Openbookopenbook
Equity
Bayfirst Financial Corp(BAFN)
USD --+0.00%
Reward47Moderate
Risk39Moderate
📊75%Data
Thin -58% profit margin · Revenue down 68% YoY
BAFN
+0.0 · +0.00%
USD · NASDAQ
Bayfirst Financial Corp | Financial Services
Earnings Deterioration
Market Cap:32.88M
ℹ️
Reward Rating
47
Moderate
Bottom 25% (model universe)
75% data coverage
ℹ️
Risk Rating
39
Moderate
Risk Assessment
ℹ️

Educational tool only – Scores are based on historical data and financial metrics for informational purposes. This is not financial advice or a recommendation to buy or sell any security. Always conduct your own research or consult a qualified financial adviser.

ℹ️ Educational tool only · More
Limited data coverage
We don't have enough public data on BAFN to score it reliably yet — Reward, Risk, Forecasts and Dividends tabs aren't available for this stock. The price chart and basic profile are still shown.
OTC / ADR stock — scores and fundamentals use data tagged in USD by our provider. The issuer may report in a different home currency (e.g. JPY), so treat figures as directional rather than precise.
Not available for limited-coverage stocks
The overview tab requires fundamentals and price history we don't have for this stock. The price chart is the most reliable view we have — try the Chart tab.

Market Performance

Stock returned +10.0% over the past year, broadly in line with market conditions.

What is Bayfirst Financial Corp?

operates as the bank holding company for BayFirst National Bank that provides community banking services for small and medium sized businesses and individuals.

BAFN · Verdict

Moderate reward · moderate risk

BAFN stands out on volatility and valuation, but watch the profitability signal.

Based on 88% data coverage

BAFN · Verdict

What’s working & what to watch

Strengths 2

  • Volatility95/100

    Top decile vs peers

  • Valuation71/100

    Above average

Watchouts 1

  • Profitability23/100

    -22% net margin · -23% ROE

Model-based scoring. For information only — not financial advice.

What is Bayfirst Financial Corp?

operates as the bank holding company for BayFirst National Bank that provides community banking services for small and medium sized businesses and individuals. The company offers checking, savings, negotiable order of withdrawal, and money market deposit accounts, as well as certificates of deposit and individual retirement accounts; and safety deposit boxes. The company is listed on the NASDAQ in USA, operating in the Financial Services sector, with a market capitalisation of 32.88M.

Financial Highlights

Investment Breakdown

📈 Growth
Growth trend is developing — watch for revenue consistency over upcoming quarters.
💰 Profitability
Thin or inconsistent margins weigh on earnings quality.
⚠️ Risk
Risk profile appears balanced versus broad market conditions.
💸 Valuation
Valuation is less clear with a negative earnings base.

OpenBook Logo Analysis

Reward: Moderate (47)

The scoring profile indicates limited reward potential at this time, with valuation and momentum offering the most support. Risk indicators are moderate, consistent with typical market exposure.

For informational purposes only. Not financial advice.

Company Information
SectorFinancial Services
Market Cap32.88M
P/E RatioN/A
Dividend Yield2.00%
52 Week High17.3628
52 Week Low4.8012
Last AnnualDecember
IPO Date11/20/2019
IncorporatedUSA
Shares Outstanding4M
No. of Employees144
IndustryBanks - Regional
ExchangeNASDAQ
Beta0.308
CurrencyUSD
Websitewww.bayfirstfinancial.com
openbook

Stock research for everyday UK investors. Make smarter decisions, faster.

Questions? Email us at contact@openbookanalytics.com

© 2026 Openbook Analytics Ltd · Company No. SC843579 · Registered in Scotland

256-bit encryption GDPR compliant UK data centres

Openbook Analytics Ltd (Company No. SC843579) is registered in Scotland. Registered office: Strathclyde Inspire Hub, University of Strathclyde, Graham Hills Building (Level 6), 50 Richmond Street, Glasgow, G1 1XP. Openbook Analytics is not authorised or regulated by the Financial Conduct Authority (FCA). The content on this platform is provided for general informational and educational purposes only and does not constitute financial advice, investment advice, trading advice, or any other form of advice. You should not treat any content on this platform as a recommendation to buy, sell, or hold any financial instrument. Past performance is not a reliable indicator of future results. The value of investments and the income from them can go down as well as up, and you may get back less than you invest. User-generated content, including community posts and commentary, reflects the personal opinions of individual users, is not verified for accuracy, and does not represent the views of Openbook Analytics Ltd. You should always conduct your own research or consult a qualified, FCA-regulated financial adviser before making investment decisions. Data displayed on this platform may be delayed or inaccurate and is provided "as is" without warranty. Openbook Analytics Ltd accepts no liability for any loss arising from reliance on the information provided.