The historical rank and industry rank for BayFirst Financial's Net Margin % or its related term are showing as below:
BAFN'
s Net Margin % Range Over the Past 10 Years
Min: -64.35 Med: 8.67 Max: 43.92
Current: -64.35
BAFN's Net Margin % is ranked worse than 99.15% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs BAFN: -64.35
BayFirst Financial (NAS:BAFN) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
BayFirst Financial Net Margin % Related Terms
BayFirst Financial Net Margin % Historical Data
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The historical data trend for BayFirst Financial's Net Margin % 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 Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, BayFirst Financial's Net Margin % distribution charts can be found below:
* The bar in red indicates where BayFirst Financial's Net Margin % 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 Net Margin % of -87.60% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on BayFirst Financial and its competitors. According to the industry distribution chart, BayFirst Financial ranks #1513 out of 1526 companies in the Banks industry, placing it in the top 99.1%.
Is BayFirst Financial's Net Margin % too high?
BayFirst Financial's current Net Margin % is -87.60%. Based on the distribution chart, BayFirst Financial ranks #1513 out of 1526 companies in the Banks industry, which is in the bottom quartile 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 Net Margin % compare to PWBK and FBPA?
According to the Banks industry distribution chart, BayFirst Financial ranks #1513 out of 1526 companies for Net Margin %. This places BayFirst Financial in the lower half of its industry. The industry median Net Margin % is 26.97. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.97, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on BayFirst Financial and its competitors. For the Banks industry, the median Net Margin % is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BayFirst Financial's current Net Margin % is -87.60%. 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 Net Margin % is -87.60%. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For BayFirst Financial (BAFN), the current Net Margin % is -87.60% 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 $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:
Net Margin %: -87.60%
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
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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