BAFN (BayFirst Financial) Tariff Resilience Score: 8/10 (As of Jun. 26, 2026)


BAFN BayFirst Financial Corp BAFN
55 GF Score
Price $4.66
GF Value $5.85
Valuation Modestly Undervalued
! 1 Warning Sign
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What is BayFirst Financial Tariff Resilience Score?

BayFirst Financial BAFN +1.77% 55 Tariff Resilience Score is 8 as of Jun. 26, 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 1,606 Banks companies, BayFirst Financial ranks better than 78.64% on this metric.

BayFirst Financial has the Tariff Resilience Score of 8, which implies that the company might have Highly Resilient.

BayFirst Financial has BayFirst Financial is a regional bank with minimal direct exposure to international trade tariffs. Its operations are domestically focused, reducing vulnerability to global supply chain disruptions.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes BayFirst Financial might have Highly Resilient.

BayFirst Financial  (NAS:BAFN) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

BayFirst Financial Tariff Resilience Score Related Terms

BAFN vs PWBK, FBPA, WOBK: Tariff Resilience Score Comparison

For the Banks - Regional subindustry, BayFirst Financial's Tariff Resilience Score, along with its competitors' market caps and Tariff Resilience Score 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 Tariff Resilience Score vs Banks Industry

For the Banks industry and Financial Services sector, BayFirst Financial's Tariff Resilience Score distribution charts can be found below:

* The bar in red indicates where BayFirst Financial's Tariff Resilience Score falls into.


BAFN
55GF Score
BayFirst Financial Corp BAFN
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a Tariff Resilience Score of 8 mean?
BayFirst Financial (BAFN) has a Tariff Resilience Score of 8 as of Jun. 26, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, BayFirst Financial ranks #343 out of 1606 companies in the Banks industry, placing it in the top 21.4%.
Is BayFirst Financial's Tariff Resilience Score too high?
BayFirst Financial's current Tariff Resilience Score is 8. Based on the distribution chart, BayFirst Financial ranks #343 out of 1606 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 55/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does BayFirst Financial's Tariff Resilience Score compare to PWBK and FBPA?
According to the Banks industry distribution chart, BayFirst Financial ranks #343 out of 1606 companies for Tariff Resilience Score. This places BayFirst Financial in the top 21% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Tariff Resilience Score for a Banks company?
A good Tariff Resilience Score depends on the Banks industry context. However, Tariff Resilience Score 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 Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. BayFirst Financial's current Tariff Resilience Score is 8. 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 $4.66 — trading 20.3% below its estimated fair value. The current Tariff Resilience Score is 8. 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 Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For BayFirst Financial (BAFN), the current Tariff Resilience Score is 8 as of Jun. 26, 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 $4.66 is trading 20.3% below its estimated GF Value™ of $5.85. GuruFocus considers BayFirst Financial to be Modestly Undervalued.

Key valuation signals for BAFN:

  • Tariff Resilience Score: 8
  • GF Value™: $5.85 vs. price of $4.66 (20.3% 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

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Tariff Resilience Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$4.66
Price
$5.85
GF Value