BayFirst Financial Corp. (BAFN) Stock Analysis

Company Overview

BayFirst Financial Corp. (BAFN) is capitalised at $183.35M on the latest close. The company sits in the Financial Services sector, in the Banks - Regional industry. The company reports 148 employees.

The most recent close on file for BAFN is $6.80, dated September 4, 2026. That is −$0.40 (−5.56%) against the previous close. The 52-week range on file runs from $4.26 to $11.34. The latest close sits 59.66% above that 52-week low.

Financial Health

Fiscal 2025 revenue came to $56.18M. Against the prior fiscal year total of $80.46M, that is a change of −30.17%. The same year closed with a net loss of $22.94M. The reported profit margin is 0%. That is 29.1 percentage points below the Banks - Regional median of 29.15%. Trailing earnings per share are −11.21.

Across the 4 fiscal years on file, revenue moves from $57.84M in 2022 to $56.18M in 2025. Of those 4 years, 2 report positive net income.

Valuation Assessment

No trailing P/E applies: the last reported earnings figure is negative.

Beta against the wider market is reported at 0.38. Annualized volatility over the trailing 5 years is 51.7%. Over the trailing twelve months the price has returned −23.60%. Across 5 years the annualized return works out at −22.17%.

Growth & Income

Shareholders receive a dividend, yielding 3.95% on the latest price. That is 1.3 percentage points above the Banks - Regional median yield of 2.7%. At the indicated rate that is $0.24 a share a year. Dividends are recorded for 5 calendar years; 2025 shows 2 payments totalling $0.16 a share. The year before, 2024, totalled $0.32 a share.

2026 is still running; the price is −13.38% year to date. Across the complete calendar years on file, 2021 returned +47.51% and 2025 returned −40.42%. Of the 5 complete calendar years on file, 2 finished higher.