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.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, BayFirst Financial's Enterprise Value is $-64.12 Mil.
BayFirst Financial's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 was $207.93 Mil. Therefore, BayFirst Financial's EV-to-OCF for today is -0.31.
The historical rank and industry rank for BayFirst Financial's EV-to-OCF or its related term are showing as below:
BAFN'
s EV-to-OCF Range Over the Past 10 Years
Min: -0.52 Med: 0.09 Max: 26.56
Current: -0.31
During the past 13 years, the highest EV-to-OCF of BayFirst Financial was 26.56. The lowest was -0.52. And the median was 0.09.
BAFN's EV-to-OCF is ranked better than 71.76% of 1498
companies
in the Banks industry
Industry Median: 4.04
vs BAFN: -0.31
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
BayFirst Financial's PE Ratio (TTM) for today is calculated as:
BayFirst Financial's share price for today is $6.34.
BayFirst Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $-5.524.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
BayFirst Financial EV-to-OCF Related Terms
BayFirst Financial EV-to-OCF Historical Data
* Premium members only.
The historical data trend for BayFirst Financial's EV-to-OCF 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.
For the Banks - Regional subindustry, BayFirst Financial's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, BayFirst Financial's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where BayFirst Financial's EV-to-OCF falls into.
BayFirst Financial's current Enterprise Value is $-64.12 Mil.
BayFirst Financial's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $207.93 Mil.
* 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 EV-to-OCF of -0.31 as of Aug. 09, 2026. According to the industry distribution chart, BayFirst Financial ranks #423 out of 1498 companies in the Banks industry, placing it in the top 28.2%.
Is BayFirst Financial's EV-to-OCF too high?
BayFirst Financial's current EV-to-OCF is -0.31. Based on the distribution chart, BayFirst Financial ranks #423 out of 1498 companies in the Banks industry, which is above the industry midpoint. Overall, BayFirst Financial has a GF Score™ of 54/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does BayFirst Financial's EV-to-OCF compare to JFWV and PFSB?
According to the Banks industry distribution chart, BayFirst Financial ranks #423 out of 1498 companies for EV-to-OCF. This puts BayFirst Financial in the upper half of its industry. The industry median EV-to-OCF is 4.04. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 4.04, based on 1,498 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 4.04 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BayFirst Financial's current EV-to-OCF is -0.31. 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 $6.34 — trading 8.4% above its estimated fair value. The current EV-to-OCF is -0.31. BayFirst Financial's overall GF Score™ is 54/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For BayFirst Financial (BAFN), the current EV-to-OCF is -0.31 as of Aug. 09, 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 $6.34 is trading 8.4% above its estimated GF Value™ of $5.85.
GuruFocus considers BayFirst Financial to be Fairly Valued.
Key valuation signals for BAFN:
EV-to-OCF: -0.31
GF Value™: $5.85 vs. price of $6.34 (8.4% 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.
54GF Score
Get the complete analysis for BAFN
EV-to-OCF 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 
