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Bayfirst Financial
BAFN.US
BayFirst Financial Corp. operates as the bank holding company for BayFirst National Bank that provides community banking services for small and medium sized businesses and individuals. The company offers checking, savings, negotiable order of withdrawal, and money market deposit accounts, as well as certificates of deposit and individual retirement accounts; and safety deposit boxes. It also provides commercial real estate mortgages; construction and development, working capital, and business loans; auto, boat, and recreational vehicle loans; and residential mortgages, personal lines of credit, and home equity lines of credit.
664.36 B
BAFN.USMarket value -Rank by Market Cap -/-

Financial Score

23/12/2025 Update
D
Regional BanksIndustry
Industry Ranking310/313
Industry medianC
Industry averageC
Score Analysis
Peer Comparison
  • Criteria
    Rating
  • Profit ScoreE
    • ROE-15.25%E
    • Profit Margin-18.15%D
    • Gross Margin0.00%E
  • Growth ScoreE
    • Revenue YoY-22.68%E
    • Net Profit YoY-510.02%E
    • Total Assets YoY8.10%B
    • Net Assets YoY-12.28%E
  • Cash ScoreE
    • Cash Flow Margin-481.50%E
    • OCF YoY-22.68%E
  • Operating ScoreE
    • Turnover0E
  • Debt ScoreA
    • Gearing Ratio0.00%A

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Institutional View & Shareholder

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    News
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    BayFirst Financial Corp. Closes $94.6 Million Loan Sale to Banesco USA | BAFN Stock News

    BayFirst Financial Corp. has completed a $94.6 million loan sale to Banesco USA as part of a strategic review to derisk its SBA 7(a) balances and enhance shareholder value. This transaction improves the Bank's total capital and tier 1 leverage ratios. BayFirst exited the SBA 7(a) lending business and plans to sell an additional $4.5 million in loans to Banesco USA. The company focuses on community banking in the Tampa Bay region. Piper Sandler & Company and Igler & Pearlman, PA advised on the transaction.

    StockTitan·
    US
    BAFN
    -1.64%
    StockTitan·
    US
    BAFN
    -1.64%

    Bayfirst Financial | 10-Q: FY2025 Q3 Revenue: USD 10.23 M

    LB filings·
    US
    BAFN
    -1.64%
    LB filings·
    US
    BAFN
    -1.64%

    Bayfirst Financial posts $18.9 million net loss for Q3 2025

    BayFirst Financial Corp. reported a net loss of $18.9 million, or $4.66 per share, for Q3 2025, a significant decline from a net income of $1.1 million in Q3 2024. The loss was attributed to increased provisions for credit losses, decreased noninterest income, and higher noninterest expenses. The company exited the SBA 7(a) lending business to reduce expenses and derisk its balance sheet. Tangible book value per share fell to $17.90, and liquidity ratio improved to 11.3%.

    Reuters·
    US
    BAFN
    -1.64%
    Reuters·
    US
    BAFN
    -1.64%

    BayFirst Financial Reports Q3 2025 Loss Amid Restructuring

    BayFirst Financial Corp reported an $18.9 million net loss for Q3 2025, primarily due to restructuring charges and the sale of its SBA 7(a) loan portfolio. The company aims to derisk its balance sheet and focus on sustainable growth through community banking. Despite the losses, BayFirst is optimistic about returning to profitability in 2026. The current analyst rating for BAFN stock is a Hold with a $9.00 price target, while the overall outlook remains cautious due to recent financial performance challenges.

    Tip Ranks·
    US
    BAFN
    -1.64%
    Tip Ranks·
    US
    BAFN
    -1.64%

    BayFirst Financial Sells Majority of SBA 7(a) Loan Portfolio to Banesco USA

    BayFirst Financial Corp. has agreed to sell a significant portion of its SBA 7(a) loan portfolio to Banesco USA, with many SBA 7(a) staff being offered positions at Banesco. The deal is expected to close later this quarter, although delays are anticipated due to the federal government shutdown. Post-transaction, BayFirst plans to retain about $167 million in unguaranteed SBA 7(a) loans, as part of its strategy to refocus on core community banking in the Tampa Bay and Sarasota areas.

    Reuters·
    US
    BAFN
    -1.64%
    Reuters·
    US
    BAFN
    -1.64%
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