | Blackrock Inc | 2025-06-30 | 48.7 K | Salzhauer Michael | 2025-06-30 | 42.4 K | Geode Capital Management, Llc | 2025-06-30 | 38.9 K |
Bayfirst Fundamentals
| Return On Equity | -0.11 | |||
| Return On Asset | -0.0083 | |||
| Profit Margin | (0.18) % | |||
| Operating Margin | 26.65 % | |||
| Current Valuation | (6.2 M) | |||
| Shares Outstanding | 4.11 M | |||
| Shares Owned By Insiders | 15.46 % | |||
| Shares Owned By Institutions | 16.93 % | |||
| Number Of Shares Shorted | 12.54 K | |||
| Price To Earning | 2.61 X | |||
| Price To Book | 0.36 X | |||
| Price To Sales | 0.46 X | |||
| Revenue | 125.24 M | |||
| Gross Profit | 58.93 M | |||
| EBITDA | 25.71 M | |||
| Net Income | 12.67 M | |||
| Cash And Equivalents | 74.35 M | |||
| Cash Per Share | 18.45 X | |||
| Total Debt | 22.4 M | |||
| Book Value Per Share | 17.97 X | |||
| Cash Flow From Operations | 390.53 M | |||
| Short Ratio | 1.39 X | |||
| Earnings Per Share | (3.01) X | |||
| Number Of Employees | 237 | |||
| Beta | 0.27 | |||
| Market Capitalization | 26.95 M | |||
| Total Asset | 1.29 B | |||
| Retained Earnings | 44.13 M | |||
| Annual Yield | 0.05 % | |||
| Net Asset | 1.29 B | |||
| Last Dividend Paid | 0.24 |
About Bayfirst Financial Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Bayfirst Financial Corp's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Bayfirst Financial using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Bayfirst Financial Corp based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
Pair Trading with Bayfirst Financial
One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if Bayfirst Financial position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in Bayfirst Financial will appreciate offsetting losses from the drop in the long position's value.Moving together with Bayfirst Stock
Moving against Bayfirst Stock
| 0.84 | LSBK | Lake Shore Bancorp | PairCorr |
| 0.83 | UCB | United Community Banks | PairCorr |
| 0.82 | BIRG | Bank of Ireland Group PLC | PairCorr |
| 0.77 | EBMT | Eagle Bancorp Montana | PairCorr |
| 0.77 | WBCPM | Westpac Banking | PairCorr |
The ability to find closely correlated positions to Bayfirst Financial could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace Bayfirst Financial when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back Bayfirst Financial - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling Bayfirst Financial Corp to buy it.
The correlation of Bayfirst Financial is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as Bayfirst Financial moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if Bayfirst Financial Corp moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for Bayfirst Financial can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.Check out You can also try the Sign In To Macroaxis module to sign in to explore Macroaxis' wealth optimization platform and fintech modules.
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 0.24 | Earnings Share (3.01) | Revenue Per Share | Quarterly Revenue Growth (0.11) |
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.