BayFirst Financial Corp.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from BayFirst Financial Corp.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
1/3 · 2/3Sales grew in 1 of the last 3 years; profit grew in 2 of 3.
Less steady than 71% of Financial Services companies in United States.
Growth Efficiency Ratio
—Sales barely changed
Sales changed by -5% in 3 years, too little to measure extra profit per extra sales.
Asset Productivity Ratio
-5% / +38%In 3 years sales changed by -5% while total assets changed by +38%. Assets grew faster than sales.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
99%Of every $100 the company owns, $99 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 69% of Financial Services companies in United States.
Tangible Net Worth Ratio
85%Of every $100 of net worth, $85 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 52% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
BayFirst Financial Corp. made a loss over the last year. BayFirst Financial Corp. owes $0.90 for every $1 it owns. BayFirst Financial Corp. made a loss in the year to Dec 2025, after a profit the year before.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
LossBayFirst Financial Corp. made a loss over the last year, so its P/E ratio is not meaningful.
P/B ratio
1.59The share price is 1.59 times BayFirst Financial Corp.'s book value per share, higher than 72% of Financial Services companies in United States.
Market cap
$185 MThe total market value of all of BayFirst Financial Corp.'s shares at today's price (share price × number of shares), smaller than 84% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$116 MWhat BayFirst Financial Corp. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$4.30Net worth divided by the number of shares. The share price of $6.85 is 1.6 times this, which is the P/B above.
Return on equity (ROE)
-52.4%BayFirst Financial Corp. lost 52.4% of its shareholders' money over the last year, lower than 94% of Financial Services companies in United States.
Owes vs Owns
0.90×BayFirst Financial Corp. owes $0.90 for every $1 it owns (high), higher than 79% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
NoneBayFirst Financial Corp. does not currently pay a dividend.
Revenue growth
-29%Revenue fell 29% in the year to Dec 2025, and shrank 2% a year on average over 3 years.
Profit growth
LossBayFirst Financial Corp. made a loss in the year to Dec 2025, after a profit the year before.
Profit margin
-44.6%BayFirst Financial Corp. lost $45 for every $100 of revenue.
Questions
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For BayFirst Financial Corp.: $185 M ÷ $116 M (30 Jun 2026) = 1.6.
What is BayFirst Financial Corp.'s return on equity?
BayFirst Financial Corp. lost 52.4% of its shareholders' money over the last year, lower than 94% of Financial Services companies in United States.
How much does BayFirst Financial Corp. owe compared with what it owns?
BayFirst Financial Corp. owes $0.90 for every $1 it owns (high), higher than 79% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does BayFirst Financial Corp. pay a dividend?
No. BayFirst Financial Corp. does not currently pay a dividend.
Is BayFirst Financial Corp.'s revenue growing?
Revenue fell 29% in the year to Dec 2025, and shrank 2% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.