Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities, calculated as total liabilities divided by total asset. BayFirst Financial's Total Liabilities for the quarter that ended in Mar. 2026 was $1,114.04 Mil. BayFirst Financial's Total Assets for the quarter that ended in Mar. 2026 was $1,195.91 Mil.
Therefore, BayFirst Financial's Liabilities-to-Assets Ratio for the quarter that ended in Mar. 2026 was 0.93.
Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities. It can vary greatly across different industries, as they have different capital structure. A high Liabilities-to-Assets ratio (more leveraged) suggests that the company might have potential solvency problems, or even a signal of financial distress. Conversely, a low Liabilities-to-Assets ratio usually indicates a healthy financial situation. However, it may also suggest that the company is not expanding or not making good use of debt.
BayFirst Financial Liabilities-to-Assets Related Terms
BayFirst Financial Liabilities-to-Assets Historical Data
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The historical data trend for BayFirst Financial's Liabilities-to-Assets 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: Liabilities-to-Assets Comparison
For the Banks - Regional subindustry, BayFirst Financial's Liabilities-to-Assets, along with its competitors' market caps and Liabilities-to-Assets 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 Liabilities-to-Assets vs Banks Industry
For the Banks industry and Financial Services sector, BayFirst Financial's Liabilities-to-Assets distribution charts can be found below:
* The bar in red indicates where BayFirst Financial's Liabilities-to-Assets falls into.
Liabilities-to-Assets ratio measures the portion of the total liabilities to the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Liabilities-to-Assets ratio is calculated by dividing total liabilities by total asset.
BayFirst Financial's Liabilities-to-Assets Ratio for the fiscal year that ended in Dec. 2025 is calculated as:
* 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 Liabilities-to-Assets of 0.93 as of Mar. 2026. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on BayFirst Financial and its competitors.
Is BayFirst Financial's Liabilities-to-Assets too high?
BayFirst Financial's current Liabilities-to-Assets is 0.93. 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 Liabilities-to-Assets compare to FPBC and MNBO?
BayFirst Financial's Liabilities-to-Assets of 0.93 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 Liabilities-to-Assets for a Banks company?
A good Liabilities-to-Assets depends on the Banks industry context. However, Liabilities-to-Assets 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 Liabilities-to-Assets mean?
A high Liabilities-to-Assets can signal that a stock is expensive relative to its fundamentals. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on BayFirst Financial and its competitors. BayFirst Financial's current Liabilities-to-Assets is 0.93. 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 $5.43 — trading 7.2% below its estimated fair value. The current Liabilities-to-Assets is 0.93. 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 Liabilities-to-Assets calculated?
Liabilities-to-Assets is calculated from a company's financial statements. For BayFirst Financial (BAFN), the current Liabilities-to-Assets is 0.93 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 undervalued.
The current stock price of $5.43 is trading 7.2% below its estimated GF Value™ of $5.85.
GuruFocus considers BayFirst Financial to be Fairly Valued.
Key valuation signals for BAFN:
Liabilities-to-Assets: 0.93
GF Value™: $5.85 vs. price of $5.43 (7.2% 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
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Liabilities-to-Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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