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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)68.52m
- Net income in USD4.95m
- Incorporated2000
- Employees307.00
- 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) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Highlands Bankshares Inc (West Virginia) | 24.76m | 3.56m | 46.86m | 4.00 | 13.17 | 0.844 | -- | 2.17 | 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 |
| Century Financial Corp | 21.34m | 8.00m | 49.06m | 165.00 | 6.21 | 0.9636 | -- | 2.10 | 4.61 | 4.61 | 13.55 | 29.75 | -- | -- | -- | -- | 1.72 | -- | -- | -- | -- | -- | 34.20 | -- | -- | -- | -- | -- | 48.86 | -- | 36.55 | -- | -- | -- |
| Oregon Pacific Bancorp | 33.30m | 9.23m | 49.48m | 131.00 | 5.35 | 0.8808 | -- | 1.45 | 1.31 | 1.31 | 4.83 | 7.95 | -- | -- | -- | -- | 1.22 | 1.11 | -- | -- | -- | -- | 27.10 | 24.02 | -- | -- | -- | -- | 33.75 | 23.04 | 29.23 | 28.79 | 32.13 | -- |
| Consumers Bancorp, Inc. | 45.76m | 9.76m | 49.80m | 173.00 | 5.09 | 0.7841 | -- | 1.33 | 3.14 | 3.14 | 12.08 | 20.40 | -- | -- | -- | -- | 0.9315 | 1.08 | -- | -- | -- | -- | 26.00 | 27.09 | -- | -- | -- | 20.99 | 19.84 | 18.45 | -4.63 | 22.13 | 21.49 | 6.56 |
| Northway Financial Inc | -100.00bn | -100.00bn | 50.22m | 249.00 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 19.17 | -- | -- | -- | -- | -- | 2.09 | -- | 18.30 | -- | 1.81 |
| First Bankers Trustshares Inc | 26.74m | 8.38m | 50.32m | -- | 6.18 | -- | -- | 1.14 | 2.72 | 2.72 | 14.36 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 18.94 | -- | -- | -- | -- | -- | 2.40 | -- | 29.96 | -- | -- | -- |
| Bayfirst Financial Corp | 68.52m | 4.95m | 52.35m | 307.00 | 10.59 | 0.6124 | 6.19 | 0.6074 | 1.20 | 1.14 | 20.82 | 24.50 | -- | -- | -- | -- | 0.5752 | -- | -- | -- | -- | -- | 6.86 | -- | -- | -- | -- | -- | 77.66 | -- | 6.54 | -- | -- | -- |
| Uwharrie Capital Corp | 45.72m | 8.03m | 53.34m | 171.00 | 6.65 | 1.38 | 4.86 | 1.27 | 1.13 | 1.13 | 5.92 | 5.44 | -- | -- | -- | -- | 0.8218 | 0.8874 | -- | -- | -- | -- | 20.39 | 19.35 | -- | -- | -- | 0.00 | 44.85 | 15.89 | 4.52 | 33.32 | 10.17 | -- |
| Bank of San Francisco | 29.31m | 6.93m | 54.92m | -- | 7.84 | 0.8032 | 10.32 | 2.42 | 3.32 | 3.32 | 10.85 | 32.43 | -- | -- | -- | -- | 1.15 | 1.12 | -- | -- | -- | -- | 30.59 | 29.10 | -- | -- | -- | -- | 18.53 | 15.96 | 18.22 | 15.91 | -- | -- |
| F & M Bank Corp | 56.33m | 2.77m | 55.02m | 151.00 | 19.81 | 0.7031 | 13.36 | 1.33 | 0.7976 | 0.7976 | 11.89 | 22.47 | -- | -- | -- | -- | 0.2182 | 0.6693 | -- | -- | -- | -- | 6.70 | 16.43 | -- | -- | -- | 50.07 | 33.67 | 9.14 | -66.69 | -19.91 | 12.69 | 1.83 |
| Citizens Bancorp of Virginia Inc | 13.77m | 3.57m | 55.27m | 108.00 | 16.40 | 1.35 | 13.84 | 3.86 | 1.59 | 1.59 | 6.36 | 19.33 | -- | -- | -- | -- | 1.06 | 1.01 | -- | -- | -- | -- | 24.91 | 23.36 | -- | -- | -- | 47.63 | -3.84 | -4.18 | 2.30 | 5.23 | 9.95 | 1.43 |
| Bank Of Botetourt | 34.38m | 7.70m | 55.35m | 84.00 | 7.22 | 0.7467 | -- | 1.83 | 3.95 | 3.95 | 15.51 | 38.32 | -- | -- | -- | -- | 1.09 | 1.05 | -- | -- | -- | -- | 27.07 | 25.77 | -- | -- | -- | 20.35 | 33.41 | 13.26 | -1.41 | 12.34 | -- | 7.14 |
| First US Bancshares Inc | 52.81m | 8.49m | 55.56m | 153.00 | 7.21 | 0.6077 | 5.30 | 1.36 | 1.33 | 1.33 | 6.39 | 15.80 | -- | -- | -- | -- | 0.8208 | 0.5931 | -- | -- | -- | -- | 20.83 | 13.22 | -- | -- | -- | 14.97 | 28.18 | 7.29 | 23.62 | 27.79 | -1.12 | 20.11 |
| United Bancshares Inc | 47.20m | 8.61m | 55.57m | 211.00 | 6.53 | 0.5917 | -- | 1.37 | 2.80 | 2.80 | 13.17 | 30.93 | -- | -- | -- | -- | 0.7972 | 1.16 | -- | -- | -- | -- | 21.26 | 23.81 | -- | -- | -- | 19.13 | 21.21 | 6.55 | -23.91 | 0.922 | -- | 12.89 |
| Pathfinder Bancorp Inc (MARYLAND) | 67.66m | 7.02m | 56.69m | 161.00 | 10.32 | 0.613 | 5.23 | 1.29 | 1.16 | 1.16 | 7.31 | 19.59 | -- | -- | -- | -- | 0.6576 | 0.746 | -- | -- | -- | -- | 21.36 | 22.34 | -- | -- | -- | 23.09 | 32.42 | 14.22 | -27.78 | 11.74 | -19.15 | 8.67 |
| Blue Ridge Bankshares Inc | 169.00m | -51.77m | 57.17m | 507.00 | -- | 0.2612 | -- | 0.4703 | -2.72 | -2.72 | 6.42 | 9.69 | -- | -- | -- | -- | -1.66 | 0.5045 | -- | -- | -- | -- | -42.58 | 8.48 | -- | -- | -- | 50.96 | 32.57 | 49.76 | -287.75 | -- | -14.44 | -- |
Data as of Apr 18 2024. Currency figures normalised to Bayfirst Financial Corp's reporting currency: US Dollar USD
17.19%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| First Manhattan Co LLCas of 31 Dec 2023 | 139.02k | 3.38% |
| The Banc Funds Co LLCas of 31 Dec 2023 | 138.75k | 3.38% |
| The Vanguard Group, Inc.as of 31 Dec 2023 | 121.88k | 2.97% |
| Gator Capital Management LLCas of 31 Dec 2023 | 62.00k | 1.51% |
| Avantax Planning Partners, Inc.as of 31 Dec 2023 | 56.11k | 1.37% |
| Benjamin Partners, Inc.as of 31 Dec 2023 | 55.08k | 1.34% |
| BlackRock Fund Advisorsas of 31 Dec 2023 | 48.24k | 1.17% |
| Geode Capital Management LLCas of 31 Dec 2023 | 29.98k | 0.73% |
| FourThought Financial Partners LLCas of 31 Dec 2023 | 27.93k | 0.68% |
| Kennedy Capital Management LLCas of 31 Dec 2023 | 27.65k | 0.67% |
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Data from 31 Dec 2023 - 31 Dec 2023Source: FactSet Research Systems Inc.
