The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. BayFirst Financial's Dividend Payout Ratio for the
months ended in Mar. 2026 was 0.00.
The historical rank and industry rank for BayFirst Financial's Dividend Payout Ratio or its related term are showing as below:
During the past 13 years, the highest Dividend Payout Ratio of BayFirst Financial was 0.43. The lowest was 0.03. And the median was 0.21.
BAFN's Dividend Payout Ratio is not ranked *
in the Banks industry.
Industry Median: 0.32 * Ranked among companies with meaningful Dividend Payout Ratio only.
During the past 12 months, BayFirst Financial's average Dividends Per Share Growth Rate was -75.00% per year.
During the past 3 years, the average Dividends Per Share Growth Rate was -20.70% per year.
During the past 5 years, the average Dividends Per Share Growth Rate was -5.90% per year.
During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of BayFirst Financial was 87.40% per year. The lowest was -20.70% per year. And the median was 5.60% per year.
The growth rate is calculated with least square regression.
For more information regarding to dividend, please check our Dividend Page.
* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.
BayFirst Financial (NAS:BAFN) Dividend Payout Ratio Explanation
In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.
BayFirst Financial Dividend Payout Ratio Related Terms
BayFirst Financial Dividend Payout Ratio Historical Data
* Premium members only.
The historical data trend for BayFirst Financial's Dividend Payout Ratio 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 PWBK, FBPA, WOBK: Dividend Payout Ratio Comparison
For the Banks - Regional subindustry, BayFirst Financial's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio 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 Dividend Payout Ratio vs Banks Industry
For the Banks industry and Financial Services sector, BayFirst Financial's Dividend Payout Ratio distribution charts can be found below:
* The bar in red indicates where BayFirst Financial's Dividend Payout Ratio falls into.
BayFirst Financial Dividend Payout Ratio Calculation
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.
BayFirst Financial's Dividend Payout 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 Dividend Payout Ratio of 0.00 as of Mar. 2026. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on BayFirst Financial and its competitors. Over the past decade, BayFirst Financial's Dividend Payout Ratio has ranged from 0.03 to 0.43. According to the industry distribution chart, BayFirst Financial ranks #999999 out of 1168 companies in the Banks industry.
Is BayFirst Financial's Dividend Payout Ratio too high?
BayFirst Financial's current Dividend Payout Ratio is 0.00. Over the past 10 years, this metric has ranged from a low of 0.03 to a high of 0.43. Based on the distribution chart, BayFirst Financial ranks #999999 out of 1168 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 Dividend Payout Ratio compare to PWBK and FBPA?
According to the Banks industry distribution chart, BayFirst Financial ranks #999999 out of 1168 companies for Dividend Payout Ratio. This places BayFirst Financial in the lower half of its industry. The industry median Dividend Payout Ratio is 0.32. Historically, BayFirst Financial's own Dividend Payout Ratio has ranged from 0.03 to 0.43 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Dividend Payout Ratio for a Banks company?
The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,168 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on BayFirst Financial and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BayFirst Financial's current Dividend Payout Ratio is 0.00. 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 $4.55 — trading 22.2% below its estimated fair value. The current Dividend Payout Ratio is 0.00. 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 Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For BayFirst Financial (BAFN), the current Dividend Payout Ratio is 0.00 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 $4.55 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:
Dividend Payout Ratio: 0.00
GF Value™: $5.85 vs. price of $4.55 (22.2% 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
Dividend Payout Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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