Share Price | BayFirst Financial Corp. Stock Analysis & Recommendation

Q: Is BayFirst Financial Corp. technically bullish or bearish?

As of 1 October 2023, the technical data for BayFirst Financial Corp. is insufficient to form a view on whether it is bullish or bearish.

Q: Is BayFirst Financial Corp. overvalued or undervalued?

As of 12 October 2023, BayFirst Financial Corp. has moved from fair to attractive in its grade change. The company is currently undervalued based on its financial metrics. Key ratios include a Price-to-Earnings (P/E) ratio of 12.5, a Price-to-Book (P/B) ratio of 1.1, and a Return on Equity (ROE) of 10%. In comparison to its peers, such as First Financial Bankshares with a P/E of 15.0 and South State Corporation with a P/B of 1.5, BayFirst Financial Corp. demonstrates a more favorable valuation. This suggests that the market has not fully recognized its potential relative to its competitors. Additionally, BayFirst's recent stock performance has outpaced the Sensex, reinforcing the notion of its undervaluation.

Q: What does BayFirst Financial Corp. do?

Overview:BayFirst Financial Corp. operates in the regional banks industry and is categorized as a micro-cap company.Financial Snapshot:Most recent Net Sales: 21 Million (Quarterly Results - Mar 2025)Most recent Net Profit: 0 Million (Quarterly Results - Mar 2025)Market-cap: USD 62.55 MillionKey Metrics:P/E: 6.00Dividend Yield: 0.00%Debt Equity: 0.00Return on Equity: 10.40%Price to Book: 0.57Contact Details:Registrar Address: Not available.

Price Point

High/Low

1Day

52 Week

Valuation

Technical

Day's Volume

CASH

2.88 k

Shareholding (Mar 2026)

FII

0.27%

Held by 2 FIIs

DII

97.49%

Held by 5 DIIs

Promoter

2.23%

Is BayFirst Financial Corp. technically bullish or bearish?

25-Jun-2025

As of October 1, 2023, there is insufficient technical data for BayFirst Financial Corp. to determine if it is bullish or bearish.

View full answer

Is BayFirst Financial Corp. overvalued or undervalued?

25-Jun-2025

As of October 12, 2023, BayFirst Financial Corp. is considered attractive and undervalued, with a P/E ratio of 12.5 and a P/B ratio of 1.1, outperforming peers like First Financial Bankshares and South State Corporation.

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What does BayFirst Financial Corp. do?

22-Jun-2025

BayFirst Financial Corp. is a micro-cap regional bank with a market cap of $62.55 million, reporting net sales of $21 million and a net profit of $0 for Q1 2025. Key metrics include a P/E ratio of 6.00 and a return on equity of 10.40%.

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Compare BayFirst Financial Corp. with Similar Stocks

Bank of the James Financial Group, Inc.First US Bancshares, Inc.Citizens Holding Co. (Mississippi)

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Dashboard

With a fall in Interest of NAN%, the company declared Very Negative results in Mar 26

The company has declared negative results for the last 4 consecutive quarters
OPERATING CASH FLOW(Y) Lowest at USD 207.92 MM
NET PROFIT(Q) At USD -5.68 MM has Fallen at -45.14%
PRE-TAX PROFIT(Q) At USD -7.63 MM has Fallen at -29.63%

Risky -

Reducing Promoter Confidence

Below par performance in long term as well as near term

Mojo Parameters

Stock DNA

Industry

Regional Banks

Market cap

USD 26 Million (Micro Cap)

P/E

NA (Loss Making)

Industry P/E

Dividend Yield

0.00%

Debt Equity

0.00

Return on Equity

-17.90%

Price to Book

0.30

Revenue and Profits:

Net Sales:

17 Million

(Quarterly Results - Mar 2026)

Net Profit:

-6 Million

Total Returns

Total Returns (Price + Dividend)

TimePeriod

Price Return

Dividend Return

Total Return

3 Months

-22.24%

6 Months

-40.46%

1 Year

-66.67%

2 Years

-59.35%

3 Years

-67.3%

4 Years

-70.9%

5 Years

-80.3%

BayFirst Financial Corp. for the last several years.

Risk Adjusted Returns v/s

News & Corporate Actions

News

No Recent News for the Company

Announcements

No announcement available

Corporate Actions

No corporate action available

Key Factors

Quality key factors

Factor

Value

Sales Growth (5y)

14.43%

EBIT Growth (5y)

-135.43%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

Pledged Shares

Institutional Holding

20.47%

ROCE (avg)

ROE (avg)

Valuation key factors

Factor

Value

P/E Ratio

NA (Loss Making)

Industry P/E

Price to Book Value

0.30

EV to EBIT

9.38

EV to EBITDA

10.04

EV to Capital Employed

1.35

EV to Sales

-2.76

PEG Ratio

Dividend Yield

ROCE (Latest)

14.41%

ROE (Latest)

-17.90%

Technicals key factors

Indicator

Weekly

Monthly

MACD

Mildly Bullish

Bearish

RSI

No Signal

Bollinger Bands

Bullish

Mildly Bearish

Moving Averages

Mildly Bearish (Daily)

KST

Mildly Bullish

Bearish

Dow Theory

Mildly Bullish

Mildly Bearish

OBV

Mildly Bullish

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Shareholding

Shareholding Snapshot : Mar 2026

Shareholding Compare (%holding)

Majority shareholders

Domestic Funds

Held in 4 Schemes (5.03%)

Foreign Institutions

Held by 2 Foreign Institutions (0.27%)

Strategic Entities with highest holding

Highest Public shareholder

Financial

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    "link": "annual",
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Company CV

About BayFirst Financial Corp.

BayFirst Financial Corp.

Regional Banks

No Details Available.

Company Coordinates

No Company Details Available