BayFirst Financial

BAFN

Banks - Regional · Financial Services

Price

$7.39

+0.03 (+0.34%)

extended-hours:$7.50+1.42%

Market Cap

$30.4M

Exchange

NASDAQ Capital Market

Winston Score

Winston is worried

Below-average fundamentals — multiple weak pillars.

Data as of Aug 26, 2026 · filings through Jun 30, 2026

How the score breaks down

Growth

Weak

Valuation

Data not available

Dividends

Good

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Winston Score History

The full picture

Founded in 1999 and headquartered in Saint Petersburg, Florida, BayFirst Financial Corp. functions as the parent entity for First Home Bank. This financial institution offers a comprehensive array of commercial and consumer banking solutions for both businesses and individual clients. Its product portfolio includes various deposit accounts such as checking, savings, and certificates of deposit. Borrowers can access a range of home financing options, including residential mortgages, home equity loans, and home equity lines of credit. For businesses, specialized lending programs are available, encompassing minority lending initiatives, PPP loan forgiveness services, SBA loans, and general commercial lending. Furthermore, the company provides treasury management, merchant services, online banking, investment products, and credit cards. As of January 26, 2022, BayFirst Financial Corp. operated seven full-service branch locations across Florida in St. Petersburg, Seminole, Pinellas Park, Clearwater, Sarasota, Tampa, and Belleair Bluffs, alongside 23 mortgage loan production offices. The firm adopted its current name in May 2021, having previously operated as First Home Bancorp, Inc.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-68.9% YoY

YoY Growth Rate

Revenue declining

EPS Growth

<−1,000% YoY

YoY Growth Rate

Earnings declining

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Cash Position

Cash flow positive

$1.0B cash & investments

Quarterly Free Cash Flow

↓ Burn rate worsening

Company generates more cash than it spends — no dilution risk from fundraising

Revenue declining

BayFirst Financial's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Share count broadly stable

+0.7% over 4y

The share count has stayed roughly flat over this period — little dilution or buyback activity.

Diluted shares outstanding: 4.1M (2021) → 4.1M (2025)

Score breakdown

Every number that matters to educated investors.

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Bank Quality

Not applicable for this business.

Growth

Sales growth

Sales YoY

-46.8%

Shrinking sales (-46.8% YoY)

Profit growth

EPS YoY

-888.9%

Earnings shrinking (-888.9% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

How steady the profit is

EPS Consistency

1/8 quarters

Earnings rarely grow — volatile business

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Capital Strength

Not applicable for this business.

Asset Quality

Not applicable for this business.

Valuation

Price vs profit

P/E Ratio (TTM)

N/M

Negative earnings — P/E not meaningful

Cheaper or dearer next year

P/E vs Forward

N/A

not available

Data not available

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Dividends

Dividend

Dividend Yield

4.33%

Healthy income — 4.33% yield

Generous yield. Worth checking whether the payout is sustainable.

Dividend record

Dividend Growth

+0.0%

Dividend flat

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