BAFN (BayFirst Financial) Margin of Safety % (DCF FCF Based): N/A (As of Jun. 25, 2026)


BAFN BayFirst Financial Corp BAFN
55 GF Score
Price $4.55
GF Value $5.85
Valuation Modestly Undervalued
! 1 Warning Sign
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What is BayFirst Financial Margin of Safety % (DCF FCF Based)?

Margin of Safety % (DCF FCF Based) = (Intrinsic Value: DCF (FCF Based) - Current Price) / Intrinsic Value: DCF (FCF Based).

Note: Discounted FCF model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

BayFirst Financial's Predictability Rank is 1-Star. Thus, the DCF related results in the screener and portfolio will appear as zero and Margin of Safety % (DCF FCF Based) is not calculated.

BAFN vs PWBK, FBPA, WOBK: Margin of Safety % (DCF FCF Based) Comparison

For the Banks - Regional subindustry, BayFirst Financial's Margin of Safety % (DCF FCF Based), along with its competitors' market caps and Margin of Safety % (DCF FCF Based) 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 Margin of Safety % (DCF FCF Based) vs Banks Industry

For the Banks industry and Financial Services sector, BayFirst Financial's Margin of Safety % (DCF FCF Based) distribution charts can be found below:

* The bar in red indicates where BayFirst Financial's Margin of Safety % (DCF FCF Based) falls into.


BAFN
55GF Score
BayFirst Financial Corp BAFN
Margin of Safety % (DCF FCF Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Is BayFirst Financial (BAFN) Overvalued in 2026?

Based on GuruFocus' analysis, BayFirst Financial stock appears to be undervalued. The current stock price of $4.55 is trading 22.2% below its estimated GF Value™ of $5.85. GuruFocus considers BayFirst Financial to be Modestly Undervalued.

Key valuation signals for BAFN:

  • Margin of Safety % (DCF FCF Based): N/A
  • GF Value™: $5.85 vs. price of $4.55 (22.2% below fair value)
  • GF Score™: 55/100 with 1 warning sign

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 Business Description

Address 700 Central Avenue, Suite 100, Saint Petersburg, FL, USA, 33701
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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Margin of Safety % (DCF FCF Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$4.55
Price
$5.85
GF Value