Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
BayFirst FinancialBAFN -0.41%47 Operating Cash Flow per Share is $27.26 as of Jun. 2026. GuruFocus rates BAFN with a GF Score™ of 47/100 and a GF Value™ of $2.86 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,067 Banks companies, BayFirst Financial ranks worse than 68.42% on this metric.
BayFirst Financial's operating cash flow per share for the
three
months ended in Jun. 2026 was $-0.08.
BayFirst Financial's operating cash flow per share for the trailing twelve months (TTM) ended in Jun. 2026 was $27.26.
During the past 12 months, the average Operating Cash Flow per Share Growth Rate of BayFirst Financial was -55.40% per year.
During the past 3 years, the average Operating Cash Flow per Share Growth Rate was -12.50% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the OCF Growth Rate using Operating Cash Flow per Share data.
The historical rank and industry rank for BayFirst Financial's Operating Cash Flow per Share or its related term are showing as below:
BAFN'
s 3-Year OCF Growth Rate Range Over the Past 10 Years
Min: -64.9 Med: -7.9 Max: 261.1
Current: -12.5
During the past 13 years, BayFirst Financial's highest 3-Year average Operating Cash Flow per Share Growth Rate was 261.10% per year. The lowest was -64.90% per year. And the median was -7.90% per year.
BAFN's 3-Year OCF Growth Rate is ranked worse than 68.42% of 1067
companies
in the Banks industry
Industry Median: 0.4
vs BAFN: -12.50
BayFirst Financial Operating Cash Flow per Share Related Terms
BayFirst Financial Operating Cash Flow per Share Historical Data
* Premium members only.
The historical data trend for BayFirst Financial's Operating Cash Flow per Share can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
BayFirst Financial Operating Cash Flow per Share Chart
BAFN vs MNSB, PLQC, TRCY: Operating Cash Flow per Share Comparison
For the Banks - Regional subindustry, BayFirst Financial's Price-to-Operating-Cash-Flow, along with its competitors' market caps and Price-to-Operating-Cash-Flow data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
BayFirst Financial Price-to-Operating-Cash-Flow vs Banks Industry
For the Banks industry and Financial Services sector, BayFirst Financial's Price-to-Operating-Cash-Flow distribution charts can be found below:
* The bar in red indicates where BayFirst Financial's Price-to-Operating-Cash-Flow falls into.
Operating Cash Flow per Share for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $27.26
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
What does a Operating Cash Flow per Share of $27.26 mean?
BayFirst Financial (BAFN) has a Operating Cash Flow per Share of $27.26 as of Jun. 2026. Operating cash flow per share equals the per-share amount of cash flow from operations. View historical data on BayFirst Financial and its competitors. According to the industry distribution chart, BayFirst Financial ranks #730 out of 1067 companies in the Banks industry, placing it in the top 68.4%.
Is BayFirst Financial's Operating Cash Flow per Share too high?
BayFirst Financial's current Operating Cash Flow per Share is $27.26. The Banks industry median Operating Cash Flow per Share is 0.40. BayFirst Financial's value of $27.26 is 6715% above this industry median. Based on the distribution chart, BayFirst Financial ranks #730 out of 1067 companies in the Banks industry, which is below the industry midpoint. Overall, BayFirst Financial has a GF Score™ of 47/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does BayFirst Financial's Operating Cash Flow per Share compare to MNSB and PLQC?
According to the Banks industry distribution chart, BayFirst Financial ranks #730 out of 1067 companies for Operating Cash Flow per Share. This places BayFirst Financial in the lower half of its industry. The industry median Operating Cash Flow per Share is 0.40. BayFirst Financial's value of $27.26 is 6715% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Operating Cash Flow per Share for a Banks company?
The median Operating Cash Flow per Share among Banks companies is 0.40, based on 1,067 companies in the industry. Companies in the top quartile (top 25%) have a Operating Cash Flow per Share significantly above this median, while those in the bottom quartile fall well below. However, Operating Cash Flow per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. BayFirst Financial's current Operating Cash Flow per Share of $27.26 is 6715% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Operating Cash Flow per Share mean?
A high Operating Cash Flow per Share can signal that a stock is expensive relative to its fundamentals. Operating cash flow per share equals the per-share amount of cash flow from operations. View historical data on BayFirst Financial and its competitors. For the Banks industry, the median Operating Cash Flow per Share is 0.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BayFirst Financial's current Operating Cash Flow per Share is $27.26. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BayFirst Financial stock overvalued right now?
Based on GuruFocus' analysis, BayFirst Financial (BAFN) is currently considered Significantly Overvalued. The stock's GF Value™ is $2.86, compared to a current price of $7.20 — trading 151.7% above its estimated fair value. The current Operating Cash Flow per Share is $27.26 and 6715% above the Banks industry median of 0.40. BayFirst Financial's overall GF Score™ is 47/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Operating Cash Flow per Share calculated?
Operating Cash Flow per Share is calculated from a company's financial statements. For BayFirst Financial (BAFN), the current Operating Cash Flow per Share is $27.26 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is BayFirst Financial (BAFN) Overvalued in 2026?
Based on GuruFocus' analysis, BayFirst Financial stock appears to be overvalued.
The current stock price of $7.20 is trading 151.7% above its estimated GF Value™ of $2.86.
GuruFocus considers BayFirst Financial to be Significantly Overvalued.
Key valuation signals for BAFN:
Operating Cash Flow per Share: $27.26
GF Value™: $2.86 vs. price of $7.20 (151.7% above fair value)
Industry Position: 6715% above the Banks median (#730 of 1067)
No single metric tells the full story. See the BAFN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
BayFirst Financial Corp is a bank holding company that operates through its wholly owned subsidiary. The Company generates the majority of its revenue from interest on loans and noninterest income. The primary sources of funding for its loans are loan payments, deposits, and borrowings. It is dependent on noninterest income, which is derived from net gain on the sales of the guaranteed portion of government-guaranteed loans and service fee income. The company provides personal banking and business banking services.
47GF Score
Get the complete analysis for BAFN
Operating Cash Flow per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BAFN has been successfully added to your 
