BayFirst FinancialBAFN +1.77%55 FCF Yield % is 839.36 as of Jun. 25, 2026, which is 16% above its 10-year median of 722.72. GuruFocus rates BAFN with a GF Score™ of 55/100 and a GF Value™ of $5.85 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 1,504 Banks companies, BayFirst Financial ranks better than 99.73% on this metric.
FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
BayFirst Financial FCF Yield % Related Terms
BayFirst Financial FCF Yield % Historical Data
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The historical data trend for BayFirst Financial's FCF Yield % 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 FCF Yield %, along with its competitors' market caps and FCF Yield % 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 FCF Yield % vs Banks Industry
For the Banks industry and Financial Services sector, BayFirst Financial's FCF Yield % distribution charts can be found below:
* The bar in red indicates where BayFirst Financial's FCF Yield % 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 FCF Yield % of 839.36 as of Jun. 25, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on BayFirst Financial and its competitors. This is 16% above median its historical median of 722.72. Over the past decade, BayFirst Financial's FCF Yield % has ranged from 1.60 to 1,235.92. According to the industry distribution chart, BayFirst Financial ranks #4 out of 1504 companies in the Banks industry, placing it in the top 0.3%.
Is BayFirst Financial's FCF Yield % too high?
BayFirst Financial's current FCF Yield % of 839.36 is 16% above median its 10-year median of 722.72. Over the past 10 years, this metric has ranged from a low of 1.60 to a high of 1,235.92. The Banks industry median FCF Yield % is 8.24. BayFirst Financial's value of 839.36 is 10086.4% above this industry median. Based on the distribution chart, BayFirst Financial ranks #4 out of 1504 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 FCF Yield % compare to PWBK and FBPA?
According to the Banks industry distribution chart, BayFirst Financial ranks #4 out of 1504 companies for FCF Yield %. This places BayFirst Financial in the top 0% of its industry — outperforming the majority of peers. The industry median FCF Yield % is 8.24. BayFirst Financial's value of 839.36 is 10086.4% above this benchmark. Historically, BayFirst Financial's own FCF Yield % has ranged from 1.60 to 1,235.92 over the past decade. While the company's 10-year median is 722.72 vs. the industry median of 8.24, 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 FCF Yield % for a Banks company?
The median FCF Yield % among Banks companies is 8.24, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. BayFirst Financial's current FCF Yield % of 839.36 is 10086.4% 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 FCF Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on BayFirst Financial and its competitors. For the Banks industry, the median FCF Yield % is 8.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BayFirst Financial's current FCF Yield % is 839.36, which is 16% above median its own 10-year median of 722.72. 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 $4.66 — trading 20.3% below its estimated fair value. The current FCF Yield % is 839.36, which is 16% above median its 10-year median of 722.72 and 10086.4% above the Banks industry median of 8.24. 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 FCF Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For BayFirst Financial (BAFN), the current FCF Yield % is 839.36 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 $4.66 is trading 20.3% below its estimated GF Value™ of $5.85.
GuruFocus considers BayFirst Financial to be Modestly Undervalued.
Key valuation signals for BAFN:
FCF Yield %: 839.36 (16% above median its 10-year median of 722.72)
GF Value™: $5.85 vs. price of $4.66 (20.3% below fair value)
Industry Position: 10086.4% above the Banks median (#4 of 1504)
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
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