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BayFirst Financial Corp.

  • Market Cap: Micro Cap
  • Industry: Regional Banks
  • ISIN: US07279B1044
USD
7.95
0.09 (1.15%)

Dec 18

NAS

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  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-recommendationScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy

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Comparison
Company
Score
Quality
Valuation
Financial
Technical
Rhinebeck Bancorp, Inc.
Citizens Holding Co. (Mississippi)
SB Financial Group, Inc.
Village Bank & Trust Financial Corp.
Bank of the James Financial Group, Inc.
First US Bancshares, Inc.
United Bancorp, Inc. (Ohio)
Pathfinder Bancorp, Inc.
Auburn National Bancorporation, Inc.
BayFirst Financial Corp.
Apptech Payments Corp.
Why is BayFirst Financial Corp. ?
1
With a fall in Interest of NAN%, the company declared Very Negative results in Jun 25
  • OPERATING CASH FLOW(Y) Lowest at USD 325.76 MM
  • OPERATING PROFIT(Q) Lowest at USD -1.65 MM
  • OPERATING PROFIT MARGIN(Q) Lowest at -7.33 %
2
Risky - Market Cap of less than 100 cr
  • The stock is trading risky as compared to its average historical valuations
  • Over the past year, while the stock has generated a return of -40.68%, its profits have risen by 93.1% ; the PEG ratio of the company is 0.1
3
Consistent Underperformance against the benchmark over the last 3 years
  • Along with generating -40.68% returns in the last 1 year, the stock has also underperformed S&P 500 in each of the last 3 annual periods
stock-recommendationReal-Time Research Report
Verdict Report
How much should you sell?
  1. 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.
-39.13%
-0.49
64.20%
S&P 500
11.09%
0.60
19.84%
stock-recommendationQuality
stock-summaryManagement Risk
stock-summaryGrowth
stock-summaryCapital Structure
stock-recommendation
Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors
Factor
Value
Sales Growth (5y)
38.10%
EBIT Growth (5y)
-0.54%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
13.27%
Pledged Shares
0
Institutional Holding
18.85%
ROCE (avg)
0
ROE (avg)
0
stock-recommendationValuation
Valuation Scorecard stock-summary
stock-recommendation
Valuation grade scale :

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

Valuation Key Factors stock-summary
Factor
Value
P/E Ratio
6
Industry P/E
Price to Book Value
0.57
EV to EBIT
-28.97
EV to EBITDA
-9.64
EV to Capital Employed
-3.16
EV to Sales
-0.42
PEG Ratio
0.06
Dividend Yield
NA
ROCE (Latest)
Negative Capital Employed
ROE (Latest)
10.40%
stock-recommendationTechnicals
Technical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bearish
Moving Averages
Bearish (Daily)
KST
Mildly Bullish
Bearish
Dow Theory
Mildly Bearish
No Trend
OBV
No Trend
Bullish
stock-recommendation Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
Technical Movement
Analyse All Technical Factors stock-recommendation
stock-recommendationFinancial Trend
Financial Trend Scorecard stock-summary
stock-recommendation
Financial Trend scale:

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

12What is working for the Company
NII(Q)

Highest at USD 12.35 MM

NET PROFIT(9M)

Higher at USD 8.2 MM

CASH AND EQV(HY)

Highest at USD 12.66 MM

CREDIT DEPOSIT RATIO(HY)

Highest at 88.94%

NET SALES(Q)

Highest at USD 22.5 MM

-18What is not working for the Company
OPERATING CASH FLOW(Y)

Lowest at USD 325.76 MM

OPERATING PROFIT(Q)

Lowest at USD -1.65 MM

OPERATING PROFIT MARGIN(Q)

Lowest at -7.33 %

PRE-TAX PROFIT(Q)

Lowest at USD -1.65 MM

NET PROFIT(Q)

Lowest at USD -1.24 MM

EPS(Q)

Lowest at USD -0.39

Here's what is working for BayFirst Financial Corp.
NII
Highest at USD 12.35 MM and Grown
In each period in the last five periods
MOJO Watch
The bank's income from core business is increasing

Net NPA

Net Sales
Highest at USD 22.5 MM
in the last five periods
MOJO Watch
Near term sales trend is positive

Net Sales (USD MM)

Cash and Eqv
Highest at USD 12.66 MM
in the last six Semi-Annual periods
MOJO Watch
Short Term liquidity is improving

Cash and Cash Equivalents

Credit Deposit Ratio
Highest at 88.94%
in the last four Semi-Annual periods
MOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)

Here's what is not working for BayFirst Financial Corp.
Pre-Tax Profit
At USD -1.65 MM has Fallen at -142.98%
over average net sales of the previous four periods of USD 3.84 MM
MOJO Watch
Near term Pre-Tax Profit trend is very negative

Pre-Tax Profit (USD MM)

Net Profit
At USD -1.24 MM has Fallen at -143.2%
over average net sales of the previous four periods of USD 2.86 MM
MOJO Watch
Near term Net Profit trend is very negative

Net Profit (USD MM)

Operating Cash Flow
Lowest at USD 325.76 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)

Operating Profit
Lowest at USD -1.65 MM
in the last five periods
MOJO Watch
Near term Operating Profit trend is negative

Operating Profit (USD MM)

Operating Profit Margin
Lowest at -7.33 %
in the last five periods
MOJO Watch
Company's profit margin has deteriorated

Operating Profit to Sales

Pre-Tax Profit
Lowest at USD -1.65 MM
in the last five periods
MOJO Watch
Near term Pre-Tax Profit trend is negative

Pre-Tax Profit (USD MM)

Net Profit
Lowest at USD -1.24 MM
in the last five periods
MOJO Watch
Near term Net Profit trend is negative

Net Profit (USD MM)

EPS
Lowest at USD -0.39
in the last five periods
MOJO Watch
Declining profitability; company has created lower earnings for shareholders

EPS (USD)

Capital Adequacy Ratio
Lowest at 9.98%
in the last five periods
MOJO Watch
The Bank's capital base vs its risk assets is deteriorating.

CAR (%)

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