BayFirst Financial Corp. (BAFN) is a Banks - Regional company in the Financial Services sector, currently trading at $7.26. It has a SharesGrow Score of 58/100, indicating a above average investment profile with 2 out of 7 criteria passed.
SharesGrow calculates the intrinsic value of BAFN = $16.69 (+129.8% from the current price, the stock appears undervalued).
Valuation: BAFN trades at a trailing Price-to-Earnings (P/E) of -1.2 (S&P 500 average ~25) with a forward Price/Earnings-to-Growth (PEG) of 0.01.
Financials: revenue is $104M, +21%/yr average growth. Net income is $23M (loss), growing at +524.3%/yr. Net profit margin is -22% (negative). Gross margin is 38% (-50.2 pp trend).
Balance sheet: total debt is $21M against $88M equity (Debt-to-Equity (D/E) ratio 0.24, conservative). Current ratio is 16.66 (strong liquidity). Debt-to-assets is 1.6%. Total assets: $1.3B.
SharesGrow 7-Criteria breakdown: Value 100/100 (Pass), Growth 100/100 (Pass), Past 50/100 (Partial), Health 67/100 (Partial), Moat 29/100 (Fail), Future ?/100 (Fail), Income 10/100 (Fail).
