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XNASBAFN
Market cap55mUSD
Jan 08, Last price  
13.39USD
1D
1.06%
1Q
5.02%
IPO
-44.21%
Name

Bayfirst Financial Corp

Chart & Performance

D1W1MN
XNAS:BAFN chart
P/E
9.71
P/S
0.73
EPS
1.38
Div Yield, %
4.12%
Shrs. gr., 5y
10.03%
Rev. gr., 5y
10.12%
Revenues
76m
+30.95%
00200,000100,0001,100,000600,0001,700,0001,000,000900,0003,299,0003,531,9668,070,00019,855,00036,293,00046,769,00066,672,174123,815,325149,637,00057,839,00075,741,000
Net income
6m
+4.09%
1,200,000600,0001,500,0002,300,0004,600,0004,200,0004,700,0004,300,0004,700,000-130,000620,7452,285,0004,234,0005,473,000-1,205,0004,484,21412,703,00024,618,0005,478,0005,702,000
CFO
455m
+3.30%
900,0003,300,000-10,200,00016,300,0005,900,0003,800,0005,900,000257,680-1,948,0117,343,251-38,526,530-107,799,669101,212,000440,251,000454,797,000
Dividend
Aug 30, 20240.08 USD/sh

Profile

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.
URL
https://www.firsthomebank.com
IPO date
Jul 23, 2015
Employees
302
Domiciled in
US
Incorporated in
US

Valuation

Title
USD in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFYFY
2023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑12
Income
Revenues
75,741
30.95%
57,839
-61.35%
Cost of revenue
42,212
34,706
Unusual Expense (Income)
NOPBT
33,529
23,133
NOPBT Margin
44.27%
40.00%
Operating Taxes
2,119
1,560
Tax Rate
6.32%
6.74%
NOPAT
31,410
21,573
Net income
5,702
4.09%
5,478
-77.75%
Dividends
(2,278)
(2,119)
Dividend yield
3.81%
3.15%
Proceeds from repurchase of equity
276
516
BB yield
-0.46%
-0.77%
Debt
Debt current
6,382
Long-term debt
23,576
40,912
Deferred revenue
(13,101)
(8,373)
Other long-term liabilities
985,758
803,255
Net debt
(190,019)
(113,333)
Cash flow
Cash from operating activities
454,797
440,251
CAPEX
(7,582)
(8,064)
Cash from investing activities
(641,276)
(510,605)
Cash from financing activities
178,818
26,673
FCF
28,737
65,055
Balance
Cash
58,385
113,276
Long term investments
155,210
47,351
Excess cash
209,808
157,735
Stockholders' equity
100,707
92,062
Invested Capital
1,016,577
838,460
ROIC
3.39%
2.54%
ROCE
3.00%
2.46%
EV
Common stock shares outstanding
4,582
4,021
Price
13.05
-21.98%
16.72
-26.57%
Market cap
59,770
-11.10%
67,230
-27.48%
EV
(114,519)
(36,819)
EBITDA
40,281
28,106
EV/EBITDA
Interest
32,086
8,566
Interest/NOPBT
95.70%
37.03%