BAFN (BayFirst Financial) ROC (Joel Greenblatt) %: % (As of Mar. 2026)


BAFN BayFirst Financial Corp BAFN
55 GF Score
Price $4.88
GF Value $5.85
Valuation Modestly Undervalued
! 1 Warning Sign
View Full Analysis

What is BayFirst Financial ROC (Joel Greenblatt) %?

BayFirst Financial BAFN +7.08% 55 ROC (Joel Greenblatt) % is % as of Mar. 2026. GuruFocus rates BAFN with a GF Score™ of 55/100 and a GF Value™ of $5.85 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 47 Banks companies, BayFirst Financial ranks worse than 2127657.45% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

BAFN
55GF Score
BayFirst Financial Corp BAFN
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
What does a ROC (Joel Greenblatt) % of % mean?
BayFirst Financial (BAFN) has a ROC (Joel Greenblatt) % of % as of Mar. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on BayFirst Financial and its competitors. According to the industry distribution chart, BayFirst Financial ranks #999999 out of 47 companies in the Banks industry.
Is BayFirst Financial's ROC (Joel Greenblatt) % too high?
BayFirst Financial's current ROC (Joel Greenblatt) % is %. Based on the distribution chart, BayFirst Financial ranks #999999 out of 47 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 ROC (Joel Greenblatt) % compare to PWBK and FBPA?
According to the Banks industry distribution chart, BayFirst Financial ranks #999999 out of 47 companies for ROC (Joel Greenblatt) %. This places BayFirst Financial in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 70.66. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 70.66, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on BayFirst Financial and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 70.66 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BayFirst Financial's current ROC (Joel Greenblatt) % is %. 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 $4.88 — trading 16.6% below its estimated fair value. The current ROC (Joel Greenblatt) % is %. 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 ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For BayFirst Financial (BAFN), the current ROC (Joel Greenblatt) % is % 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 $4.88 is trading 16.6% below its estimated GF Value™ of $5.85. GuruFocus considers BayFirst Financial to be Modestly Undervalued.

Key valuation signals for BAFN:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: $5.85 vs. price of $4.88 (16.6% 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

Get the complete analysis for BAFN

ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$4.88
Price
$5.85
GF Value