BAFN
BayFirst Financial Corp. Common StockFinance · ·
$6.80
▲ $0.56 (+9.1%)
Market Cap
$27.93M
Day Range
$6.27 - $6.91
52-Week Range
$4.26 - $12.33
Beta
—
Next Earnings
13.08.2026
🏢 Similar Stocks in the Same Sector
-44.5% (1Y)
This score and all analysis on this page are for informational and educational purposes only and do not constitute investment advice. Read the full disclaimer
Weighted: Technical 25% · Fundamental 20% · Growth 15% · Valuation 15% · News 10% · Quality 10% · Risk 5%
🔍 Cross-Check
Overall Score
🟡 Mixed
Technical Trend
🟢 Bullish
✅ Why is the score relatively high?
- 🟢 Estimated fair value: $1,287.45 vs. price $6.80 (+18833.0%)
- 🟢 Price is above the 50-day average
- 🟢 MACD histogram is positive — rising momentum
- 🟢 RSI 69.8 — healthy positive momentum
- 🟢 NAV per share: $21.20
⚠️ What's concerning?
- 🔴 ATR: 7.0% of price
- 🔴 Return on equity (ROE): -26.2% (negative)
- 🔴 Earnings per share (EPS) growth: -326.3%
- 🔴 Free cash flow growth: -26.7%
- 🔴 Net income growth: -282.0%
🚦 Quality & Risk Checks
📰 News Trend
Based on real financial news (Finnhub)Everyone's writing about BayFirst Financial Corp. Common Stock. News trend score: 44. Reason: 1 of the last 2 articles are negative, versus 0 positive.
News trend analysis is based on article sentiment only, and is not investment advice or financial counsel. Read the full disclaimer
📈 Technical Analysis
Based on the last 251 trading days, calculated from real price data. Click an indicator for details and a chart.
🟢 Most indicators support an uptrend (7 bullish · 4 bearish · 1 neutral)
Conclusions
- 🟢Price vs. SMA 50 — Price is above the 50-day average
- 🔴Price vs. SMA 200 — Price is below the 200-day average
- 🟢MACD — MACD histogram is positive — rising momentum
- 🟢RSI — RSI 69.8 — healthy positive momentum
- 🟡Stochastic — %K 60.3 — neutral range
- 🟢ADX (trend strength) — ADX 45.6 — strong trend
- 🟢Volume trend — Rising volume supports the price advance
- 🔴Relative strength vs. S&P 500 — -10.0% over the last 3 months relative to the index
- 🟢Bollinger Bands — Price is in the upper third of the Bollinger Bands (106%B) — strong momentum (risk of a pullback)
- 🟢ROC (rate of change) — ROC 12 days: 20.4%
- 🔴Parabolic SAR — Price is below the SAR point — downtrend
- 🔴CMF (money flow) — CMF 20 days: -0.20
Wyckoff Method Analysis
A market-structure read based purely on real price and volume data — not full classic Wyckoff schematic identification (Phase A-E), but a quantitative analysis of what can reliably be computed: trading ranges, "effort vs. result", volume within the range, and Spring/Upthrust detection.
The stock is in a clear uptrend with no defined trading range in the period examined.
Low confidence
Evidence Behind This Read
- 🟢Rising price trend — A 7.9% change over the last 50 days, with no defined trading range.
- 🔴Divergence between price and cumulative money flow (A/D Line) — Price and the cumulative Accumulation/Distribution Line are moving in opposite directions — a classic Wyckoff sign that the move isn't backed by real money, and may be less stable than it looks.
- 🔴Bar with buying-climax characteristics — On 2026-07-23: volume 4.0x the average and a spread 1.6x wider, with a close suggesting counter-absorption.
The Wyckoff Method, developed by Richard Wyckoff in the early 20th century, reads the balance of supply and demand through price and volume, based on the premise that large investors ("smart money") quietly accumulate shares before rallies and quietly distribute them before declines. The read here is based solely on real price and volume data — full, precise identification of classic Wyckoff patterns (such as Phases A-E) requires human chart-reading experience and judgment, so this is an approximate algorithmic read, not a substitute for professional analysis. This should not be considered investment advice.
🎯 Trade Planning (M.A.E.E Framework)
Based on a mechanical trading method: market structure → value zone → ATR-based exit point. Not investment advice — a calculation tool only.
1️⃣ Market Structure
🟡 Range
The price is oscillating around the 200-day average with no clear direction — the method recommends great caution here (buying at the bottom of the range / selling at the top) or avoiding trading altogether.
2️⃣ Value Zone
🟡 Price far from value zone
The price is currently far from the 50-day average — the method recommends waiting for a "pullback" before entering, rather than chasing prices.
💰 Financial Health
Profitability
Gross Margin
—
Operating Margin
—
Net Margin
—
EBITDA Margin
—
Efficiency
ROE
-26.2%
ROA
-1.8%
ROIC
—
EPS
-$5.93
Balance Sheet
Cash
$206.98M
Total Debt
—
Current Ratio
—
Debt/Equity
—
Conclusions
- 🔴Return on equity (ROE) — Return on equity (ROE): -26.2% (negative)
- 🔴Return on assets (ROA) — Return on assets (ROA): -1.8% — weak
🚀 Growth
Revenue
אין נתונים היסטוריים זמינים.
Earnings per Share (EPS)
Net Income
Free Cash Flow (FCF)
Conclusions
- 🔴Earnings per share (EPS) growth — Earnings per share (EPS) growth: -326.3%
- 🔴Free cash flow growth — Free cash flow growth: -26.7%
- 🔴Net income growth — Net income growth: -282.0%
💵 Dividends
Total dividend per share paid each year, over the last 5 years.
Annual Dividend per Share
| Ex-Dividend Date | Amount per Share |
|---|---|
| 30.5.2025 | $0.080 |
| 28.2.2025 | $0.080 |
| 29.11.2024 | $0.080 |
| 30.8.2024 | $0.080 |
| 31.5.2024 | $0.080 |
| 29.2.2024 | $0.080 |
| 30.11.2023 | $0.080 |
| 31.8.2023 | $0.080 |
| 31.5.2023 | $0.080 |
| 28.2.2023 | $0.080 |
| 30.11.2022 | $0.080 |
| 31.8.2022 | $0.080 |
💎 Fair Value (Valuation)
Current Price
$6.80
Estimated Fair Value (DCF)
$1,287.45
Gap
+18833.0%
🟢 Appears cheap relative to estimated value
Show all model (DCF) assumptions →
Year 1 Growth Rate
10.0%
Discount Rate (WACC)
9.0%
Terminal Growth Rate
2.5%
Projection Years
5
| Year | Growth Rate | Projected FCF | Present Value |
|---|---|---|---|
| 1 | 10.0% | $313.49M | $287.61M |
| 2 | 8.1% | $338.97M | $285.30M |
| 3 | 6.3% | $360.15M | $278.10M |
| 4 | 4.4% | $375.91M | $266.30M |
| 5 | 2.5% | $385.31M | $250.42M |
Base FCF (last actual year)
$285.00M
Terminal Value
$6.08B
Present Value of Terminal Value
$3.95B
Enterprise Value
$5.32B
Net Debt
$0
Equity Value
$5.32B
*The DCF model is an estimate based on assumptions — not a guaranteed forecast. You can change the assumptions to examine different scenarios.
Book Value per Share
$21.20
Tangible Book Value per Share (Tangible NAV)
$21.20
Conclusions
- 🟢DCF Fair Value — Estimated fair value: $1,287.45 vs. price $6.80 (+18833.0%)
- 🟢Tangible Net Asset Value (NAV) — NAV per share: $21.20
- 🟡P/E — P/E: -1.1
🕴️ Insider Trading
Real transactions by officers and insiders, as reported to the SEC on Form 4 — 0 purchases and 0 sales out of the last 25 filings.
| Name | Transaction Type | Date | Shares | Change | Price |
|---|---|---|---|---|---|
| LEO ANTHONY N | Tax Withholding in Shares | 15.5.2026 | 36,825 | -138 | $6.49 |
| Berset Mark S | Tax Withholding in Shares | 15.5.2026 | 214,811 | -99 | $6.49 |
| Saravanos Anthony | Tax Withholding in Shares | 15.5.2026 | 57,022 | -138 | $6.49 |
| Zipperian Barbara J | Tax Withholding in Shares | 15.5.2026 | 4,985 | -99 | $6.49 |
| Berset Derek Steven | Tax Withholding in Shares | 15.5.2026 | 70,233 | -99 | $6.49 |
| Spoor Bradly William | Tax Withholding in Shares | 15.5.2026 | 2,954 | -99 | $6.49 |
| Politis Christos | Tax Withholding in Shares | 15.5.2026 | 43,612 | -99 | $6.49 |
| Harris Alexander Octavius | Tax Withholding in Shares | 15.5.2026 | 6,657 | -99 | $6.49 |
| Deloach Dennis Reppard III | Tax Withholding in Shares | 15.5.2026 | 35,740 | -99 | $6.49 |
| WuDunn Sheryl | Tax Withholding in Shares | 15.5.2026 | 6,237 | -99 | $6.49 |
| Zernick Thomas Gerard | Other Transaction | 7.5.2026 | 20,463 | +227 | $6.61 |
| Oliver Robin Leigh | Other Transaction | 7.5.2026 | 12,091 | +45 | $6.61 |
| McKim Scott Joseph | Other Transaction | 7.5.2026 | 3,278 | +45 | $6.61 |
| Zernick Thomas Gerard | Other Transaction | 19.2.2026 | 0 | +0 | $6.64 |
| Oliver Robin Leigh | Other Transaction | 19.2.2026 | 0 | +0 | $6.64 |
| McKim Scott Joseph | Other Transaction | 19.2.2026 | 0 | -1 | $6.64 |
| LEO ANTHONY N | Other Transaction | 19.2.2026 | 0 | +0 | $6.64 |
| Tudor Rhonda S | Other Transaction | 5.2.2026 | 1,531 | +17 | $6.02 |
| Zernick Thomas Gerard | Other Transaction | 5.2.2026 | 19,455 | +249 | $6.02 |
| Oliver Robin Leigh | Other Transaction | 5.2.2026 | 11,587 | +50 | $6.02 |
| McKim Scott Joseph | Other Transaction | 5.2.2026 | 3,306 | +50 | $6.02 |
| Zernick Thomas Gerard | Tax Withholding in Shares | 3.2.2026 | 18,565 | -890 | $6.65 |
| Oliver Robin Leigh | Tax Withholding in Shares | 3.2.2026 | 11,453 | -134 | $6.65 |
| McKim Scott Joseph | Tax Withholding in Shares | 3.2.2026 | 3,217 | -89 | $6.65 |
| Oliver Robin Leigh | Tax Withholding in Shares | 27.1.2026 | 10,962 | -119 | $6.74 |
📉 Short Interest
Official FINRA data — the number of shares open in short positions, plus daily short-sale activity.
Monthly Trend — Open Short Interest
251,745 shares short as of 2026-07-15 · vs. 235,107 on 2026-06-30
Official biweekly report (FINRA Rule 4560) — no real higher-frequency data exists for this metric.
Weekly Trend — Daily Short-Sale Activity
58.5% of trading volume this week was short selling, vs. 53.9% the prior week
Based on daily short-sale volume (Reg SHO) — a different metric from the open short interest above: this is daily trading volume, not an open position, so it updates weekly rather than biweekly.
📰 News & Sentiment
Sentiment based on basic keywords (not AI) — 0 positive, 1 neutral, 1 negative out of the last 2 articles.
Benzinga · 15.7.2026
SeekingAlpha · 14.7.2026