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BayFirst FinancialBAFN -0.95%55 Cash-to-Debt is 6.53 as of Mar. 2026, which is 83% above its 10-year median of 3.57. GuruFocus rates BAFN with a GF Score™ of 55/100 and a GF Value™ of $5.85 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,489 Banks companies, BayFirst Financial ranks better than 79.99% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. BayFirst Financial's cash to debt ratio for the quarter that ended in Mar. 2026 was 6.53.
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, BayFirst Financialcould pay off its debt using the cash in hand for the quarter that ended in Mar. 2026.
The historical rank and industry rank for BayFirst Financial's Cash-to-Debt or its related term are showing as below:
BAFN'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.96 Med: 3.57 Max: 11.33
Current: 6.53
During the past 13 years, BayFirst Financial's highest Cash to Debt Ratio was 11.33. The lowest was 0.96. And the median was 3.57.
BAFN's Cash-to-Debt is ranked better than 79.99% of 1489
companies
in the Banks industry
Industry Median: 1.37
vs BAFN: 6.53
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
BayFirst Financial Cash-to-Debt Related Terms
BayFirst Financial Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for BayFirst Financial's Cash-to-Debt 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.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, BayFirst Financial's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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 Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, BayFirst Financial's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where BayFirst Financial's Cash-to-Debt falls into.
* 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 (BAFN) has a Cash-to-Debt of 6.53 as of Mar. 2026. This is 83% above median its historical median of 3.57. Over the past decade, BayFirst Financial's Cash-to-Debt has ranged from 0.96 to 11.33. According to the industry distribution chart, BayFirst Financial ranks #298 out of 1489 companies in the Banks industry, placing it in the top 20%.
Is BayFirst Financial's Cash-to-Debt too high?
BayFirst Financial's current Cash-to-Debt of 6.53 is 83% above median its 10-year median of 3.57. Over the past 10 years, this metric has ranged from a low of 0.96 to a high of 11.33. The Banks industry median Cash-to-Debt is 1.37. BayFirst Financial's value of 6.53 is 376.6% above this industry median. Based on the distribution chart, BayFirst Financial ranks #298 out of 1489 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, BayFirst Financial has a GF Score™ of 55/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does BayFirst Financial's Cash-to-Debt compare to JFWV and PFSB?
According to the Banks industry distribution chart, BayFirst Financial ranks #298 out of 1489 companies for Cash-to-Debt. This places BayFirst Financial in the top 20% of its industry — outperforming the majority of peers. The industry median Cash-to-Debt is 1.37. BayFirst Financial's value of 6.53 is 376.6% above this benchmark. Historically, BayFirst Financial's own Cash-to-Debt has ranged from 0.96 to 11.33 over the past decade. While the company's 10-year median is 3.57 vs. the industry median of 1.37, BayFirst Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.37, based on 1,489 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. BayFirst Financial's current Cash-to-Debt of 6.53 is 376.6% 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 Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.37 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BayFirst Financial's current Cash-to-Debt is 6.53, which is 83% above median its own 10-year median of 3.57. 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 Fairly Valued. The stock's GF Value™ is $5.85, compared to a current price of $6.20 — trading 6% above its estimated fair value. The current Cash-to-Debt is 6.53, which is 83% above median its 10-year median of 3.57 and 376.6% above the Banks industry median of 1.37. BayFirst Financial's overall GF Score™ is 55/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For BayFirst Financial (BAFN), the current Cash-to-Debt is 6.53 as of Mar. 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 $6.20 is trading 6% above its estimated GF Value™ of $5.85.
GuruFocus considers BayFirst Financial to be Fairly Valued.
Key valuation signals for BAFN:
Cash-to-Debt: 6.53 (83% above median its 10-year median of 3.57)
GF Value™: $5.85 vs. price of $6.20 (6% above fair value)
Industry Position: 376.6% above the Banks median (#298 of 1489)
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.
55GF Score
Get the complete analysis for BAFN
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