* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for BayFirst Financial's PEG Ratio or its related term are showing as below:
During the past 13 years, BayFirst Financial's highest PEG Ratio was 9.09. The lowest was 1.43. And the median was 2.58.
BAFN's PEG Ratio is not ranked *
in the Banks industry.
Industry Median: 1.51 * Ranked among companies with meaningful PEG Ratio only.
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
BayFirst Financial (NAS:BAFN) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
BayFirst Financial PEG Ratio Related Terms
BayFirst Financial PEG Ratio Historical Data
* Premium members only.
The historical data trend for BayFirst Financial's PEG 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.
For the Banks - Regional subindustry, BayFirst Financial's PEG Ratio, along with its competitors' market caps and PEG 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 PEG Ratio vs Banks Industry
For the Banks industry and Financial Services sector, BayFirst Financial's PEG Ratio distribution charts can be found below:
* The bar in red indicates where BayFirst Financial's PEG Ratio 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
BayFirst Financial (BAFN) has a PEG Ratio of 0.00 as of Jun. 25, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on BayFirst Financial and its competitors. Over the past decade, BayFirst Financial's PEG Ratio has ranged from 1.43 to 9.09. According to the industry distribution chart, BayFirst Financial ranks #999999 out of 1229 companies in the Banks industry.
Is BayFirst Financial's PEG Ratio too high?
BayFirst Financial's current PEG Ratio is 0.00. Over the past 10 years, this metric has ranged from a low of 1.43 to a high of 9.09. Based on the distribution chart, BayFirst Financial ranks #999999 out of 1229 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 PEG Ratio compare to PWBK and FBPA?
According to the Banks industry distribution chart, BayFirst Financial ranks #999999 out of 1229 companies for PEG Ratio. This places BayFirst Financial in the lower half of its industry. The industry median PEG Ratio is 1.51. Historically, BayFirst Financial's own PEG Ratio has ranged from 1.43 to 9.09 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 PEG Ratio for a Banks company?
The median PEG Ratio among Banks companies is 1.51, based on 1,229 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on BayFirst Financial and its competitors. For the Banks industry, the median PEG Ratio is 1.51 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BayFirst Financial's current PEG 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 $4.61 — trading 21.2% below its estimated fair value. The current PEG 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For BayFirst Financial (BAFN), the current PEG Ratio is 0.00 as of Jun. 25, 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:
PEG Ratio: 0.00
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
PEG Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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