BayFirst Financial Corp.
BAFNFinancial ServicesNASDAQBanks - Regional
Scan Results
Daily timeframePart of the financial services sector, BayFirst Financial Corp. (BAFN) is listed under Banks - Regional. Valued at $30.3M, BAFN is a micro-cap name in its sector. 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.
Market Cap
$30.3M
Beta
0.41
P/E (TTM)
—
P/E (Fwd)
—
EPS (TTM)
$-5.44
EPS (Fwd)
—
ROE
-29.5%
ROA
-2.3%
Cash
$134.5M
Total Debt
$20.6M
Free CF
—
52W Change
-61.7%
Annual Financials
Cash vs Debt
Where BAFN stands vs its 150-day and 200-day moving averages
As of the July 1, 2026 close, BAFN finished 25.93% below its 150-day moving average ($6.75) and 31.79% below its 200-day moving average ($7.33). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is BAFN overbought or oversold?
At the July 1, 2026 close, BAFN's RSI(14) was 33.3, in neutral territory (between 30 and 70). The MACD histogram was positive, so short-term momentum leaned bullish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
With $134.5M in cash and $20.6M in debt, BAFN maintains more liquidity than leverage. This favorable balance sheet position can be an asset when capital markets become less accommodating. Return on equity stands at -29.5%, which is negative for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. Revenue has been relatively flat, moving from $57.8M (2022) to $56.2M (2025).
BAFN's low beta indicates it tends to be less volatile than the broader market, which may suit investors seeking more stable price behavior. With cash comfortably exceeding debt, BAFN has financial flexibility that may help navigate uncertain periods. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence BayFirst Financial Corp.'s trajectory.