BAFN BayFirst Financial Corp
Price (delayed)
$18.33
Market cap
$75.76M
P/E Ratio
25.11
Dividend/share
$0.32
EPS
$0.73
Enterprise value
$31.65M
Highlights
BAFN's equity is up by 9% year-on-year
BAFN's revenue is up by 7% year-on-year
The debt has soared by 80% YoY but it has plunged by 69% from the previous quarter
The P/E is 90% above the last 4 quarters average of 13.2
The company's EPS fell by 35% YoY and by 25% QoQ
Key stats
What are the main financial stats of BAFN
Market
Valuations
Earnings
Shares outstanding
4.13M
Market cap
$75.76M
Enterprise value
$31.65M
Price to earnings (P/E)
25.11
Price to book (P/B)
0.74
Price to sales (P/S)
0.99
EV/EBIT
5.08
EV/EBITDA
3.69
EV/Sales
0.42
Revenue
$76.22M
Gross profit
$76.22M
Operating income
$6.3M
Net income
$4.48M
EBIT
$6.23M
EBITDA
$8.58M
Free cash flow
$417.23M
Per share
Balance sheet
Liquidity
EPS
$0.73
EPS diluted
$0.7
Free cash flow per share
$100.92
Book value per share
$24.74
Revenue per share
$18.44
TBVPS
$301.17
Total assets
$1.25B
Total liabilities
$1.14B
Debt
$20.27M
Equity
$102.29M
Working capital
N/A
Debt to equity
0.2
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-5.14
Margins
Efficiency
Dividend
EBITDA margin
11.3%
Gross margin
100%
Net margin
5.9%
Operating margin
8.3%
Return on assets
0.3%
Return on equity
3%
Return on invested capital
0.5%
Return on capital employed
N/A
Return on sales
8.2%
Dividend yield
1.75%
DPS
$0.32
Payout ratio
43.8%
BAFN stock price
How has the BayFirst Financial stock price performed over time
Intraday
-1.77%
1 week
7.86%
1 month
16.6%
1 year
45.48%
YTD
37.82%
QTD
37.82%
Financial performance
How have BayFirst Financial's revenue and profit performed over time
Revenue
$76.22M
Gross profit
$76.22M
Operating income
$6.3M
Net income
$4.48M
Gross margin
100%
Net margin
5.9%
BayFirst Financial's operating margin has decreased by 30% YoY and by 13% QoQ
The operating income has declined by 25% year-on-year and by 15% since the previous quarter
The net margin has contracted by 21% YoY and by 13% from the previous quarter
The company's net income fell by 17% YoY and by 15% QoQ
Growth
What is BayFirst Financial's growth rate over time
Valuation
What is BayFirst Financial stock price valuation
P/E
25.11
P/B
0.74
P/S
0.99
EV/EBIT
5.08
EV/EBITDA
3.69
EV/Sales
0.42
The P/E is 90% above the last 4 quarters average of 13.2
The company's EPS fell by 35% YoY and by 25% QoQ
The stock's price to book (P/B) is 48% more than its last 4 quarters average of 0.5
BAFN's equity is up by 9% year-on-year
The stock's price to sales (P/S) is 41% more than its last 4 quarters average of 0.7
BAFN's revenue is up by 7% year-on-year
Efficiency
How efficient is BayFirst Financial business performance
BAFN's ROE is down by 39% YoY and by 25% from the previous quarter
The ROIC has contracted by 38% YoY and by 29% from the previous quarter
BAFN's return on assets is down by 25% year-on-year
The company's return on sales fell by 22% YoY and by 13% QoQ
Dividends
What is BAFN's dividend history
DPS
$0.32
Dividend yield
1.75%
Payout ratio
43.8%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did BayFirst Financial financials performed over time
The total assets is 9% greater than the total liabilities
The total assets has increased by 10% year-on-year and by 2.2% since the previous quarter
BayFirst Financial's total liabilities has increased by 10% YoY and by 2.3% QoQ
The debt is 80% less than the equity
The debt has soared by 80% YoY but it has plunged by 69% from the previous quarter
The company's debt to equity has shrunk by 69% QoQ but it has surged by 67% YoY
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.