Bayfirst Financial (BAFN) Stock Price
Bayfirst Financial Price
Revenue has compounded at 8.0% per year over the past 38 years to 64.18 M USD. Earnings per share have grown at 5.5% per year over the last 37 years. Bayfirst Financial's net margin stands at -38.1%, down from 40.3% several years earlier. Bayfirst Financial currently offers a dividend yield of about 2.78%. The stock trades about 26% above its 52-week low.
Bayfirst Financial stock price
Details
Stock Price
ⓘHow to Read This Chart
This chart tracks the historical stock price of Bayfirst Financial over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.
Total Return vs. Price Return
The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.
Intraday Price Data
When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how Bayfirst Financial stock reacts to market openings, earnings releases, or breaking news throughout the trading session.
What to Look For
Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing Bayfirst Financial's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.
| Date | Bayfirst Financial Price |
|---|---|
| 7/22/2026 | 5.75 USD |
| 7/21/2026 | 5.65 USD |
| 7/20/2026 | 5.69 USD |
| 7/17/2026 | 5.72 USD |
| 7/16/2026 | 5.75 USD |
| 7/15/2026 | 5.71 USD |
| 7/14/2026 | 5.50 USD |
| 7/13/2026 | 5.39 USD |
| 7/10/2026 | 5.42 USD |
| 7/9/2026 | 5.68 USD |
| 7/8/2026 | 5.20 USD |
| 7/7/2026 | 5.38 USD |
| 7/6/2026 | 5.31 USD |
| 7/2/2026 | 5.39 USD |
| 7/1/2026 | 5.23 USD |
| 6/30/2026 | 5.00 USD |
| 6/29/2026 | 4.87 USD |
| 6/26/2026 | 4.99 USD |
| 6/25/2026 | 4.61 USD |
| 6/24/2026 | 4.55 USD |
| 6/23/2026 | 4.65 USD |
| 6/22/2026 | 4.92 USD |
| 6/18/2026 | 4.96 USD |
| 6/17/2026 | 5.03 USD |
| 6/16/2026 | 4.98 USD |
| 6/15/2026 | 4.95 USD |
| 6/12/2026 | 5.07 USD |
| 6/11/2026 | 5.28 USD |
| 6/10/2026 | 5.65 USD |
| 6/9/2026 | 5.65 USD |
| 6/8/2026 | 5.56 USD |
| 6/5/2026 | 5.40 USD |
| 6/4/2026 | 5.43 USD |
| 6/3/2026 | 5.61 USD |
| 6/2/2026 | 5.81 USD |
| 6/1/2026 | 5.91 USD |
| 5/29/2026 | 6.20 USD |
| 5/28/2026 | 6.13 USD |
| 5/27/2026 | 6.30 USD |
| 5/26/2026 | 6.30 USD |
| 5/22/2026 | 6.39 USD |
| 5/21/2026 | 6.20 USD |
| 5/20/2026 | 6.06 USD |
| 5/19/2026 | 6.07 USD |
| 5/18/2026 | 6.30 USD |
| 5/15/2026 | 6.49 USD |
| 5/14/2026 | 6.52 USD |
| 5/13/2026 | 6.79 USD |
| 5/12/2026 | 6.95 USD |
| 5/11/2026 | 6.60 USD |
| 5/8/2026 | 6.92 USD |
| 5/7/2026 | 7.17 USD |
| 5/6/2026 | 7.18 USD |
| 5/5/2026 | 7.20 USD |
| 5/4/2026 | 6.81 USD |
| 5/1/2026 | 6.37 USD |
| 4/30/2026 | 8.33 USD |
| 4/29/2026 | 8.00 USD |
| 4/28/2026 | 8.00 USD |
| 4/27/2026 | 8.12 USD |
| 4/24/2026 | 8.00 USD |
| 4/23/2026 | 8.50 USD |
| 4/22/2026 | 8.48 USD |
| 4/21/2026 | 7.90 USD |
| 4/20/2026 | 7.80 USD |
| 4/17/2026 | 7.82 USD |
| 4/16/2026 | 7.46 USD |
| 4/15/2026 | 7.45 USD |
| 4/14/2026 | 7.26 USD |
| 4/13/2026 | 7.11 USD |
| 4/10/2026 | 6.86 USD |
| 4/9/2026 | 6.82 USD |
| 4/8/2026 | 6.85 USD |
| 4/7/2026 | 6.61 USD |
| 4/6/2026 | 6.84 USD |
| 4/2/2026 | 6.76 USD |
| 4/1/2026 | 6.47 USD |
| 3/31/2026 | 6.35 USD |
| 3/30/2026 | 6.12 USD |
| 3/27/2026 | 6.34 USD |
| 3/26/2026 | 6.51 USD |
| 3/25/2026 | 6.20 USD |
| 3/24/2026 | 6.01 USD |
| 3/23/2026 | 5.98 USD |
| 3/20/2026 | 5.86 USD |
| 3/19/2026 | 5.88 USD |
| 3/18/2026 | 5.77 USD |
| 3/17/2026 | 6.01 USD |
| 3/16/2026 | 5.28 USD |
| 3/13/2026 | 5.61 USD |
| 3/12/2026 | 5.90 USD |
| 3/11/2026 | 5.50 USD |
| 3/10/2026 | 5.98 USD |
| 3/9/2026 | 5.71 USD |
| 3/6/2026 | 6.32 USD |
| 3/5/2026 | 6.30 USD |
| 3/4/2026 | 6.38 USD |
| 3/3/2026 | 6.24 USD |
| 3/2/2026 | 6.57 USD |
| 2/27/2026 | 6.62 USD |
| 2/26/2026 | 6.90 USD |
| 2/25/2026 | 7.13 USD |
| 2/24/2026 | 6.61 USD |
| 2/23/2026 | 6.81 USD |
| 2/20/2026 | 6.75 USD |
| 2/19/2026 | 6.90 USD |
| 2/18/2026 | 7.05 USD |
| 2/17/2026 | 7.07 USD |
| 2/13/2026 | 7.51 USD |
| 2/12/2026 | 7.39 USD |
| 2/11/2026 | 6.95 USD |
| 2/10/2026 | 7.04 USD |
| 2/9/2026 | 7.27 USD |
| 2/6/2026 | 6.76 USD |
| 2/5/2026 | 6.47 USD |
| 2/4/2026 | 6.69 USD |
| 2/3/2026 | 6.65 USD |
| 2/2/2026 | 6.68 USD |
| 1/30/2026 | 6.81 USD |
| 1/29/2026 | 6.52 USD |
| 1/28/2026 | 6.80 USD |
| 1/27/2026 | 6.74 USD |
| 1/26/2026 | 6.82 USD |
| 1/23/2026 | 6.70 USD |
| 1/22/2026 | 6.75 USD |
| 1/21/2026 | 6.53 USD |
| 1/20/2026 | 6.10 USD |
| 1/16/2026 | 6.03 USD |
| 1/15/2026 | 6.03 USD |
| 1/14/2026 | 6.12 USD |
| 1/13/2026 | 6.20 USD |
| 1/12/2026 | 6.75 USD |
| 1/9/2026 | 7.38 USD |
| 1/8/2026 | 7.57 USD |
| 1/7/2026 | 7.75 USD |
| 1/6/2026 | 7.72 USD |
| 1/5/2026 | 8.00 USD |
| 1/2/2026 | 7.87 USD |
| 12/31/2025 | 7.85 USD |
| 12/30/2025 | 7.72 USD |
| 12/29/2025 | 7.70 USD |
| 12/26/2025 | 7.80 USD |
| 12/24/2025 | 7.81 USD |
| 12/23/2025 | 7.81 USD |
| 12/22/2025 | 7.94 USD |
| 12/19/2025 | 7.80 USD |
| 12/18/2025 | 7.95 USD |
| 12/17/2025 | 7.86 USD |
| 12/16/2025 | 7.90 USD |
| 12/15/2025 | 7.96 USD |
| 12/12/2025 | 8.10 USD |
| 12/11/2025 | 8.09 USD |
| 12/10/2025 | 8.05 USD |
| 12/9/2025 | 7.90 USD |
| 12/8/2025 | 7.95 USD |
| 12/5/2025 | 8.00 USD |
| 12/4/2025 | 7.90 USD |
| 12/3/2025 | 7.95 USD |
| 12/2/2025 | 7.90 USD |
| 12/1/2025 | 7.90 USD |
| 11/28/2025 | 7.93 USD |
| 11/26/2025 | 7.90 USD |
| 11/25/2025 | 8.00 USD |
| 11/24/2025 | 8.00 USD |
| 11/21/2025 | 7.95 USD |
| 11/20/2025 | 7.95 USD |
| 11/19/2025 | 8.09 USD |
| 11/18/2025 | 8.10 USD |
| 11/17/2025 | 8.13 USD |
| 11/14/2025 | 8.35 USD |
| 11/13/2025 | 8.30 USD |
| 11/12/2025 | 8.25 USD |
| 11/11/2025 | 8.25 USD |
| 11/10/2025 | 8.34 USD |
| 11/7/2025 | 8.31 USD |
| 11/6/2025 | 8.37 USD |
| 11/5/2025 | 8.58 USD |
| 11/4/2025 | 8.65 USD |
| 11/3/2025 | 9.30 USD |
| 10/31/2025 | 8.90 USD |
| 10/30/2025 | 9.11 USD |
| 10/29/2025 | 9.70 USD |
| 10/28/2025 | 9.41 USD |
| 10/27/2025 | 9.41 USD |
| 10/24/2025 | 9.41 USD |
| 10/23/2025 | 9.30 USD |
| 10/22/2025 | 9.53 USD |
| 10/21/2025 | 9.66 USD |
| 10/20/2025 | 9.38 USD |
| 10/17/2025 | 9.51 USD |
| 10/16/2025 | 9.56 USD |
| 10/15/2025 | 9.50 USD |
| 10/14/2025 | 9.33 USD |
| 10/13/2025 | 9.25 USD |
| 10/10/2025 | 9.81 USD |
| 10/9/2025 | 10.00 USD |
| 10/8/2025 | 10.09 USD |
| 10/7/2025 | 10.25 USD |
| 10/6/2025 | 10.40 USD |
| 10/3/2025 | 10.38 USD |
| 10/2/2025 | 10.09 USD |
| 10/1/2025 | 10.04 USD |
| 9/30/2025 | 10.46 USD |
| 9/29/2025 | 10.37 USD |
| 9/26/2025 | 8.90 USD |
| 9/25/2025 | 8.50 USD |
| 9/24/2025 | 8.49 USD |
| 9/23/2025 | 8.39 USD |
| 9/22/2025 | 8.42 USD |
| 9/19/2025 | 8.50 USD |
| 9/18/2025 | 8.60 USD |
| 9/17/2025 | 8.51 USD |
| 9/16/2025 | 8.00 USD |
| 9/15/2025 | 8.57 USD |
| 9/12/2025 | 8.45 USD |
| 9/11/2025 | 8.55 USD |
| 9/10/2025 | 8.49 USD |
| 9/9/2025 | 8.44 USD |
| 9/8/2025 | 8.95 USD |
| 9/5/2025 | 9.00 USD |
| 9/4/2025 | 8.90 USD |
| 9/3/2025 | 8.81 USD |
| 9/2/2025 | 8.68 USD |
| 8/29/2025 | 9.02 USD |
| 8/28/2025 | 9.44 USD |
| 8/27/2025 | 9.37 USD |
| 8/26/2025 | 9.30 USD |
| 8/25/2025 | 9.61 USD |
| 8/22/2025 | 8.29 USD |
| 8/21/2025 | 6.63 USD |
| 8/20/2025 | 7.73 USD |
| 8/19/2025 | 8.46 USD |
| 8/18/2025 | 8.52 USD |
| 8/15/2025 | 9.25 USD |
| 8/14/2025 | 9.65 USD |
| 8/13/2025 | 10.07 USD |
| 8/12/2025 | 9.34 USD |
| 8/11/2025 | 10.27 USD |
| 8/8/2025 | 11.90 USD |
| 8/7/2025 | 12.25 USD |
| 8/6/2025 | 12.30 USD |
| 8/5/2025 | 12.30 USD |
| 8/4/2025 | 13.05 USD |
| 8/1/2025 | 13.00 USD |
| 7/31/2025 | 12.69 USD |
| 7/30/2025 | 13.69 USD |
| 7/29/2025 | 15.15 USD |
| 7/28/2025 | 15.27 USD |
| 7/25/2025 | 14.50 USD |
| 7/24/2025 | 14.95 USD |
Bayfirst Financial Revenue, Pre-Provision Profit, Net Income
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Bayfirst Financial Income Statement, Balance Sheet, Cash Flow Statement
| REVENUEM USD |
|---|
| REVENUE GROWTH% |
| Net Interest IncomeM USD |
| Non-Interest IncomeM USD |
| Loan Loss ProvisionsM USD |
| Pre-Provision Profit (PPOP)M USD |
| NET INCOMEM USD |
| NET INCOME GROWTH% |
| DIVIDENDDIV.USD |
| SHARESM |
| 1989 | 1990 | 1991 | 1992 | 1993 | 1994 | 1995 | 1996 | 1997 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 15.00 | 16.00 | 20.00 | 22.00 | 26.00 | 28.00 | 34.00 | 37.00 | 40.00 | 78.00 | 141.00 | 65.00 | 70.00 | 118.00 | 143.00 | 104.00 |
| 25.00 | 6.67 | 25.00 | 10.00 | 18.18 | 7.69 | 21.43 | 8.82 | 8.11 | 95.00 | 80.77 | -53.90 | 7.69 | 68.57 | 21.19 | -27.27 |
| 3.80 | 4.50 | 6.70 | 9.80 | 12.40 | 12.90 | 13.50 | 15.10 | 15.30 | 17.40 | 33.50 | 36.50 | 30.00 | 36.43 | 38.03 | 45.79 |
| 1.50 | 1.10 | 1.00 | 1.00 | 1.80 | 1.20 | 2.30 | 1.40 | 1.30 | 53.10 | 97.70 | 22.00 | 31.60 | 49.76 | 60.47 | 18.40 |
| 0.60 | 0.70 | 0.50 | 0.70 | 0.70 | 0.60 | 0.60 | 0.40 | 0.40 | 8.90 | 16.90 | -3.50 | -0.70 | 10.45 | 14.73 | 24.59 |
| 2.70 | 1.90 | 3.10 | 4.80 | 7.20 | 7.20 | 7.90 | 5.70 | 7.50 | 15.10 | 32.70 | 8.20 | 6.40 | 18.48 | 31.71 | -6.24 |
| 1.00 | – | 1.00 | 2.00 | 4.00 | 4.00 | 4.00 | 4.00 | 4.00 | 4.00 | 11.00 | 23.00 | -1.00 | 4.00 | 11.00 | -24.00 |
| – | – | – | 100.00 | 100.00 | – | – | – | – | – | 175.00 | 109.09 | -104.35 | -500.00 | 175.00 | -318.18 |
| – | – | – | – | – | – | – | – | – | – | – | – | 0.32 | 0.32 | 0.32 | 0.32 |
| 2.40 | 2.40 | 2.60 | 2.60 | 2.60 | 2.70 | 2.70 | 2.70 | 2.80 | 3.20 | 4.00 | 4.10 | 4.00 | 4.58 | 4.59 | 4.13 |
Details
Income Statement Key Figures
ⓘRevenue and Revenue Growth
Revenue is the starting point of every income statement — it measures the total sales Bayfirst Financial generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.
Gross Margin
Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue Bayfirst Financial retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare Bayfirst Financial's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.
EBIT and EBIT Margin
EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.
Net Income and Earnings Per Share (EPS)
Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.
Shares Outstanding
The total number of shares Bayfirst Financial has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.
Analyst Estimates
The projected figures represent consensus estimates from professional analysts. Compare these forecasts against Bayfirst Financial's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.
Bayfirst Financial stock margins
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Bayfirst Financial Revenue per Share, Earnings per Share
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Bayfirst Financial business model & stock analysis
Bayfirst Financial SWOT Analysis
Strengths
Bayfirst Financial Corp possesses several strengths that contribute to its success:
- Strong market reputation and brand recognition
- Diverse range of financial products and services
- Experienced and knowledgeable team of professionals
- Excellent customer service and relationship management
- Technological infrastructure and digital capabilities
- Strong financial performance and profitability
Weaknesses
Despite its strengths, Bayfirst Financial Corp faces certain weaknesses that need to be addressed:
- Relatively small market share compared to competitors
- Limited geographic presence
- Dependency on key individuals within the organization
- Slow adoption of emerging technologies
- Constraints in adapting to rapidly changing regulatory environment
Opportunities
Bayfirst Financial Corp can leverage the following opportunities to drive growth and expansion:
- Increase market share through targeted marketing and advertising campaigns
- Expansion into new geographical markets
- Introduction of innovative financial products and services
- Integration of advanced technologies to enhance operational efficiency
- Capitalizing on emerging trends in the financial industry
Threats
Bayfirst Financial Corp should be cautious of the following threats that could affect its performance:
- Intense competition from established financial institutions
- Economic downturns and volatility in financial markets
- Increasing regulatory compliance requirements
- Cybersecurity risks and data breaches
- Changing customer preferences and expectations
Bayfirst Financial Eulerpool Fair Value
Details
Fair Value Estimate
ⓘWhat Is Fair Value?
Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.
Earnings-Based Fair Value
Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.
Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021
Revenue-Based Fair Value
Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"
Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021
Dividend-Based Fair Value
Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.
Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021
How to Use This Chart
When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.
Bayfirst Financial historical P/E ratio, EBIT multiple, and P/S ratio
Bayfirst Financial annual returns
Details
Annual Return
ⓘWhat This Chart Shows
This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.
Price Return
Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.
Dividend Return
Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.
What to Look For
Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.
Bayfirst Financial shares outstanding
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Bayfirst Financial stock splits
Bayfirst Financial Dividend History
4 years of dividend payments
Bayfirst Financial dividend history and estimates
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Bayfirst Financial dividend payout ratio
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Bayfirst Financial shareholder structure
| % | Name |
|---|---|
6.96873% | |
3.04798% | |
3.04759% | |
2.16793% | |
1.71124% | |
1.67582% |
Bayfirst Financial Executives and Management Board
Mr. Thomas Zernick
(61)Chief Executive Officer, Director · since 2016
Mrs. Robin Oliver
(48)President, Chief Operating Officer of Company and Bank
Mr. Scott Mckim
(54)Chief Financial Officer and Executive Vice President of Company and Bank
Mr. Anthony Leo
(64)Director · since 2013
Mr. Anthony Saravanos
(53)Independent Chairman of the Board
Frequently asked questions about Bayfirst Financial
The business model of Bayfirst Financial Corp revolves around providing comprehensive financial services to its clients. As a trusted financial institution, Bayfirst Financial Corp offers an array of solutions, including wealth management, investment advisory, corporate financing, and insurance services. With a focus on delivering personalized and client-centered strategies, Bayfirst Financial Corp strives to help individuals and businesses achieve their financial goals. By leveraging their expertise and industry knowledge, the company aims to optimize returns and manage risks effectively. Bayfirst Financial Corp's commitment to exceptional service and innovative solutions contributes to its success in the financial market.
Bayfirst Financial stock
Bayfirst Financial Peer Group
Bayfirst Financial Ticker
Bayfirst Financial FIGI
All fundamentals and in-depth analysis of Bayfirst Financial
Our stock analysis for Bayfirst Financial stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Bayfirst Financial. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.