Bayfirst Financial Corp (BAFN)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
$5.77-3.35%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
QuarterlyIQ Insights · BAFN
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
While we still have work to do to deliver positive earnings in the short term, these accomplishments set the stage for that success.
Stated in 2 of 2 supplied quarters. Management reported: “Good morning, everyone. We are reporting a net loss of $677 thousand for the third quarter.” “This compares to the net loss of $32.7 million that we reported in the second quarter.”
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 1 of the last 3 quarter-over-quarter moves. Historically, Financials names rated weak grew net income 57% of the time over the next year (vs 59% for the rest of the cohort, n=7714).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
“While we still have work to do to deliver positive earnings in the short term, these accomplishments set the stage for that success.”
“Returning to profitability is number two.”
Our asset resolution plan contributed to significant improvements in the credit quality during the quarter.
Stated in 2 of 2 supplied quarters. Management reported: “Total unguaranteed SBA 7(a) loan balances ended the quarter at $132.4 million as of the end of September.” “In comparison, the Bank had $142 million of unguaranteed SBA 7(a) loan balances on June 30 and $171.6 million on December 31, 2025.”
“Our asset resolution plan contributed to significant improvements in the credit quality during the quarter.”
“But as Robin mentioned, we have to work diligently at working our way out of that.”
Grow core relationships,strengthen performance, expand our presence in the Tampa Bay, Sarasota, and Bradenton markets, which will deliver consistent long-term value for our shareholders.
Stated in 2 of 2 supplied quarters. Management reported: “• Community Bank loans grew 25% during the quarter.” “• Total deposits increased by $25.3 million or 2.6%.”
“Grow core relationships,strengthen performance, expand our presence in the Tampa Bay, Sarasota, and Bradenton markets, which will deliver consistent long-term value for our shareholders.”
“And of course, expanding, deepening, and growing relationships with local customers is our ultimate goal as we look to stabilize and grow the Bank.”
The offering resulted in gross proceeds of $14.4 million which will be used to improve capital levels of the Company and the Bank, and support the continued growth of the Bank.
Focus on returning BayFirst to profitability with improved credit, cost management, and revenue growth.
Over the trailing year it converted -90.89x of net income into operating cash flow.
Not enough signal yet.
Not enough signal to read sensitivity to the US dollar, the broad stock market, real (inflation-adjusted) rates, Fed net liquidity, long-term interest rates (low R² over the window).
14 material management or governance events in the past 24 months, led by executive changes. Historically, Financials names rated volatile grew net income 58% of the time over the next year (vs 59% for the rest of the cohort, n=7346).
Not investment advice. As of 2026-11-05.