Bayfirst Financial Corp Stock Analysis

Bayfirst Stock Analysis Notes

About 15.0% of the company shares are held by company insiders. The company has price-to-book (P/B) ratio of 0.36. Some equities with similar Price to Book (P/B) outperform the market in the long run. Bayfirst Financial Corp recorded a loss per share of 3.01. The entity last dividend was issued on the 30th of May 2025. The firm had 3:2 split on the 12th of May 2021. BayFirst Financial Corp. operates as the bank holding company for First Home Bank that provides commercial and consumer banking services for businesses and individuals. BayFirst Financial Corp. was founded in 1999 and is headquartered in Saint Petersburg, Florida. Bayfirst Financial operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 485 people. For more info on Bayfirst Financial Corp please contact Anthony JD at 727 440 6848 or go to https://www.bayfirstfinancial.com.

Bayfirst Financial Corp Investment Alerts

Bayfirst Financial Environmental, Social, and Governance (ESG) Scores

Bayfirst Stock Institutional Investors

Note, although Bayfirst Financial's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

Bayfirst Market Capitalization

The company currently falls under 'Micro-Cap' category with a current market capitalization of 26.95 M.

Bayfirst Profitablity

The company has Profit Margin (PM) of (0.18) %, 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 26.65 %, which suggests for every 100 dollars of sales, it generated a net operating income of $26.65.

Management Efficiency

As of the 31st of January 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 31st of January 2026, Non Current Assets Total is likely to grow to about 1.4 B, while Other Assets are likely to drop about 129.7 M. 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.

Technical Drivers

As of the 31st of January, Bayfirst Financial shows the Risk Adjusted Performance of (0.14), mean deviation of 1.66, and Standard Deviation of 2.51. 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 Corp Price Movement Analysis

Bayfirst Financial Corp Insider Trading Activities

Bayfirst Financial Outstanding Bonds

Bayfirst Financial Predictive Daily Indicators

Bayfirst Financial Corporate Filings

Bayfirst Financial Forecast Models

Bayfirst Financial's time-series forecasting models are one of many Bayfirst Financial's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary Bayfirst Financial's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

Bayfirst Financial Bond Ratings

Bayfirst Financial Corp financial ratings play a critical role in determining how much Bayfirst Financial have to pay to access credit markets, i.e., the amount of interest on their issued debt. The threshold between investment-grade and speculative-grade ratings has important market implications for Bayfirst Financial's borrowing costs.

Bayfirst Financial Corp Debt to Cash Allocation

Bayfirst Financial Corp currently holds 22.4 M in liabilities. Note, when we think about Bayfirst Financial's use of debt, we should always consider it together with its cash and equity.

Bayfirst Financial Total Assets Over Time

Bayfirst Financial Assets Financed by Debt

The debt-to-assets ratio shows the degree to which Bayfirst Financial uses debt to finance its assets. It includes both long-term and short-term borrowings maturing within one year. It also includes both tangible and intangible assets, such as goodwill.

Bayfirst Financial Debt Ratio

0.12

It appears that most of the Bayfirst Financial's assets are financed through equity. Typically, companies with high debt-to-asset ratios are said to be highly leveraged. The higher the ratio, the greater risk will be associated with the Bayfirst Financial's operation. In addition, a high debt-to-assets ratio may indicate a low borrowing capacity of Bayfirst Financial, which in turn will lower the firm's financial flexibility.

Bayfirst Financial Corporate Bonds Issued

Bayfirst Short Long Term Debt Total

Stock analysis is the technique used by a trader or investor to examine and evaluate how Bayfirst Financial prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling Bayfirst shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as Bayfirst Financial. By using and applying Bayfirst Stock analysis, traders can create a robust methodology for identifying Bayfirst entry and exit points for their positions.

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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.

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.