BAFN (BayFirst Financial) Total Debt per Share: $3.83 (As of Mar. 2026)


BAFN BayFirst Financial Corp BAFN
55 GF Score
Price $5.42
GF Value $5.85
Valuation Fairly Valued
! 1 Warning Sign
View Full Analysis

What is BayFirst Financial Total Debt per Share?

BayFirst Financial BAFN -4.58% 55 Total Debt per Share is $3.83 as of Mar. 2026. GuruFocus rates BAFN with a GF Score™ of 55/100 and a GF Value™ of $5.85 (Fairly Valued). The stock has 1 warning sign investors should review.

$3.83 (As of Mar. 2026)

Total Debt per Share is calculated as total debt divided by Shares Outstanding (EOP). Total debt is calculated as Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. BayFirst Financial's Total Debt Per Share for the quarter that ended in Mar. 2026 was $3.83.

BayFirst Financial Total Debt per Share Historical Data

* Premium members only.

The historical data trend for BayFirst Financial's Total Debt per Share 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.

BayFirst Financial Total Debt per Share Chart

BayFirst Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Total Debt per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.44 7.07 3.90 4.15 3.88

BayFirst Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Total Debt per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 7.76 11.38 13.22 3.88 3.83
BAFN
55GF Score
BayFirst Financial Corp BAFN
Total Debt per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

BayFirst Financial Total Debt per Share Calculation

BayFirst Financial's Total Debt Per Share for the fiscal year that ended in Dec. 2025 is calculated as:

Total Debt Per Share=(Long-Term Debt & Capital Lease Obligation+Short-Term Debt & Capital Lease Obligation)/Shares Outstanding (EOP)
=(20.82+0.00)/5.37
=3.88

BayFirst Financial's Total Debt Per Share for the quarter that ended in Mar. 2026 is calculated as:

Total Debt Per Share=(Long-Term Debt & Capital Lease Obligation+Short-Term Debt & Capital Lease Obligation)/Shares Outstanding (EOP)
=(20.58+0.00)/5.37
=3.83

* 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.

Frequently Asked Questions Learn more about Total Debt per Share →
What does a Total Debt per Share of $3.83 mean?
BayFirst Financial (BAFN) has a Total Debt per Share of $3.83 as of Mar. 2026. Total debt per share equals the per-share value of a company's long-term and short-term debt. View historical data on BayFirst Financial and its competitors.
Is BayFirst Financial's Total Debt per Share too high?
BayFirst Financial's current Total Debt per Share is $3.83. Overall, BayFirst Financial has a GF Score™ of 55/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does BayFirst Financial's Total Debt per Share compare to FPBC and MNBO?
BayFirst Financial's Total Debt per Share of $3.83 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Total Debt per Share for a Banks company?
A good Total Debt per Share depends on the Banks industry context. However, Total Debt per Share 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 Total Debt per Share mean?
A high Total Debt per Share can signal that a stock is expensive relative to its fundamentals. Total debt per share equals the per-share value of a company's long-term and short-term debt. View historical data on BayFirst Financial and its competitors. BayFirst Financial's current Total Debt per Share is $3.83. 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 $5.42 — trading 7.4% below its estimated fair value. The current Total Debt per Share is $3.83. 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 Total Debt per Share calculated?
Total Debt per Share is calculated from a company's financial statements. For BayFirst Financial (BAFN), the current Total Debt per Share is $3.83 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 $5.42 is trading 7.4% below its estimated GF Value™ of $5.85. GuruFocus considers BayFirst Financial to be Fairly Valued.

Key valuation signals for BAFN:

  • Total Debt per Share: $3.83
  • GF Value™: $5.85 vs. price of $5.42 (7.4% 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

Total Debt per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$5.42
Price
$5.85
GF Value