BayFirst Financial Corp. BAFN | NASDAQ
$6.81
-$0.40 | -5.55%
SIGNAL:
|2026-09-23
|F&G 66
|RSI 42.4
|2026-09-23
|F&G 66
|RSI 42.4
Company Overview:
Market Cap:
$183.62M
Trailing PE:
N/A
FWD PE:
—
Payout Ratio (TTM):
—
52-Week Range:
$4.26 - $10.75
6.9 Year BAFN Performance Metrics:
Total Return (with DRIP):
-57.0% (-11.52% CAGR)
Total Return (no DRIP):
-52.9% (-10.35% CAGR)
Share Price:
-60.2% (-12.49% CAGR)
Yield on Cost (with DRIP):
2.02%
Total Invested:
$10,000
Total Value (with DRIP):
$4,298
Total Return $ (with DRIP):
-$5,702
Dividend Increase:
14.3% (3.16% CAGR)
Dividend Yield (FWD):
4.70% ($0.32)
BAFN 6.9-yr Total Return ($10K invested)
1M
3M
6M
YTD
1Y
3Y
5Y
10Y
BAFN Share Price
1M
3M
6M
YTD
1Y
3Y
5Y
10Y
All
BAFN Price CAGR:1Y: -34.89%2Y: -28.04%5Y: -25.21%10Y: -12.56%
BAFN Dividend Charts
BAFN Dividend CAGR:1Y: 0.00%2Y: 0.00%5Y: 3.16%10Y: 3.16%
BAFN Dividend Payout Ratio CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
BAFN Dividend to FCF Ratio CAGR:1Y: 4,123.61%2Y: 624.70%5Y: 142.80%10Y: 0.00%
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BAFN Fundamentals: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:
BAFN Revenue CAGR:1Y: -68.92%2Y: -43.68%5Y: -24.94%10Y: 47.21%
BAFN EPS CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
BAFN Net Income CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
BAFN EBITDA CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
BAFN Free Cash Flow CAGR:1Y: -94.91%2Y: -79.75%5Y: -48.53%10Y: 0.00%
BAFN Free Cash Flow / Share CAGR:1Y: -94.87%2Y: -80.02%5Y: -49.24%10Y: 0.00%
BAFN Operating Income CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
BAFN Gross Profit CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
BAFN Shares Outstanding CAGR:1Y: -1.04%2Y: 1.33%5Y: -1.03%10Y: -7.11%
BAFN Share Buybacks CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
BAFN Stock-Based Comp CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
BAFN Expenses CAGR:1Y: -96.37%2Y: -86.60%5Y: -70.65%10Y: -28.48%
Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:
BAFN Actual Revenue CAGR:1Y: -68.92%2Y: -43.68%5Y: -24.94%10Y: 47.21%
BAFN Actual EPS CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
BAFN Actual Net Income CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
BAFN Actual EBITDA CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
Ratios, Profit Margins & Return on Capital:
BAFN Net Profit Margin CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
BAFN Gross Profit Margin CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
BAFN Price to Earnings CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
BAFN Price To Sales Ratio CAGR:1Y: 14.03%2Y: 17.96%5Y: -0.97%10Y: -44.07%
BAFN Return on Capital Employed CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
BAFN Return on Invested Capital CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
BAFN Dividends Info:
Annual Dividend:
$0.32
Forward Yield:
4.7%
Ex-Dividend Date:
2025-05-30
Lifetime Dividends / Share:
$1.47
BAFN Dividend History: Dates, Payments & Yield list
Below is a schedule of all BAFN dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield
| Ex-Date | Payment Date | Amount | Yield | Forward Yield | Price on Ex-Date |
|---|---|---|---|---|---|
| 05/30/2025 | 06/02/2025 | $0.080 | 1.96% | 2.12% | $15.12 |
| 02/28/2025 | 03/03/2025 | $0.080 | 1.73% | 1.72% | $18.64 |
| 11/29/2024 | 12/02/2024 | $0.080 | 2.42% | 2.42% | $13.20 |
| 08/30/2024 | 09/02/2024 | $0.080 | 2.3% | 2.38% | $13.46 |
| 05/31/2024 | 06/03/2024 | $0.080 | 2.84% | 2.81% | $11.38 |
| 02/29/2024 | 03/04/2024 | $0.080 | 2.44% | 2.51% | $12.75 |
| 11/30/2023 | 12/04/2023 | $0.080 | 3.15% | 3.02% | $10.61 |
| 08/31/2023 | 09/04/2023 | $0.080 | 2.35% | 2.37% | $13.50 |
| 05/31/2023 | 06/02/2023 | $0.080 | 2.18% | 2.24% | $14.30 |
| 02/28/2023 | 03/02/2023 | $0.080 | 1.72% | 1.75% | $18.25 |
| 11/30/2022 | 12/15/2022 | $0.080 | 1.99% | 2.05% | $15.62 |
| 08/31/2022 | 09/15/2022 | $0.080 | 1.7% | 1.73% | $18.49 |
| 05/31/2022 | 06/15/2022 | $0.080 | 1.96% | 2.02% | $15.85 |
| 02/28/2022 | 03/15/2022 | $0.080 | 1.48% | 1.47% | $21.75 |
| 11/12/2021 | 12/15/2021 | $0.070 | 1% | 1.15% | $24.29 |
| 08/12/2021 | 09/15/2021 | $0.070 | 1.04% | 1% | $28.10 |
| 05/13/2021 | 05/20/2021 | $0.070 | 1.19% | 1.19% | $23.50 |
| 02/11/2021 | 03/15/2021 | $0.067 | 1.45% | 1.32% | $20.17 |
| 06/16/2021 | 11/30/-0001 | $0.070 | 1.19% | 1.19% | $23.50 |
Projected Future Returns & Dividends for BAFN
Based on past 6.9-year performance, here are BAFN growth metrics:
Share price CAGR of -12.49%
Dividend CAGR of +4.42%
Using BAFN CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:
| BAFN (DRIP) | BAFN - No DRIP | |
|---|---|---|
| Current Price | $6.81 | $6.81 |
| Start Shares | 1,468.43 | 1,468.43 |
| Start Value | $10,000 | $10,000 |
| After 10 years: | ||
| Final Share Count | 4,471.03 | 1,468.43 |
| Dividends Payment | $0.10 | $0.10 |
| Annual Dividends | $1,798 | $591 |
| Yield on cost | 17.98% | 5.91% |
| Share Price | $1.79 | $1.79 |
| Total Dividends | $9,061 | $5,607 |
| Final Value | $8,018 | $8,240 |
Estimated Future Value + Dividends - BAFN
NOTE: Above numbers are our estimate based on BAFN's Dividend and Price CAGR over past 6.9 years.
These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.
We cannot guarantee that your actual returns will meet these estimates.
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Company Info
BayFirst Financial Corp. (BAFN) had its IPO on 2021-01-08, and is traded on NASDAQ stock exchange.
Founded in 1999 and headquartered in Saint Petersburg, Florida, BayFirst Financial Corp. functions as the parent entity for First Home Bank. This financial institution offers a comprehensive array of commercial and consumer banking solutions for both businesses and individual clients. Its product portfolio includes various deposit accounts such as checking, savings, and certificates of deposit. Borrowers can access a range of home financing options, including residential mortgages, home equity loans, and home equity lines of credit. For businesses, specialized lending programs are available, encompassing minority lending initiatives, PPP loan forgiveness services, SBA loans, and general commercial lending. Furthermore, the company provides treasury management, merchant services, online banking, investment products, and credit cards. As of January 26, 2022, BayFirst Financial Corp. operated seven full-service branch locations across Florida in St. Petersburg, Seminole, Pinellas Park, Clearwater, Sarasota, Tampa, and Belleair Bluffs, alongside 23 mortgage loan production offices. The firm adopted its current name in May 2021, having previously operated as First Home Bancorp, Inc.
BAFN website: https://www.bayfirstfinancial.com
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DCF Model — BAFN
Value from:
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The full DCF valuation — fair value, implied growth and the price path — is a paid feature.
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Pay up to today
—
vs current price $6.81
—
Cash flow & implied price by year
FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.
EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.
Free cash flow today
—
grows for the next years
Then mature
—
every future dollar counted back to today
Pile of today-dollars
—
÷ shares
Implied price path
| Year | FCF | Implied price |
|---|
Sensitivity — fair value: growth ↓ × target return →
