Bayfirst Financial Valuation
| BAFN Stock | USD 14.55 0.29 2.03% |
At this time, the firm appears to be overvalued. Bayfirst Financial Corp shows a prevailing Real Value of $12.44 per share. The current price of the firm is $14.55. Our model approximates the value of Bayfirst Financial Corp from analyzing the firm fundamentals such as Return On Equity of 0.11, current valuation of 50.24 M, and Profit Margin of 0.14 % as well as examining its technical indicators and probability of bankruptcy.
Overvalued
Today
Please note that Bayfirst Financial's price fluctuation is somewhat reliable at this time. Calculation of the real value of Bayfirst Financial Corp is based on 3 months time horizon. Increasing Bayfirst Financial's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Since Bayfirst Financial is currently traded on the exchange, buyers and sellers on that exchange determine the market value of Bayfirst Stock. However, Bayfirst Financial's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 14.55 | Real 12.44 | Hype 14.49 | Naive 14.42 |
The intrinsic value of Bayfirst Financial's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, news, and other external factors that may influence Bayfirst Financial's stock price. It is important to note that the real value of any stock may change over time based on changes in the company's performance.
Estimating the potential upside or downside of Bayfirst Financial Corp helps investors to forecast how Bayfirst stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Bayfirst Financial more accurately as focusing exclusively on Bayfirst Financial's fundamentals will not take into account other important factors: Bayfirst Financial Total Value Analysis
Bayfirst Financial Corp is currently forecasted to have valuation of 50.24 M with market capitalization of 60.08 M, debt of 22.4 M, and cash on hands of 74.35 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the Bayfirst Financial fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
50.24 M | 60.08 M | 22.4 M | 74.35 M |
Bayfirst Financial Investor Information
About 15.0% of the company shares are held by company insiders. The company has price-to-book (P/B) ratio of 0.64. Some equities with similar Price to Book (P/B) outperform the market in the long run. Bayfirst Financial Corp last dividend was issued on the 30th of May 2025. The entity had 3:2 split on the 12th of May 2021. Bayfirst Financial Corp is not in a good financial situation at this time. It has a very high probability of going through financial hardship in August.Bayfirst Financial Asset Utilization
The concept of asset utilization usually refers to the revenue earned for every dollar of assets a company currently reports. The recent return on assets of Bayfirst suggests not a very effective usage of assets in July.Bayfirst Financial Ownership Allocation
The market capitalization of Bayfirst Financial Corp is $60.08 Million. Bayfirst Financial Corp shows 15.38 percent of its outstanding shares held by insiders and 14.82 percent owned by other corporate entities. Please take into account that even companies with profitable outlook can generate negative future returns on their equity. If the true value of the firm is less than the current market value, you may not be able generate positive returns on investment in the long run.Bayfirst Financial Profitability Analysis
The company reported the previous year's revenue of 125.24 M. Net Income was 12.67 M with profit before overhead, payroll, taxes, and interest of 80.17 M.Bayfirst Financial Past Distributions to stockholders
About Bayfirst Financial Valuation
We use absolute and relative valuation methodologies to arrive at the intrinsic value of Bayfirst Financial Corp. In general, an absolute valuation paradigm, as applied to this company, attempts to find the value of Bayfirst Financial Corp based exclusively on its fundamental and basic technical indicators. By analyzing Bayfirst Financial's financials, quarterly and monthly indicators, and their related drivers, we attempt to find the most accurate representation of Bayfirst Financial's intrinsic value. As compared to an absolute model, our relative valuation model uses a comparative analysis of Bayfirst Financial. We calculate exposure to Bayfirst Financial's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Bayfirst Financial's related companies.BayFirst Financial Corp. operates as the bank holding company for First Home Bank that provides commercial and consumer banking services for businesses and individuals. BayFirst Financial Corp. was founded in 1999 and is headquartered in Saint Petersburg, Florida. Bayfirst Financial operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 485 people.
A single share of Bayfirst Financial represents a small ownership stake in the entity. As a stockholder of Bayfirst, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
Bayfirst Financial Dividends Analysis For Valuation
Please note that Bayfirst Financial has scaled down on payment of dividends at this time.
There are various types of dividends Bayfirst Financial can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of Bayfirst shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from Bayfirst Financial Corp directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When Bayfirst pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of Bayfirst Financial by the value of the dividends paid out.
Bayfirst Financial Growth Indicators
Growth stocks usually refer to those companies expected to grow sales and earnings faster than the market average. Growth stocks typically don't pay dividends, often look expensive, and usually trading at a high P/E ratio. Nevertheless, such valuations could be relatively cheap if the company continues to grow, which will drive the share price up. However, since most investors are paying a high price for a growth stock, based on expectations, if those expectations are not fully realized, growth stocks can see dramatic declines.
| Common Stock Shares Outstanding | 4.2 M | |
| Quarterly Earnings Growth Y O Y | 6.094 |
Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Bayfirst Financial Corp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in census. You can also try the Top Crypto Exchanges module to search and analyze digital assets across top global cryptocurrency exchanges.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Bayfirst Financial. If investors know Bayfirst will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Bayfirst Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
The market value of Bayfirst Financial Corp is measured differently than its book value, which is the value of Bayfirst that is recorded on the company's balance sheet. Investors also form their own opinion of Bayfirst Financial's value that differs from its market value or its book value, called intrinsic value, which is Bayfirst Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Bayfirst Financial's market value can be influenced by many factors that don't directly affect Bayfirst Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Bayfirst Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if Bayfirst Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Bayfirst Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.