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About the company
BayFirst Financial Corp. is a bank holding company that operates through its wholly owned subsidiary, BayFirst National Bank (the Bank). The Bank operates about 12 full-service banking offices throughout the Tampa Bay region and offers a range of commercial and consumer banking services to businesses and individuals. The Bank offers its products and services through its Community Banking Division and its separately branded loan origination platform, CreditBench. CreditBench is a government guaranteed lender with specific expertise in originating small business administration (SBA) 7(a) loans and United States Department of Agriculture (USDA) loans throughout the nation. The Bank offers specialized business and personal checking accounts, Internet banking and online bill payment, remote capture and deposit, cash management, and others. The Bank also offers customary community bank deposit products, including interest-bearing and noninterest-bearing checking accounts, and others.
- Revenue in USD (TTM)73.45m
- Net income in USD4.79m
- Incorporated2000
- Employees313.00
- LocationBayfirst Financial Corp700 Central Avenue, Suite 102ST PETERSBURG 33701United StatesUSA
- Phone+1 (727) 399-5600
- Websitehttps://bayfirstfinancialir.com/home/default.aspx
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Community First Bancorporation | 21.44m | 3.89m | 41.91m | 93.00 | 10.71 | -- | -- | 1.65 | 0.7098 | 0.7098 | 4.61 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 15.99 | 12.88 | -- | -- | -- | -- | -3.88 | 7.87 | -37.53 | 69.06 | -- | -- |
| First Resource Bank (Pennsylvania) | 31.46m | 5.99m | 42.57m | -- | 7.10 | 0.8966 | -- | 2.13 | 1.94 | 1.94 | 6.46 | 15.34 | -- | -- | -- | -- | 1.04 | 0.9683 | -- | -- | -- | -- | 29.99 | 26.64 | -- | -- | -- | -- | 42.11 | 17.85 | 5.35 | 22.31 | -33.74 | -- |
| OptimumBank Holdings, Inc. | 41.73m | 7.51m | 43.36m | 60.00 | 4.42 | 0.5221 | 5.61 | 1.43 | 1.02 | 1.02 | 4.13 | 8.62 | -- | -- | -- | -- | 0.9608 | 0.8439 | -- | -- | -- | -- | 24.72 | 22.39 | -- | -- | -- | -- | 79.96 | 52.83 | 56.18 | 51.16 | 23.34 | -- |
| Citizens Holding Company | 53.63m | 3.58m | 43.62m | 246.00 | 12.12 | 0.9547 | -- | 1.03 | 0.6393 | 0.6393 | 7.53 | 8.12 | -- | -- | -- | -- | 0.2593 | 0.4883 | -- | -- | -- | -- | 8.49 | 15.21 | -- | -- | -- | 78.70 | 24.14 | 9.46 | -80.73 | -22.60 | 15.69 | -5.59 |
| 1895 Bancorp of Wisconsin Inc | 22.18m | -4.84m | 43.82m | 79.00 | -- | 0.6137 | -- | 4.02 | -0.8755 | -1.22 | 1.98 | 11.89 | -- | -- | -- | -- | -0.867 | -0.1252 | -- | -- | -- | -- | -44.36 | -4.04 | -- | -- | -- | -- | 26.87 | 4.48 | -3,205.41 | -- | -7.31 | -- |
| Pacific Valley Bank | 27.06m | 4.78m | 44.11m | -- | 9.30 | 0.8379 | -- | 2.26 | 0.9673 | 0.9673 | 3.94 | 10.74 | -- | -- | -- | -- | 0.9173 | -- | -- | -- | -- | -- | 24.53 | -- | -- | -- | -- | -- | 23.82 | -- | -6.91 | -- | -- | -- |
| First Bankers Trustshares Inc | 26.74m | 8.38m | 44.17m | -- | 5.42 | -- | -- | 0.9979 | 2.72 | 2.72 | 14.36 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 18.94 | -- | -- | -- | -- | -- | 2.40 | -- | 29.96 | -- | -- | -- |
| Texas Community Bancshares Inc | 20.25m | -2.40m | 45.75m | 62.00 | -- | 0.8888 | -- | 4.87 | -0.8143 | -0.8143 | 3.09 | 16.15 | -- | -- | -- | -- | -0.5446 | -- | -- | -- | -- | -- | -25.56 | -- | -- | -- | -- | -- | 51.03 | -- | -141.79 | -- | -- | -- |
| Mission Valley Bancorp | 33.55m | 7.36m | 45.97m | -- | 6.22 | 0.8671 | -- | 1.26 | 2.22 | 2.22 | 10.99 | 15.93 | -- | -- | -- | -- | 1.22 | 0.9318 | -- | -- | -- | -- | 20.13 | 18.02 | -- | -- | -- | 5.68 | 51.90 | 16.82 | 54.30 | 18.44 | -8.89 | -- |
| Oak Ridge Financial Services, Inc. | 33.27m | 5.83m | 46.32m | 89.00 | 7.96 | 0.7861 | -- | 1.78 | 2.13 | 2.13 | 9.49 | 21.56 | -- | -- | -- | -- | 0.9533 | 1.01 | -- | -- | -- | -- | 22.44 | 23.65 | -- | -- | -- | 13.57 | 30.85 | 9.71 | -13.82 | 7.60 | -- | -- |
| Bayfirst Financial Corp | 73.45m | 4.79m | 46.55m | 313.00 | 10.70 | 0.5484 | 3.86 | 0.5133 | 1.05 | 1.02 | 19.57 | 24.34 | -- | -- | -- | -- | 0.5358 | -- | -- | -- | -- | -- | 6.54 | -- | -- | -- | -- | -- | 77.66 | -- | 6.54 | -- | -- | -- |
| Harford Bank | 27.15m | 6.46m | 47.56m | 88.00 | 7.42 | 0.8069 | 6.80 | 1.94 | 4.34 | 4.34 | 16.52 | 39.90 | -- | -- | -- | -- | 1.02 | -- | -- | -- | -- | -- | 26.28 | -- | -- | -- | -- | -- | 32.93 | -- | 25.99 | -- | -- | -- |
| Highlands Bankshares Inc (West Virginia) | 24.76m | 3.56m | 49.40m | 4.00 | 13.89 | 0.8898 | -- | 2.29 | 2.66 | 2.66 | 16.13 | 41.53 | -- | -- | -- | -- | 0.6614 | 0.8173 | -- | -- | -- | -- | 16.49 | 18.90 | -- | -- | -- | 59.05 | 18.97 | 5.06 | -19.65 | -1.77 | 21.73 | 1.76 |
| Oregon Pacific Bancorp | 34.27m | 8.39m | 49.41m | 142.00 | 5.88 | 0.8599 | -- | 1.46 | 1.19 | 1.19 | 4.79 | 8.13 | -- | -- | -- | -- | 1.08 | 1.11 | -- | -- | -- | -- | 24.79 | 24.02 | -- | -- | -- | -- | 33.75 | 23.04 | 29.23 | 28.79 | 32.13 | -- |
| Bank of the James | 40.77m | 8.91m | 50.11m | 163.00 | 5.63 | 0.8292 | 6.22 | 1.19 | 1.96 | 1.96 | 9.28 | 13.30 | -- | -- | -- | -- | 0.9216 | 0.8305 | -- | -- | -- | -- | 21.12 | 18.69 | -- | -- | -- | 18.24 | 23.57 | 7.85 | -2.85 | 10.42 | -7.31 | 7.96 |
| Northway Financial Inc | -100.00bn | -100.00bn | 50.49m | 249.00 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 19.17 | -- | -- | -- | -- | -- | 2.09 | -- | 18.30 | -- | 1.81 |
Data as of May 31 2024. Currency figures normalised to Bayfirst Financial Corp's reporting currency: US Dollar USD
14.63%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| First Manhattan Co LLCas of 31 Mar 2024 | 139.02k | 3.36% |
| The Vanguard Group, Inc.as of 31 Mar 2024 | 104.74k | 2.53% |
| Gator Capital Management LLCas of 31 Mar 2024 | 62.00k | 1.50% |
| Avantax Planning Partners, Inc.as of 31 Mar 2024 | 56.11k | 1.36% |
| Benjamin Partners, Inc.as of 31 Mar 2024 | 55.08k | 1.33% |
| BlackRock Fund Advisorsas of 31 Mar 2024 | 48.02k | 1.16% |
| Graham Capital Wealth Management LLCas of 31 Mar 2024 | 45.40k | 1.10% |
| Kennedy Capital Management LLCas of 31 Mar 2024 | 35.43k | 0.86% |
| Geode Capital Management LLCas of 31 Mar 2024 | 31.21k | 0.76% |
| FourThought Financial Partners LLCas of 31 Mar 2024 | 27.93k | 0.68% |
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Data from 31 Mar 2024 - 31 Mar 2024Source: FactSet Research Systems Inc.
