BAFN (BayFirst Financial) Total Payout Ratio: -0.03 (As of Jul. 08, 2026)

What is BayFirst Financial Total Payout Ratio?

BayFirst Financial BAFN -3.41% 55 Total Payout Ratio is -0.03 as of Jul. 08, 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.

Total Payout Ratio is the percent a company has paid to its shareholders through net repurchase of shares and dividends based on its Net Income.

BayFirst Financial's current Total Payout Ratio is -0.03.

BayFirst Financial Total Payout Ratio Related Terms

BayFirst Financial Total Payout Ratio Historical Data

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The historical data trend for BayFirst Financial's Total Payout 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.

BayFirst Financial Total Payout Ratio Chart

BayFirst Financial Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

Total Payout Ratio

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0.02

0.30

0.34

0.23

-0.08

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 Payout Ratio	Get a 7-Day Free Trial															-3.16	-0.58	0.00	0.00	0.00

BAFN vs FPBC, MNBO, GTPS: Total Payout Ratio Comparison

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

For the Banks industry and Financial Services sector, BayFirst Financial's Total Payout Ratio distribution charts can be found below:

* The bar in red indicates where BayFirst Financial's Total Payout Ratio falls into.

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55GF Score

BayFirst Financial Corp BAFN

Total Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.

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BayFirst Financial Total Payout Ratio Calculation

Total Payout Ratio is a measurement showing the proportion of earnings a company pays shareholders in the form of dividends and net stock repurchases.

BayFirst Financial's Total Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Total Payout Ratio	=	- (Repurchase of Stock	+	Issuance of Stock	+	Cash Flow for Dividends)	/	Net Income
	=	- (-0.335	+	0.05	+	-1.434)	/	-22.937
	=	-0.07

BayFirst Financial's Total Payout Ratio for the quarter that ended in Mar. 2026 is calculated as

Total Payout Ratio	=	- (Repurchase of Stock	+	Issuance of Stock	+	Cash Flow for Dividends)	/	Net Income
	=	- (0	+	0.018	+	0)	/	-5.68
	=	0.00

Frequently Asked Questions Learn more about Total Payout Ratio →

What does a Total Payout Ratio of -0.03 mean?

BayFirst Financial (BAFN) has a Total Payout Ratio of -0.03 as of Jul. 08, 2026. Total Payout Ratio is the percent a company has paid to its shareholders through net repurchase of shares and dividends based on its Net Income. View historical data on BayFirst Financial and its competitors.

Is BayFirst Financial's Total Payout Ratio too high?

BayFirst Financial's current Total Payout Ratio is -0.03. 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 Total Payout Ratio compare to FPBC and MNBO?

BayFirst Financial's Total Payout Ratio of -0.03 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 Payout Ratio for a Banks company?

A good Total Payout Ratio depends on the Banks industry context. However, Total Payout Ratio 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 Payout Ratio mean?

A high Total Payout Ratio can signal that a stock is expensive relative to its fundamentals. Total Payout Ratio is the percent a company has paid to its shareholders through net repurchase of shares and dividends based on its Net Income. View historical data on BayFirst Financial and its competitors. BayFirst Financial's current Total Payout Ratio is -0.03. 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 $5.26 — trading 10.1% below its estimated fair value. The current Total Payout Ratio is -0.03. 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 Payout Ratio calculated?

Total Payout Ratio is calculated from a company's financial statements. For BayFirst Financial (BAFN), the current Total Payout Ratio is -0.03 as of Jul. 08, 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 $5.26 is trading 10.1% below its estimated GF Value™ of $5.85. GuruFocus considers BayFirst Financial to be Modestly Undervalued.

Key valuation signals for BAFN:

Total Payout Ratio: -0.03
GF Value™: $5.85 vs. price of $5.26 (10.1% 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

Industry Financial Services Banks

Comparable Companies FPBC MNBO GTPS APLO EBSH WVFC PFBN ECLP HRBK FBPI SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

Address 700 Central Avenue, Suite 100, Saint Petersburg, FL, USA, 33701

Website https://www.bayfirstfinancial.com

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

$5.26

Price

$5.85

GF Value

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