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BayFirst FinancialBAFN -4.49%53 Shiller PE Ratio is 7.01 as of Aug. 04, 2026, which is 1% above its 10-year median of 6.97. GuruFocus rates BAFN with a GF Score™ of 53/100 and a GF Value™ of $5.85 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,236 Banks companies, BayFirst Financial ranks better than 87.22% on this metric.
The historical rank and industry rank for BayFirst Financial's Shiller PE Ratio or its related term are showing as below:
BAFN'
s Shiller PE Ratio Range Over the Past 10 Years
Min: 3.69 Med: 6.97 Max: 16.36
Current: 7.01
During the past years, BayFirst Financial's highest Shiller PE Ratio was 16.36. The lowest was 3.69. And the median was 6.97.
BAFN's Shiller PE Ratio is ranked better than 87.22% of 1236
companies
in the Banks industry
Industry Median: 13.985
vs BAFN: 7.01
E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.
BayFirst Financial's adjusted earnings per share data for the three months ended in Mar. 2026 was $-1.132. Add all the adjusted EPS for the past 10 years together and divide 10 will get our E10, which is $0.88 for the trailing ten years ended in Mar. 2026.
Shiller PE for Stocks: The True Measure of Stock Valuation
BayFirst Financial (NAS:BAFN) Shiller PE Ratio Explanation
Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.
Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.
Be Aware
Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.
BayFirst Financial Shiller PE Ratio Related Terms
BayFirst Financial Shiller PE Ratio Historical Data
* Premium members only.
The historical data trend for BayFirst Financial's Shiller PE 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 JFWV, PFSB, CNBZ: Shiller PE Ratio Comparison
For the Banks - Regional subindustry, BayFirst Financial's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, BayFirst Financial's Shiller PE Ratio distribution charts can be found below:
* The bar in red indicates where BayFirst Financial's Shiller PE Ratio falls into.
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller PE Ratio is also called PE10.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.
* 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.
Add all the adjusted EPS together and divide 10 will get our E10.
Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.
BayFirst Financial (BAFN) has a Shiller PE Ratio of 7.01 as of Aug. 04, 2026. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on BayFirst Financial and its competitors. This is near median its historical median of 6.97. Over the past decade, BayFirst Financial's Shiller PE Ratio has ranged from 3.69 to 16.36. According to the industry distribution chart, BayFirst Financial ranks #158 out of 1236 companies in the Banks industry, placing it in the top 12.8%.
Is BayFirst Financial's Shiller PE Ratio too high?
BayFirst Financial's current Shiller PE Ratio of 7.01 is near median its 10-year median of 6.97. Over the past 10 years, this metric has ranged from a low of 3.69 to a high of 16.36. The Banks industry median Shiller PE Ratio is 13.99. BayFirst Financial's value of 7.01 is 49.9% below this industry median. Based on the distribution chart, BayFirst Financial ranks #158 out of 1236 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, BayFirst Financial has a GF Score™ of 53/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does BayFirst Financial's Shiller PE Ratio compare to JFWV and PFSB?
According to the Banks industry distribution chart, BayFirst Financial ranks #158 out of 1236 companies for Shiller PE Ratio. This places BayFirst Financial in the top 13% of its industry — outperforming the majority of peers. The industry median Shiller PE Ratio is 13.99. BayFirst Financial's value of 7.01 is 49.9% below this benchmark. Historically, BayFirst Financial's own Shiller PE Ratio has ranged from 3.69 to 16.36 over the past decade. While the company's 10-year median is 6.97 vs. the industry median of 13.99, BayFirst Financial has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Shiller PE Ratio for a Banks company?
The median Shiller PE Ratio among Banks companies is 13.99, based on 1,236 companies in the industry. Companies in the top quartile (top 25%) have a Shiller PE Ratio significantly above this median, while those in the bottom quartile fall well below. However, Shiller PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. BayFirst Financial's current Shiller PE Ratio of 7.01 is 49.9% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Shiller PE Ratio mean?
A high Shiller PE Ratio can signal that a stock is expensive relative to its fundamentals. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on BayFirst Financial and its competitors. For the Banks industry, the median Shiller PE Ratio is 13.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BayFirst Financial's current Shiller PE Ratio is 7.01, which is near median its own 10-year median of 6.97. 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 Fairly Valued. The stock's GF Value™ is $5.85, compared to a current price of $6.17 — trading 5.5% above its estimated fair value. The current Shiller PE Ratio is 7.01, which is near median its 10-year median of 6.97 and 49.9% below the Banks industry median of 13.99. BayFirst Financial's overall GF Score™ is 53/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Shiller PE Ratio calculated?
Shiller PE Ratio is calculated from a company's financial statements. For BayFirst Financial (BAFN), the current Shiller PE Ratio is 7.01 as of Aug. 04, 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 overvalued.
The current stock price of $6.17 is trading 5.5% above its estimated GF Value™ of $5.85.
GuruFocus considers BayFirst Financial to be Fairly Valued.
Key valuation signals for BAFN:
Shiller PE Ratio: 7.01 (near median its 10-year median of 6.97)
GF Value™: $5.85 vs. price of $6.17 (5.5% above fair value)
Industry Position: 49.9% below the Banks median (#158 of 1236)
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.
53GF Score
Get the complete analysis for BAFN
Shiller PE Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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