BAFN (BayFirst Financial) 10-Year Sharpe Ratio: N/A (As of Sep. 08, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

BAFN BayFirst Financial Corp BAFN
47 GF Score
Price $7.44
GF Value $2.86
Valuation Significantly Overvalued
! 3 Warning Signs
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What is BayFirst Financial 10-Year Sharpe Ratio?

The 10-Year Sharpe Ratio measures the additional return that an investor receives per unit of increase in risk over the past ten years. As of today (2026-09-08), BayFirst Financial's 10-Year Sharpe Ratio is Not available.

BayFirst Financial  (NAS:BAFN) 10-Year Sharpe Ratio Explanation

The 10-Year Sharpe Ratio inidicates the risk-adjusted return of an investment over the past ten years. It is calculated as the annualized result of the average ten-year monthly excess returns divided by its standard deviation in the ten-year period. The monthly excess return is the monthly investment return minus the monthly risk-free rate (typically the 10-year Treasury Constant Maturity Rate). If the risk-free rate for a specific region is not available, U.S. data is used by default.

The greater a portfolio's Sharpe Ratio, the better its risk-adjusted performance. A negative Sharpe Ratio means the risk-free rate is greater than the portfolio’s historical or projected return, or else the portfolio's return is expected to be negative.

BayFirst Financial 10-Year Sharpe Ratio Related Terms

BAFN vs MNSB, PLQC, TRCY: 10-Year Sharpe Ratio Comparison

For the Banks - Regional subindustry, BayFirst Financial's 10-Year Sharpe Ratio, along with its competitors' market caps and 10-Year Sharpe 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 10-Year Sharpe Ratio vs Banks Industry

For the Banks industry and Financial Services sector, BayFirst Financial's 10-Year Sharpe Ratio distribution charts can be found below:

* The bar in red indicates where BayFirst Financial's 10-Year Sharpe Ratio falls into.


BAFN
47GF Score
BayFirst Financial Corp BAFN
10-Year Sharpe Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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BayFirst Financial 10-Year Sharpe Ratio Calculation

The 10-Year Sharpe Ratio measures the performance of an investment such as a stock or portfolio compared to a risk-free asset in the last ten years. A stock / portfolio's 10-Year Sharpe Ratio can be calculated by dividing the difference between the ten-year average monthly returns of the investment and the risk-free rate, by the standard deviation of the investment returns over the past ten years.

Is BayFirst Financial (BAFN) Overvalued in 2026?

Based on GuruFocus' analysis, BayFirst Financial stock appears to be overvalued. The current stock price of $7.44 is trading 160% above its estimated GF Value™ of $2.86. GuruFocus considers BayFirst Financial to be Significantly Overvalued.

Key valuation signals for BAFN:

  • 10-Year Sharpe Ratio: N/A
  • GF Value™: $2.86 vs. price of $7.44 (160% above fair value)
  • GF Score™: 47/100 with 3 warning signs

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.
47GF Score

Get the complete analysis for BAFN

10-Year Sharpe Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$7.44
Price
$2.86
GF Value