US · BAFN
BayFirst Financial Corp.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Saint Petersburg, FL 33701
- Website
- firsthomebank.com
Price · as of 2025-12-31
$6.37
Market cap 27.21M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $260.71 | +3,992.78% |
| Intrinsic Value(DCF) | $2.63 | -58.71% |
| Graham-Dodd Method(GD) | — | — |
| Graham Formula(GF) | $44.10 | +592.35% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | |||||
| 2012 | |||||
| 2013 | $0.42 | $0.24 | |||
| 2014 | $1.24 | $0.99 | |||
| 2015 | |||||
| 2016 | |||||
| 2017 | |||||
| 2018 | $7.37 | $0.00 | |||
| 2019 | $17.06 | $86.97 | |||
| 2020 | $18.49 | $42.26 | $567,458.56 | $31.45 | $309.88 |
| 2021 | $21.03 | $1,929.67 | $2,267.24 | $49.57 | $0.00 |
| 2022 | $16.74 | $171.59 | $443.35 | $14.33 | $0.00 |
| 2023 | $12.62 | $163.33 | $91.47 | $23.27 | $100.83 |
| 2024 | $18.21 | $131.34 | $393.17 | $31.69 | $62.71 |
| 2025 | $6.57 | $260.71 | $0.00 | $0.00 | $44.10 |
AI valuation
Our deep-learning model estimates BayFirst Financial Corp.'s (BAFN) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $260.71
- Current price
- $6.37
- AI upside
- +3,992.78%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$2.63
-58.71% upside
Graham-Dodd
—
— upside
Graham Formula
$44.10
+592.35% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| BAFN | BayFirst Financial Corp. | $6.37 | 27.21M | +3,993% | -59% | — | +592% | -1.18 | 0.31 | 0.26 | -0.87 | — | 0.36 | 38.00% | -29.59% | -22.01% | -23.11% | -34.87% | -1.77% | 0.39 | -0.77 | 0.13 | 0.13 | -0.94 | -34523.00% | -1681.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | -0.87 | — | 0.26 | -0.23 |
| HFBL | Home Federal Bancorp, Inc… | $19.02 | 58.46M | +52% | +68% | -19% | -64% | — | 0.75 | 1.27 | -1.06 | — | 0.80 | 63.92% | 14.39% | 12.02% | 0.00% | 30.94% | 0.00% | 0.07 | 0.39 | 0.93 | 0.93 | -2.22 | 769.00% | -288.00% | -157446.00% | 13.17% | 0.01 | 43.18% | 3.95% | — | 18.94% | -1.38 | -1.18 | -0.20 | 0.09 |
| ICMB | Investcorp Credit Managem… | $2.90 | 41.82M | — | +16% | +24% | +135% | 3.28 | 0.51 | 1.70 | — | — | 0.51 | 100.00% | 65.00% | 51.98% | — | — | — | 1.57 | — | 2.05 | 0.44 | — | — | — | — | -34.13% | -1.88 | — | 14.48% | 47.50% | 14.48% | 10.65 | -11.90 | 6.92 | -0.27 |
| KFFB | Kentucky First Federal Ba… | $4.59 | 37.12M | +4,454% | +78% | +33% | — | 140.05 | 0.52 | 2.88 | — | — | 0.52 | 100.00% | 100.00% | 2.06% | 0.38% | 8.84% | 0.05% | 0.88 | 0.81 | — | — | — | -10952.00% | -4674.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 110.95% | 4.40 | — | 4.40 | 0.24 |
| MBBC | Marathon Bancorp, Inc. | $14.04 | 41.26M | +3,556,414% | +17,465% | +118,240% | +9,828,873% | 0.68 | 0.00 | 0.00 | — | — | 0.00 | 0.00% | 0.00% | 0.44% | 0.19% | 0.00% | 0.04% | 0.00 | 0.00 | — | — | — | -11667.00% | 9393615.00% | 2367660.00% | -1533.02% | — | -2.29% | 0.00% | 0.00% | 7857.70% | — | 16.87 | -0.78 | 0.23 |
| MDBH | MDB Capital Holdings, LLC… | $3.13 | 31.09M | +2,561% | -6% | +828% | — | 2.48 | 0.41 | 12.95 | 0.73 | — | 0.41 | -803.21% | -1289.38% | 526.52% | 21.59% | -68.11% | 20.18% | 0.01 | -399.73 | 19.80 | 17.21 | -1.60 | -40698.00% | -4754.00% | 1174.00% | -29.53% | -7.58 | -20.20% | 0.00% | 0.00% | 55.75% | -0.32 | -1.06 | 4.07 | 8.19 |
| PBBK | PB Bankshares, Inc. | $19.81 | 47.04M | +1,370% | +14% | +25% | -3% | 21.55 | 0.78 | 1.58 | -1.37 | — | 0.78 | 48.81% | 9.31% | 7.34% | 3.71% | 15.66% | 0.40% | 0.90 | 0.18 | 0.25 | 0.25 | 2.69 | -130.00% | 1775.00% | -5563.00% | 3.77% | 0.01 | 12.71% | 0.00% | 0.00% | 82.72% | -1.58 | -2.47 | -0.15 | -0.50 |
| TCBS | Texas Community Bancshare… | $16.70 | 48.68M | +348% | -4% | -22% | — | -35.74 | 0.90 | 2.24 | -6.29 | -42.89 | 0.90 | 51.72% | -8.55% | -6.26% | -2.47% | -8.00% | -0.29% | 0.96 | -0.18 | 0.27 | 0.27 | -29.89 | 8333.00% | 779.00% | -12234.00% | 1.59% | 0.01 | 4.54% | 1.08% | -38.60% | 53.86% | -4.27 | 10.27 | 0.36 | -0.46 |
| TECTP | Tectonic Financial, Inc. | $9.99 | 40.48M | +309% | +199% | +29% | +241% | 4.75 | 0.58 | 0.92 | — | — | 0.72 | 100.00% | 41.90% | 19.29% | 12.65% | 20.82% | 1.81% | 0.19 | — | — | — | — | -1016.00% | 966.00% | 15876.00% | -131.33% | — | -78.53% | 7.08% | 33.60% | 11.55% | 2.05 | -0.71 | 0.86 | 0.40 |
About BayFirst Financial Corp.
BayFirst Financial Corp. operates as the bank holding company for First Home Bank that provides commercial and consumer banking services for businesses and individuals. The company offers checking and savings accounts, and certificates of deposit. It also provides home loans, including residential mortgages, home equity loans, and home equity lines of credit; and business lending services comprising minority lending programs, PPP loan forgiveness services, SBA loans, and commercial lending services. In addition, the company offers treasury management, merchant, online, and investment services; and credit cards. As of January 26, 2022, it operated seven full-service office locations in St. Petersburg, Seminole, Pinellas Park, Clearwater, Sarasota, Tampa, and Belleair Bluffs, Florida; and 23 mortgage loan production offices. The company was formerly known as First Home Bancorp, Inc. and changed its name to BayFirst Financial Corp. in May 2021. BayFirst Financial Corp. was founded in 1999 and is headquartered in Saint Petersburg, Florida.
- CEO
- Thomas G. Zernick
- Employees
- 305
- Beta
- 0.30
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($2.63 ÷ $6.37) − 1 = -58.71% (DCF, example).