Latest revenue
$10.3M
as of 2026-03-31
Latest net income
—
as of 2026-03-31
Net margin
—
as of 2026-03-31
ActaClear Score
Computed from 5 years of SEC fundamentals + latest market data, ranked within State Commercial Banks (212 peers). 10 = best in industry, 5 = median, 0 = worst. Refreshed Jun 7, 2026.
Community sentiment
Where do you think BAFN is heading?
Price · 5Y
Live market
delayed ≤15 min- Market cap
- $22.3M
- Enterprise value
- $16.9M
- P/E (trailing)
- —
- Forward P/E
- —
- P/B
- 0.27×
- Dividend yield
- 0.0%
- 52-wk high
- $15.50
- 52-wk low
- $4.80
- Beta
- —
- Shares out
- 4.1M
5-year trend
What this company does
Item 1. Business BayFirst Financial Corp. BayFirst Financial Corp. is a bank holding company that operates through its wholly owned subsidiary, BayFirst National Bank (the “Bank”), together referred to as “the Company” or “BayFirst”. BayFirst commenced its bank holding company operations on September 1, 2000, by acquiring all shares of the Bank. BayFirst’s primary source of income is from the Bank, which serves a broad spectrum of consumers and small businesses in the Tampa Bay/Sarasota region. BayFirst strives to be a progressive institution in its products and services, technology, design, and social responsibility. As of December 31, 2025, BayFirst had consolidated total assets of $1.30…
AI summary unavailable — showing raw filing excerpt
Generated from BAFN's filing dated 2026-03-27
Key risks
Item 1A. Risk Factors Our business and results of operations are subject to numerous risks and uncertainties, many of which are beyond our control. The material risks and uncertainties that management believes affect the Company are described below. Additional risks and uncertainties that management is not aware of or that management currently deems immaterial may also impair the Company’s business operations. This report is qualified in its entirety by these risk factors. If any of the following risks actually occur, our business, financial condition and results of operations could be materially and adversely affected. If this were to happen, the value of our securities could decline…
AI summary unavailable — showing raw filing excerpt
Generated from BAFN's filing dated 2026-03-27
Profitability
Net margin
-23.0%
354.4%Return on equity
-20.7%
265.2%Return on assets
-920.1%
281.6%Leverage
Debt / equity
-0.98×
0.2%Long-term debt / equity
0.01×
25.2%Debt / assets
-4349.3%
10.2%Earnings tracker
| Quarter | Revenue | YoY | Net income | YoY | Net margin |
|---|---|---|---|---|---|
Q1 2026 2026-03-31 | $10.3M | -47.7% | — | — | — |
Q4 2025 2025-12-31 | $28.0M | -48.2% | $-2.5M | -125.2% | -8.8% |
Q3 2025 2025-09-30 | $19.7M | -39.9% | $-18.9M | -1762.4% | -96.1% |
Q2 2025 2025-06-30 | $32.3M | +9.1% | $-1.2M | -242.8% | -3.8% |
Q1 2025 2025-03-31 | $19.8M | -14.2% | $-335.0K | -140.7% | -1.7% |
Q4 2024 2024-12-31 | $54.0M | — | $9.8M | — | 18.1% |
Q3 2024 2024-09-30 | $32.7M | +6.5% | $1.1M | -40.9% | 3.5% |
Q2 2024 2024-06-30 | $29.6M | +8.3% | $866.0K | -37.5% | 2.9% |
Year-over-year change vs the same fiscal quarter one year prior. Revenue + net income sourced from SEC 10-Q / 10-K filings — no analyst-consensus dependency.
Industry trend
State Commercial Banks · SIC 6022
Your notes
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Insider activity
Insider buying
$0
Insider selling
$0
Net activity
+$0
Distinct insiders
0
Open-market trades over the last 365 days.
Recent transactions
| Date | Insider | Type | Shares | Price | Value |
|---|
Source: SEC Form 4 filings. Officers, directors, and 10%+ owners must disclose share transactions within two business days. RSU grants and tax-withholding rows are excluded by default — compensation activity is not a trading signal.
Who owns BAFN
Institutional value
$2.0M
Total shares held
317.0K
Distinct holders
8
-7 vs prior
As of
2026-03-31
Prior: 2025-12-31
Filers with $100M+ AUM disclose holdings 45 days after quarter end.
Top institutional holders
| # | Manager | Shares | Value | QoQ change | Action |
|---|---|---|---|---|---|
| 1 | VANGUARD CAPITAL MANAGEMENT LLC | 148.6K | $943.8K | — | New |
| 2 | BlackRock, Inc. | 51.7K | $328.5K | +2.4K (+4.8%) | Added |
| 3 | SALZHAUER MICHAEL | 34.6K | $219.7K | -19.3K (-35.8%) | Trimmed |
| 4 | STIFEL FINANCIAL CORP | 31.2K | $198.1K | +8.0K (+34.5%) | Added |
| 5 | VANGUARD FIDUCIARY TRUST CO | 21.2K | $134.4K | — | New |
| 6 | Tactive Advisors, LLC | 15.5K | $98.2K | — | New |
| 7 | LPL Financial LLC | 12.8K | $81.4K | +0 (+0.0%) | No change |
| 8 | Vanguard Global Advisers, LLC | 1.4K | $9.0K | — | New |
Source: SEC Form 13F-HR. Positions aggregated across sub-managers within each firm. Options (puts/calls) excluded — common stock only.
Top questions investors are asking
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