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BAFN$5.91-4.75%
Fair $5.91+0.0%

BAFN

BayFirst Financial Corp.

Financial Services / Banks - RegionalNasdaqCM

$5.91

-0.30 (-4.75%)

Fairly Valued+0.0%Fair Value $5.91Fund rank 39/100 · Data gapFallback financials|
SA 14/F
F-Score: 2/9
Low Profitability

Book/ROE base 3Y

n/d

n/d CAGR · P/B n/d

Book/ROE base 5Y

n/d

n/d base · n/d expected

Precio de entrada

n/d

MOS 100% · confianza 20%

Book/ROE escenarios

weak_data · book/share n/d · quality 23.0/100

Data gap 39/100
Bear 5Yn/dn/d
Base 5Yn/dn/d
Bull 5Yn/dn/d
Return 0/100Downside 20/100Model quality 89/100Data QA 20/100

Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.

Quality + valuation scorecard

SA Score

14/100

F

Piotroski

2/9

balance/quality

Valuation

50/100

+0.0% upside

5Y CAGR

+0.0%

50/100

Data QA

20/100

SEC 0%

Latest source: unknownPeriods: 6Warnings: 1unknown: 6
No SEC-backed annual rows; valuation uses fallback financial data. Insufficient audited annual history (<3 SEC-backed years); financial Book/ROE targets are disabled until manually verified. ROE is -26.2%, below the 5% threshold
Thesis & Journal · BAFNLocal privado en este navegador · BayFirst Financial Corp.
Plantilla tipo buy-side: tesis, bull/base/bear, catalizadores, riesgos, kill criteria y fecha de revisión. Esto no gasta GPT-5.5; luego lo usamos como contexto del memo.

Sin guardar todavía.

Market Cap

$32M

P/E

N/A

•

EV/EBITDA

N/A

•

ROE

-26.2%

↓

Gross Margin

N/A

•

Debt/Equity

0.24

↓
52-Week Range$6
$5$16

TradingView lightweight chart

BAFN price, volumen y niveles de valoración

Último $5.910Periodo -62.3%
Fair value: $5.910

Price & Ratios

Absolute Values (Left Axis)

Ratios / Percentages (Right Axis)

Financial statement dashboard

Crecimiento, márgenes y provenance

2020–2025 · 5 años de histórico normalizado

Revenue CAGR

—

FCF CAGR

—

FCF margin

507.3%

FCF / Net income

-12.43x

Latest source

Provider fallback

Margin decomposition

Último año: revenue $56.2M · net income $-22.9M · FCF $285.0M

2020-FY → 2025-FY

Gross margin

—— pts

Operating margin

—— pts

Net margin

-40.8%— pts

FCF margin

507.3%— pts
MetricTTM
2025
2024
2023
2022
2021
2020
Income Statement
Revenue$56.2M$56.2M$80.5M$78.8M$57.8M——
Net Income$-22.9M$-22.9M$12.6M$5.7M$-349000.00$24.6M$12.7M
EPS-4.54-4.542.000.86-0.225.913.01
Net Margin-40.8%-40.8%15.7%7.2%-0.6%——
Balance Sheet
Debt/Equity0.240.240.200.210.41——
Cash Flow
Free Cash Flow$285.0M$285.0M$388.8M$447.2M$432.2M$482.3M$-110.9M
Returns
ROE-26.2%-26.2%11.4%5.7%-0.4%25.6%17.9%
Valuation
P/E——6.5214.84———
P/B0.360.360.650.700.99——
Growth & Yield
Revenue Growth-30.2%-30.2%2.2%36.2%———
EPS Growth-326.3%-326.3%133.9%486.2%—96.3%—
Dividend Yield4.0%4.0%—————

Revenue, Net Income & Free Cash Flow ($B)

Margins (%)

Returns (%)

Leverage & Liquidity

Reverse DCF · market-implied EPS growthterminal P/E 15.0x · COE 10.0%
Reverse DCF requires positive EPS; loss-making or zero-EPS companies cannot produce a clean EPS hurdle.

Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.

Return attribution · 1Y approxreconcilia total -59.8%

Total return

-59.8%

Start / end P/E

n/dx → n/dx

EPS bridge

2.00 → -4.54

Residual

-63.7%

EPS growthn/d
Multiple reratingn/d
Dividend+4.0%
Residual / FX / buybacks / cross-term-63.7%

EPS/multiple decomposition requires positive EPS at both endpoints; residual absorbs price move not explained by dividends.

Simple additive decomposition: total return = EPS growth contribution + P/E multiple contribution + dividend contribution + explicit residual. The residual captures cross-terms, buybacks/share-count effects, FX, special dividends, data noise and methodology mismatch so the bridge always reconciles.