EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, BayFirst Financial's Enterprise Value is $-73.41 Mil.
BayFirst Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $207.69 Mil. Therefore, BayFirst Financial's EV-to-FCF for today is -0.35.
The historical rank and industry rank for BayFirst Financial's EV-to-FCF or its related term are showing as below:
BAFN'
s EV-to-FCF Range Over the Past 10 Years
Min: -0.52 Med: 0.09 Max: 36.68
Current: -0.35
During the past 13 years, the highest EV-to-FCF of BayFirst Financial was 36.68. The lowest was -0.52. And the median was 0.09.
BAFN's EV-to-FCF is ranked better than 87.09% of 1193
companies
in the Banks industry
Industry Median: 6.52
vs BAFN: -0.35
EV-to-FCF 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-FCF 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 $4.61.
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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
BayFirst Financial EV-to-FCF Related Terms
BayFirst Financial EV-to-FCF Historical Data
* Premium members only.
The historical data trend for BayFirst Financial's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Banks Industry
For the Banks industry and Financial Services sector, BayFirst Financial's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where BayFirst Financial's EV-to-FCF falls into.
BayFirst Financial's current Enterprise Value is $-73.41 Mil.
BayFirst Financial's Free Cash Flow 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 $207.69 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-FCF of -0.35 as of Jun. 25, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on BayFirst Financial and its competitors. According to the industry distribution chart, BayFirst Financial ranks #154 out of 1193 companies in the Banks industry, placing it in the top 12.9%.
Is BayFirst Financial's EV-to-FCF too high?
BayFirst Financial's current EV-to-FCF is -0.35. Based on the distribution chart, BayFirst Financial ranks #154 out of 1193 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 Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does BayFirst Financial's EV-to-FCF compare to PWBK and FBPA?
According to the Banks industry distribution chart, BayFirst Financial ranks #154 out of 1193 companies for EV-to-FCF. This places BayFirst Financial in the top 13% of its industry — outperforming the majority of peers. The industry median EV-to-FCF is 6.52. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.52, based on 1,193 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on BayFirst Financial and its competitors. For the Banks industry, the median EV-to-FCF is 6.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BayFirst Financial's current EV-to-FCF is -0.35. 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 Modestly Undervalued. The stock's GF Value™ is $5.85, compared to a current price of $4.61 — trading 21.2% below its estimated fair value. The current EV-to-FCF is -0.35. BayFirst Financial's overall GF Score™ is 55/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For BayFirst Financial (BAFN), the current EV-to-FCF is -0.35 as of Jun. 25, 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 undervalued.
The current stock price of $4.61 is trading 21.2% below its estimated GF Value™ of $5.85.
GuruFocus considers BayFirst Financial to be Modestly Undervalued.
Key valuation signals for BAFN:
EV-to-FCF: -0.35
GF Value™: $5.85 vs. price of $4.61 (21.2% below 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
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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