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BayFirst FinancialBAFN -0.47%56 Intrinsic Value: Projected FCF is $588.79 as of Aug. 15, 2026, which is 1177480% above its 10-year median of 0.05. GuruFocus rates BAFN with a GF Scoreâ„¢ of 56/100 and a GF Valueâ„¢ of $5.85 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,295 Banks companies, BayFirst Financial ranks better than 99.92% on this metric.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
As of today (2026-08-15), BayFirst Financial's Intrinsic Value: Projected FCF is $588.79. The stock price of BayFirst Financial is $6.41. Therefore, BayFirst Financial's Price-to-Intrinsic-Value-Projected-FCF of today is 0.0.
The historical rank and industry rank for BayFirst Financial's Intrinsic Value: Projected FCF or its related term are showing as below:
BAFN'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.01 Med: 0.05 Max: 0.95
Current: 0.01
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of BayFirst Financial was 0.95. The lowest was 0.01. And the median was 0.05.
BAFN's Price-to-Projected-FCF is ranked better than 99.92% of 1295
companies
in the Banks industry
Industry Median: 0.59
vs BAFN: 0.01
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
BayFirst Financial's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
6.41
/
588.78912479287
=
0.01
* 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 Intrinsic Value: Projected FCF Related Terms
BayFirst Financial Intrinsic Value: Projected FCF Historical Data
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The historical data trend for BayFirst Financial's Intrinsic Value: Projected 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.
BAFN vs JFWV, PFSB, CNBZ: Intrinsic Value: Projected FCF Comparison
For the Banks - Regional subindustry, BayFirst Financial's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-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 Price-to-Projected-FCF vs Banks Industry
For the Banks industry and Financial Services sector, BayFirst Financial's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where BayFirst Financial's Price-to-Projected-FCF falls into.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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.
What does a Intrinsic Value: Projected FCF of $588.79 mean?
BayFirst Financial (BAFN) has a Intrinsic Value: Projected FCF of $588.79 as of Aug. 15, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on BayFirst Financial and its competitors. This is 1177480% above median its historical median of 0.05. Over the past decade, BayFirst Financial's Intrinsic Value: Projected FCF has ranged from 0.01 to 0.95. According to the industry distribution chart, BayFirst Financial ranks #1 out of 1295 companies in the Banks industry, placing it in the top 0.099999999999994%.
Is BayFirst Financial's Intrinsic Value: Projected FCF too high?
BayFirst Financial's current Intrinsic Value: Projected FCF of $588.79 is 1177480% above median its 10-year median of 0.05. Over the past 10 years, this metric has ranged from a low of 0.01 to a high of 0.95. The Banks industry median Intrinsic Value: Projected FCF is 0.59. BayFirst Financial's value of $588.79 is 99694.9% above this industry median. Based on the distribution chart, BayFirst Financial ranks #1 out of 1295 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 56/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does BayFirst Financial's Intrinsic Value: Projected FCF compare to JFWV and PFSB?
According to the Banks industry distribution chart, BayFirst Financial ranks #1 out of 1295 companies for Intrinsic Value: Projected FCF. This places BayFirst Financial in the top 0% of its industry — outperforming the majority of peers. The industry median Intrinsic Value: Projected FCF is 0.59. BayFirst Financial's value of $588.79 is 99694.9% above this benchmark. Historically, BayFirst Financial's own Intrinsic Value: Projected FCF has ranged from 0.01 to 0.95 over the past decade. While the company's 10-year median is 0.05 vs. the industry median of 0.59, 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 Intrinsic Value: Projected FCF for a Banks company?
The median Intrinsic Value: Projected FCF among Banks companies is 0.59, based on 1,295 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. BayFirst Financial's current Intrinsic Value: Projected FCF of $588.79 is 99694.9% 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on BayFirst Financial and its competitors. For the Banks industry, the median Intrinsic Value: Projected FCF is 0.59 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BayFirst Financial's current Intrinsic Value: Projected FCF is $588.79, which is 1177480% above median its own 10-year median of 0.05. 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 $6.41 — trading 9.6% above its estimated fair value. The current Intrinsic Value: Projected FCF is $588.79, which is 1177480% above median its 10-year median of 0.05 and 99694.9% above the Banks industry median of 0.59. BayFirst Financial's overall GF Score™ is 56/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For BayFirst Financial (BAFN), the current Intrinsic Value: Projected FCF is $588.79 as of Aug. 15, 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 $6.41 is trading 9.6% above its estimated GF Value™ of $5.85.
GuruFocus considers BayFirst Financial to be Fairly Valued.
Key valuation signals for BAFN:
Intrinsic Value: Projected FCF: $588.79 (1177480% above median its 10-year median of 0.05)
GF Value™: $5.85 vs. price of $6.41 (9.6% above fair value)
Industry Position: 99694.9% above the Banks median (#1 of 1295)
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.
56GF Score
Get the complete analysis for BAFN
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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