How to buy BayFirst Financial stock (BayFirst Financial Corp)

BayFirst Financial Corp is looking to resale shares of its common stock, but this offering is contingent upon the approval of its application for listing on the Nasdaq.

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BayFirst Financial stock price (NASDAQ: BAFN)

Use our graph to track the performance of BAFN stocks over time.

BayFirst Financial shares at a glance

• Key figures

Information last updated 2024-12-19.

Latest market close	$13.34
52-week range	$10.20 - $14.96
50-day moving average more info button	$13.28
200-day moving average more info button	$12.84
Wall St. target price	N/A
PE ratio more info button	17.6487
Dividend yield more info button	$0.32 (2.43%)
Earnings per share (TTM) more info button	$0.74

Is it a good time to buy BayFirst Financial stock?

The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.

This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.

BayFirst Financial price performance over time

Historical closes compared with the close of $13.34 from 2024-12-24

1 week (2024-12-19)	-0.82%
1 month (2024-11-26)	-0.67%
3 months (2024-09-26)	-1.19%
6 months (2024-06-26)	15.60%

1 year (2023-12-26)	2.62%
2 years (2022-12-23)	-14.36%
3 years (2021-12-23)	21.0122
5 years (2019-12-22)	N/A

Is BayFirst Financial stock undervalued or overvalued?

Valuing BayFirst Financial stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of BayFirst Financial's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.

BayFirst Financial's P/E ratio

BayFirst Financial's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 18x. In other words, BayFirst Financial shares trade at around 18x recent earnings.

That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.

However, BayFirst Financial's P/E ratio is best considered in relation to those of others within the banks - regional industry or those of similar companies.

• Citigroup (C.US): 20.23
• Wells Fargo-and-Company (WFC.US): 14.88
• Bank of America (BAC.US): 16.08

BayFirst Financial financials

Revenue TTM	$76.2 million
Operating margin TTM	9.92%
Gross profit TTM	$62.3 million
Return on assets TTM	0.38%
Return on equity TTM	4.64%
Profit margin	5.88%
Book value	$20.94
Market Capitalization more info button	$54 million

TTM: trailing 12 months

BayFirst Financial share dividends

Dividend payout ratio: 79.15% of net profits

Recently BayFirst Financial has paid out, on average, around 100% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 0% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), BayFirst Financial shareholders could enjoy a 0% return on their shares, in the form of dividend payments. In BayFirst Financial's case, that would currently equate to about $0.32 per share.

BayFirst Financial's payout ratio would broadly be considered high, and as such this stock could appeal to those looking to generate an income. Bear in mind however that companies should normally also look to re-invest a decent amount of net profits to ensure future growth.

BayFirst Financial's most recent dividend payout was on 14 December 2024. The latest dividend was paid out to all shareholders who bought their shares by 28 November 2024 (the "ex-dividend date").

BayFirst Financial's dividend payout ratio is perhaps best considered in relation to those of similar companies.

• Citigroup (C.US): 0.00%
• Wells Fargo-and-Company (WFC.US): 0.00%
• Bank of America (BAC.US): 0.00%

Have BayFirst Financial's shares ever split?

BayFirst Financial's shares were split on a 3:2 basis on 11 May 2021 . So if you had owned 2 shares the day before before the split, the next day you'd have owned 3 shares. This wouldn't directly have changed the overall worth of your BayFirst Financial shares – just the quantity. However, indirectly, the new 33.3% lower share price could have impacted the market appetite for BayFirst Financial shares which in turn could have impacted BayFirst Financial's share price.

BayFirst Financial share price volatility

Over the last 12 months, BayFirst Financial's shares have ranged in value from as little as $10.203 up to $14.9591. A popular way to gauge a stock's volatility is its "beta".

Beta is a measure of a share's volatility in relation to the market. The market (NASDAQ average) beta is 1, while BayFirst Financial's is 0.991. This would suggest that BayFirst Financial's shares are less volatile than average (for this exchange).

To put BayFirst Financial's beta into context you can compare it against those of similar companies.

• Citigroup (C.US): 1.426
• Wells Fargo-and-Company (WFC.US): 1.136
• Bank of America (BAC.US): 1.325

BayFirst Financial overview

BayFirst Financial Corp. operates as the bank holding company for BayFirst National Bank that provides community banking services for businesses and individuals. The company offers checking, savings, NOW, and money market deposit accounts, as well as certificates of deposit and individual retirement account; and safety deposit boxes. It also provides commercial real estate mortgages; construction and development, working capital, and business loans; auto, boat, and recreational vehicle loans; and residential mortgages, personal lines of credit, and home equity lines of credit. In addition, the company offers mobile and online banking, treasury management, wire transfers, cash management, merchant processing, remote deposit capture, night depositor, online bill payment, courier, retail investment, ACH originations, and other services. It operates full-service banking centers in St. Petersburg, Seminole, Pinellas Park, Clearwater, Sarasota, Tampa, Belleair Bluffs, and Bradenton, Florida.

Frequently asked questions

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What percentage of BayFirst Financial is owned by insiders or institutions?
Currently 15.156% of BayFirst Financial shares are held by insiders and 14.152% by institutions. How many people work for BayFirst Financial?
Latest data suggests 295 work at BayFirst Financial. When does the fiscal year end for BayFirst Financial?
BayFirst Financial's fiscal year ends in December. Where is BayFirst Financial based?
BayFirst Financial's address is: 700 Central Avenue, Saint Petersburg, FL, United States, 33701 What is BayFirst Financial's ISIN number?
BayFirst Financial's international securities identification number is: US07279B1044