BAFN

BayFirst Financial Corp.

Financial Services · $28M market cap

Verdict

Share price

$7.76

close of Oct 3, 2026

Fair value

$5.45

Sticker Price

Payback Price

$2.18

buy price

Overpriced

BAFN is Overpriced: at $7.76 it trades 42% above its fair value of $5.45. Its buy price (Payback Price) is $2.18, 72% below today's price. Business quality is mixed: 2 of 5 key numbers clear the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

2 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth117.8% a year✓
Equity per share growth3.3% a year✗
Sales growth21.6% a year✓
Free cash flow growth-11.4% a year✗
Return on invested capital-2.2%✗

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Insider activity

Since Jul 14, 2026: no open-market purchases, 4 sales and 8 other filings (stock awards, tax withholding and similar). Why purchases matter

Sales

Other filings

About BayFirst Financial Corp.

Founded in 1999 and headquartered in Saint Petersburg, Florida, BayFirst Financial Corp. functions as the parent entity for First Home Bank. This financial institution offers a comprehensive array of commercial and consumer banking solutions for both businesses and individual clients. Its product portfolio includes various deposit accounts such as checking, savings, and certificates of deposit. Borrowers can access…

Banks - Regional

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works