BAFN · BayFirst Financial Corp.
Price & Indicators
Raw chart and full-history price indicators begin at the captured split on May 12, 2021; bars on opposite sides are not compared.
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AI Brief
TL;DR.
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders NeutralIllustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| ACL to nonperforming loans | 312.32% | Q2 2026 | — |
| ACL/Total loans held for investment at amortized cost | 2.36% | Q2 2026 | — |
| Adjusted loss before income taxes non-GAAP | -$2.49M | Three Months Ended June 30, 2026 | — |
| Annualized net charge-offs as a percentage of average loans held for investment at amortized cos | 2.08% | second quarter of 2026 | — |
| CET 1 and Tier 1 capital ratios to risk-weighted assets | 11.47% | second quarter of 2026 | — |
| Deposit accounts | 21,398 | Q2 2026 | — |
| Net charge-offs/Total average loans HFI at amortized cost | 2.08% | Q2 2026 | — |
| Net interest margin | 3.48% | second quarter of 2026 | — |
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| Nonperforming assets as a percentage of total assets | 1.75% | second quarter of 2026 | — |
| Nonperforming assets, excluding government guaranteed loan balances, as a percentage of total as | 1.32% | second quarter of 2026 | — |
| On-balance sheet liquidity ratio | 14.95% | second quarter of 2026 | — |
| Past due and Nonaccrual loans to Total loans HFI at amortized cost | 3.62% | Q2 2026 | — |
| Ratio of ACL on loans to total loans held for investment at amortized cost | 5.37% | second quarter of 2026 | — |
| Ratio of ACL on loans to total loans held for investment at amortized cost, excluding government | 5.82% | second quarter of 2026 | — |
| Tangible book value per common share non-GAAP | $4.82 | As of June 30, 2026 | — |
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| Tangible common shareholders' equity non-GAAP | $19.79M | As of June 30, 2026 | — |
| Tier 1 leverage ratio | 8.3% | second quarter of 2026 | — |
| Total capital to risk-weighted assets ratio | 12.77% | second quarter of 2026 | — |
| Treasury Management Fee Income | $65K | YTD 2026 | — |
| Banking center offices | 12 | Q4 FY2025 | — |
| Full-time equivalent employees | 144 | Q4 FY2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
BAFN
this stock
BayFirst Financial Corp.
|
$172.83M | -18.3% | — | — | 1.1% |
|
MFG
Mizuho Financial Group Inc
|
$132.42B | +48.5% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$120.05B | -36.0% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$108.39B | -0.2% | — | — | 0.5% |
|
PNC
Pnc Financial Services Group, Inc.
|
$102.52B | +23.1% | +7.2% | 14.1 | 1.8% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
Raw-price comparisons begin at the captured split on May 12, 2021; windows that need an earlier baseline remain unavailable.
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| BAFN | +1.1% | +12.1% | -5.9% | -3.3% | -18.3% |
| SPY | +0.4% | +4.5% | +13.8% | +3.9% | +13.9% |
| vs SPY | +0.7% | +7.6% | -19.6% | -7.2% | -32.2% |
Capital returns
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.