BayFirst FinancialBAFN +4.60%55 5-Year Yield-on-Cost % is 0.86 as of Jul. 01, 2026, which is 46% below its 10-year median of 1.58. 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. Among 1,250 Banks companies, BayFirst Financial ranks worse than 93.44% on this metric.
BayFirst Financial's yield on cost for the quarter that ended in Mar. 2026 was 0.86.
The historical rank and industry rank for BayFirst Financial's 5-Year Yield-on-Cost % or its related term are showing as below:
BAFN'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.61 Med: 1.58 Max: 3.19
Current: 0.86
During the past 13 years, BayFirst Financial's highest Yield on Cost was 3.19. The lowest was 0.61. And the median was 1.58.
BAFN's 5-Year Yield-on-Cost % is ranked worse than 93.44% of 1250
companies
in the Banks industry
Industry Median: 3.94
vs BAFN: 0.86
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
BayFirst Financial 5-Year Yield-on-Cost % Related Terms
BAFN vs FPBC, MNBO, GTPS: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, BayFirst Financial's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, BayFirst Financial's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where BayFirst Financial's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
BayFirst Financial (BAFN) has a 5-Year Yield-on-Cost % of 0.86 as of Jul. 01, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on BayFirst Financial and its competitors. This is 46% below median its historical median of 1.58. Over the past decade, BayFirst Financial's 5-Year Yield-on-Cost % has ranged from 0.61 to 3.19. According to the industry distribution chart, BayFirst Financial ranks #1168 out of 1250 companies in the Banks industry, placing it in the top 93.4%.
Is BayFirst Financial's 5-Year Yield-on-Cost % too high?
BayFirst Financial's current 5-Year Yield-on-Cost % of 0.86 is 46% below median its 10-year median of 1.58. Over the past 10 years, this metric has ranged from a low of 0.61 to a high of 3.19. The Banks industry median 5-Year Yield-on-Cost % is 3.94. BayFirst Financial's value of 0.86 is 78.2% below this industry median. Based on the distribution chart, BayFirst Financial ranks #1168 out of 1250 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 5-Year Yield-on-Cost % compare to FPBC and MNBO?
According to the Banks industry distribution chart, BayFirst Financial ranks #1168 out of 1250 companies for 5-Year Yield-on-Cost %. This places BayFirst Financial in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.94. BayFirst Financial's value of 0.86 is 78.2% below this benchmark. Historically, BayFirst Financial's own 5-Year Yield-on-Cost % has ranged from 0.61 to 3.19 over the past decade. While the company's 10-year median is 1.58 vs. the industry median of 3.94, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.94, based on 1,250 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. BayFirst Financial's current 5-Year Yield-on-Cost % of 0.86 is 78.2% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on BayFirst Financial and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.94 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BayFirst Financial's current 5-Year Yield-on-Cost % is 0.86, which is 46% below median its own 10-year median of 1.58. 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 $5.23 — trading 10.6% below its estimated fair value. The current 5-Year Yield-on-Cost % is 0.86, which is 46% below median its 10-year median of 1.58 and 78.2% below the Banks industry median of 3.94. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For BayFirst Financial (BAFN), the current 5-Year Yield-on-Cost % is 0.86 as of Jul. 01, 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 $5.23 is trading 10.6% below its estimated GF Value™ of $5.85.
GuruFocus considers BayFirst Financial to be Fairly Valued.
Key valuation signals for BAFN:
5-Year Yield-on-Cost %: 0.86 (46% below median its 10-year median of 1.58)
GF Value™: $5.85 vs. price of $5.23 (10.6% below fair value)
Industry Position: 78.2% below the Banks median (#1168 of 1250)
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.
55GF Score
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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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