Business Description
BayFirst Financial Corp
NAICS : 522120
SIC : 6035
ISIN : US32050L1052
Description
BayFirst Financial Corp is a one bank holding company, it generates its revenue from interest on loans and the gain-on-sale income derived from the sale of loans into the secondary market. The company serves a broad spectrum of individuals, families, and small businesses, supported by national business lines in residential and SBA lending and technology platforms. The primary source of funding for its loans is deposits. BayFirst measures performance through net interest income after provision for loan losses, return on average assets, and return on average common equity, while maintaining appropriate regulatory leverage and risk-based capital ratios.
Financial Strength
4/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Cash-To-Debt | 3.01 | |||||
| Equity-to-Asset | 0.09 | |||||
| Debt-to-Equity | 0.21 | |||||
| Debt-to-EBITDA | N/A |
N/A
|
N/A
| |||
| Interest Coverage | N/A |
N/A
|
N/A
| |||
| Piotroski F-Score | 7/9 | |||||
| Beneish M-Score | -3.69 | |||||
| WACC vs ROIC | ||||||
Growth Rank
1/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 3-Year Revenue Growth Rate | -17.8 | |||||
| 3-Year EPS without NRI Growth Rate | -26.2 | |||||
| 3-Year Book Growth Rate | 8.5 |
Momentum Rank
8/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 5-Day RSI | 51.78 | |||||
| 9-Day RSI | 49.6 | |||||
| 14-Day RSI | 49.95 | |||||
| 6-1 Month Momentum % | 31.41 | |||||
| 12-1 Month Momentum % | -14.22 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Dividend Yield % | 2.53 | |||||
| Dividend Payout Ratio | 0.27 | |||||
| 3-Year Dividend Growth Rate | 6.2 | |||||
| Forward Dividend Yield % | 2.53 | |||||
| 5-Year Yield-on-Cost % | 3.24 | |||||
| 3-Year Average Share Buyback Ratio | -5.7 | |||||
| Shareholder Yield % | 17.84 |
Profitability Rank
4/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Net Margin % | 7.24 | |||||
| FCF Margin % | 567.81 | |||||
| ROE % | 6.09 | |||||
| ROA % | 0.53 | |||||
| Years of Profitability over Past 10-Year | 8 |
GF Value Rank
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| PE Ratio | 11.01 | |||||
| PE Ratio without NRI | 10.55 | |||||
| Shiller PE Ratio | 6.06 | |||||
| PEG Ratio | 0.84 | |||||
| PS Ratio | 0.71 | |||||
| PB Ratio | 0.61 | |||||
| Price-to-Tangible-Book | 0.74 | |||||
| Price-to-Free-Cash-Flow | 0.13 | |||||
| Price-to-Operating-Cash-Flow | 0.13 | |||||
| EV-to-Revenue | 0.33 | |||||
| EV-to-FCF | 0.06 | |||||
| Price-to-Projected-FCF | 0.03 | |||||
| Price-to-Peter-Lynch-Fair-Value | 0.84 | |||||
| Price-to-Graham-Number | 0.59 | |||||
| FCF Yield % | 854.31 | |||||
| Forward Rate of Return (Yacktman) % | 3.35 |
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