BayFirst Financial Corp. () Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

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BayFirst Financial Corp.

Why is BayFirst Financial Corp. ?

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 -

The stock is trading risky as compared to its average historical valuations
Over the past year, while the stock has generated a return of -66.67%, its profits have fallen by -223.8%

Reducing Promoter Confidence

Promoters have decreased their stake in the company by -1.9% over the previous quarter and currently hold 2.23% of the company
Promoters decreasing their stake may signify reduced confidence in the future of the business

Below par performance in long term as well as near term

Along with generating -66.67% returns in the last 1 year, the stock has also underperformed S&P 500 in the last 3 years, 1 year and 3 months

Real-Time Research Report

Verdict Report

How much should you sell?

All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is BayFirst Financial Corp. for you?

High Risk, Low Return

Absolute

Risk Adjusted

Volatility

BayFirst Financial Corp.

-66.67%

-0.85

69.45%

S&P 500

22.24%

1.67

13.28%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

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

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

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

Technical 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

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

1What is working for the Company

CASH AND EQV(HY)

Highest at USD 11.97 MM

-23What is not working for the Company

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%

NII(Q)

Lowest at USD 9.45 MM

DIVIDEND PER SHARE(HY)

Lowest at USD 0

NET SALES(Q)

Lowest at USD 17.44 MM

Here's what is working for BayFirst Financial Corp.

Cash and Eqv

Highest at USD 11.97 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents

Here's what is not working for BayFirst Financial Corp.

Net Sales

At USD 17.44 MM has Fallen at -18.69%

over average net sales of the previous four periods of USD 21.45 MM

MOJO Watch

Near term sales trend is extremely negative

Net Sales (USD MM)

Net Profit

At USD -5.68 MM has Fallen at -45.14%

over average net sales of the previous four periods of USD -3.91 MM

MOJO Watch

Near term Net Profit trend is very negative

Net Profit (USD MM)

Operating Cash Flow

Lowest at USD 207.92 MM and Fallen

In each year in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Pre-Tax Profit

At USD -7.63 MM has Fallen at -29.63%

over average net sales of the previous four periods of USD -5.89 MM

MOJO Watch

Near term Pre-Tax Profit trend is very negative

Pre-Tax Profit (USD MM)

NII

Lowest at USD 9.45 MM

in the last five periods

MOJO Watch

The bank's income from core business is falling

NII (USD MM)

Net Sales

Lowest at USD 17.44 MM

in the last five periods

MOJO Watch

Near term sales trend is negative

Net Sales (USD MM)

Dividend per share

Lowest at USD 0

in the last five years

MOJO Watch

Company is distributing lower dividend than previous years

DPS (USD)