Stocktoria
BayFirst Financial Corp. BAFN
BayFirst Financial Corp. (BAFN) earns a Piotroski F-score of 3/9 (weak financial health). It pays a dividend yielding 3.24% (safety: safe).
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 3/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| BAFN | BayFirst Financial Corp. | 3/9 | — | — | — |
| STT | STATE STREET CORP | 6/9 | — | 15.8 | +7.3% |
| FCNCA | FIRST CITIZENS BANCSHARES INC /DE/ | 5/9 | — | 10.8 | -2.2% |
| CFG | CITIZENS FINANCIAL GROUP INC/RI | 7/9 | — | 16.3 | +5.6% |
| NTRS | NORTHERN TRUST CORP | 4/9 | — | 18.5 | -2.5% |
| ALLY | Ally Financial Inc. | 5/9 | — | 17 | -3.3% |
| MTB | M&T BANK CORP | 7/9 | — | 12.2 | +7.5% |
All Finance, Insurance & Real Estate companies →
About BayFirst Financial Corp.
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. In addition, the company offers internet, mobile and online banking, lock box services, remote capture and deposit, treasury management, wire transfers, cash management, merchant processing, remote deposit capture, night depository, online bill payment, courier, retail investment, ACH originations, and other services. It operates full-service banking centers in Pinellas, Hillsborough, Manatee, and Sarasota counties, Florida. The company was formerly known as First Home Bancorp, Inc. and changed its name to BayFirst Financial Corp. in May 2021. BayFirst Financial Corp. was founded in 1999 and is headquartered in Saint Petersburg, Florida.
FAQ
Is BAFN financially healthy?
BayFirst Financial Corp.'s Piotroski F-score is 3/9 (8–9 is excellent, 0–3 weak).
Does BAFN pay a dividend, and is it safe?
Yes. BayFirst Financial Corp. pays a dividend yielding about 3.24% with a -2.9% payout ratio, rated “safe” for safety.
How profitable is BAFN?
In FY2025, BayFirst Financial Corp. had a return on equity of -26.2%.
Is BAFN overvalued or undervalued?
BayFirst Financial Corp. trades at about 2.4× trailing earnings — below its 10-year norm (10-year range 3.6×–11.2×, median 6.6×). Stocktoria reports the data, not buy/sell advice.
Is BAFN a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on BayFirst Financial Corp.: a Piotroski F-score of 3/9, a dividend yield of 3.24%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.