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The historical data trend for BayFirst Financial's Debt-to-Asset 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.
BAFN vs FPBC, MNBO, GTPS: Debt-to-Asset Comparison
For the Banks - Regional subindustry, BayFirst Financial's Debt-to-Asset, along with its competitors' market caps and Debt-to-Asset 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 Debt-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, BayFirst Financial's Debt-to-Asset distribution charts can be found below:
* The bar in red indicates where BayFirst Financial's Debt-to-Asset 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 Debt-to-Asset of 0.02 as of Mar. 2026. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on BayFirst Financial and its competitors.
Is BayFirst Financial's Debt-to-Asset too high?
BayFirst Financial's current Debt-to-Asset is 0.02. 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 Debt-to-Asset compare to FPBC and MNBO?
BayFirst Financial's Debt-to-Asset of 0.02 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Asset for a Banks company?
A good Debt-to-Asset depends on the Banks industry context. However, Debt-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Asset mean?
A high Debt-to-Asset can signal that a stock is expensive relative to its fundamentals. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on BayFirst Financial and its competitors. BayFirst Financial's current Debt-to-Asset is 0.02. 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 $5.97 — trading 2.1% above its estimated fair value. The current Debt-to-Asset is 0.02. 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 Debt-to-Asset calculated?
Debt-to-Asset is calculated from a company's financial statements. For BayFirst Financial (BAFN), the current Debt-to-Asset is 0.02 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 $5.97 is trading 2.1% above its estimated GF Value™ of $5.85.
GuruFocus considers BayFirst Financial to be Fairly Valued.
Key valuation signals for BAFN:
Debt-to-Asset: 0.02
GF Value™: $5.85 vs. price of $5.97 (2.1% above fair value)
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
Debt-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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