베이퍼스트파이낸셜즈(BAFN) 주가 전망 및 기업 분석 - PER·배당·실적·목표주가·RSI·MACD

BAFN

BayFirst Financial Corp

7월 27일 4:00 PM ET (한국 7/28 05:00)

$6.12

+0.09 ▲ +1.49%

베이퍼스트파이낸셜즈(BAFN) is a Financial sector company, analyzed across 14 metrics on this page including P/E, EPS, dividends, RSI, and MACD.

시가총액

$25M

스몰캡

P/E

배당수익률

없음

52주 위치

17%

저점 +44% · 고점 -60%

애널리스트

Fundamental health

vs. 미분류 초소형주· based on 3 axes

수익성

산출 불가 (적자)

성장

Top 82%

밸류에이션

Top 100%

재무 안정

Top 80%

💰 Is this stock pricier than usual right now?

Compared to this company's own recent 3년 (not other companies).

Very cheap

Cheap

Typical

Pricey

🔥 Very pricey

Simply put — what you pay today to own $1 of this company's yearly earnings is 99원. Over the past 3년, it usually traded around 12원. Earnings have also shrunk, which lifts the multiple — one of the priciest stretches of the past 3년.

Pricy doesn't mean bad — it means expectations are already baked in.· based on 3 profitable years

Index ⓘ	-	P/E ⓘ	-	EPS (ttm) ⓘ	-7.23	Insider Own ⓘ	34.11%	Shs Outstand ⓘ	4.1M	Perf Week ⓘ	7.56%
Market Cap ⓘ	0.03B	Forward P/E ⓘ	-	EPS next Y ⓘ	-	Insider Trans ⓘ	-	Shs Float ⓘ	2.7M	Perf Month ⓘ	32.75%
Enterprise Value ⓘ	-	PEG ⓘ	-	EPS next Q ⓘ	-	Inst Own ⓘ	12.65%	Short Float ⓘ	9.29%	Perf Quarter ⓘ	-23.5%
Income ⓘ	-0.03B	P/S ⓘ	0.25	EPS this Y ⓘ	-	Inst Trans ⓘ	128.28%	Short Ratio ⓘ	5.65	Perf Half Y ⓘ	-8.66%
Sales ⓘ	0.10B	P/B ⓘ	0.38	EPS next 5Y ⓘ	-	ROA ⓘ	-2.27%	Short Interest ⓘ	0.25M	Perf YTD ⓘ	-22.04%
Book/sh ⓘ	16.1	P/C ⓘ	-	EPS past 3/5Y ⓘ	-172.26% -	ROE ⓘ	-29.47%	52W High ⓘ	-59.95% ($15.28)	Perf Year ⓘ	-57.78%
Cash/sh ⓘ	-	P/FCF ⓘ	0.12	Sales past 3/5Y ⓘ	17.22% -5.73%	ROIC ⓘ	-28.17%	52W Low ⓘ	43.69% ($4.26)	Perf 3Y ⓘ	-54.16%
Dividend Est. ⓘ	-	EV/EBITDA ⓘ	-	EPS Y/Y TTM ⓘ	-401.58%	Gross Margin ⓘ	-	Volatility(W/M) ⓘ	6.88% 6.71%	Perf 5Y ⓘ	-78.14%
Dividend TTM ⓘ	-	EV/Sales ⓘ	-	Sales Y/Y TTM ⓘ	-18.73%	Oper. Margin ⓘ	-31.03%	ATR (14) ⓘ	0.37	Perf 10Y ⓘ	-
Dividend Ex-Date ⓘ	2025/5/30	Quick Ratio ⓘ	-	EPS Q/Q ⓘ	-748.99%	Profit Margin ⓘ	-30.12%	RSI (14) ⓘ	65.93	Recom ⓘ	-
Dividend Gr. 3/5Y ⓘ	-	Current Ratio ⓘ	0.14	Sales Q/Q ⓘ	-37.59%	SMA20 ⓘ	10.21% ($5.55)	Beta ⓘ	0.35	Target Price ⓘ	-
Payout ⓘ	-	Debt/Eq ⓘ	0.25	Earnings ⓘ	2026/7/30	SMA50 ⓘ	9.67% ($5.58)	Rel Volume ⓘ	0.2	Prev Close ⓘ	$6.03
Employees ⓘ	144	LT Debt/Eq ⓘ	0.23	EPS/Sales Surpr. ⓘ	-	SMA200 ⓘ	-12.68% ($7.01)	Avg Volume(3M) ⓘ	0.04M	Price ⓘ	$6.12
IPO ⓘ	2019/11/20	Option/Short ⓘ	No/Yes			Trades ⓘ	203	Volume ⓘ	8,908	Change ⓘ	1.49%

Quarterly earnings trend SEC filings · USD

23.9

24.3

24.6

24.9

25.3

25.6

25.9

26.3

Revenue Net income 최근 분기: 매출 - · 순이익 $-6M (YoY -1596%)

📊 BayFirst Financial Corp (BAFN) Investment Analysis

What kind of company is BayFirst Financial Corp?

베이퍼스트파이낸셜즈(BAFN)

Financial · Banks - Regional

Small-Cap — Low Volume, High Volatility

BayFirst Financial () is a small bank holding company that operates community banks in the Tampa Bay and Sarasota areas of Florida. The company has recently restructured its strategy by exiting the SBA 7(a) lending business and refocusing on traditional community banking along with USDA/SBA 504 loans.

Learn more about BayFirst Financial Corp →

Market Cap

$0.0B

Approx. KRW 0.0 trillion

⚖️ 0% of Samsung Electronics

Market Cap Rank5182

Employees144people

IPO2019/11/20

Current Price$6.12 ≈ 8,384원

NASD · USA

Key Events

⏰ Upcoming events

🔔 Earnings release D-2

7월 30일 (목) · 장 마감 후

🎯 Ex-dividend date

No scheduled dividends

📜 Recent events

🔔 Earnings release 2026년 4월 30일 (목) · 장 마감 후

🎯 Ex-div 2025년 5월 30일 (금)

Is it profitable?

Both profitability & finances need caution

Review management risk carefully before investing

Profitability — How efficiently it makes money

Operating Margin

Profit kept from selling products and services (higher is better)

-31.0%

✓ 적자

💡 적자 상태 — 수익을 내지 못하고 있습니다

Net Margin

Share of revenue left after taxes and interest are paid

-30.1%

✓ 적자

💡 적자 상태 — 수익을 내지 못하고 있습니다

ROE

Annual return earned on shareholders' equity (15%+ is strong)

-29.5%

✓ 적자

💡 적자 상태 — 수익을 내지 못하고 있습니다

ROA

Annual earnings relative to total company assets

-2.3%

✓ 적자

💡 적자 상태 — 수익을 내지 못하고 있습니다

ROIC

Return generated per dollar invested in the business

-28.2%

✓ 적자

💡 적자 상태 — 수익을 내지 못하고 있습니다

Financial health — Debt & liquidity burden

Debt-to-Equity (D/E)

Debt relative to equity (lower is healthier)

0.25

✓ Healthy debt

My positionMid-range

Low range Average High range

Banks - Regional Median 0.42

💡 일반적으로 1.0 이하면 건전, 1.5까지는 무난 (금융·유틸·REIT는 구조적으로 높음)

Current Ratio

Liquid assets available to cover liabilities due within a year

0.14

✓ 위험

💡 1.5~3.0 적정, 1.0 미만이면 단기 유동성 주의

* Ratings reflect relative position vs. peer-group distribution (same sector & size) plus absolute guards (loss & risk thresholds).

What's the outlook?

Outlook data is insufficient

Analyst estimates and price targets have not been collected.

Did earnings meet expectations?

Insufficient historical earnings data

No analyzable past earnings releases have been collected yet.

Is it growing?

Average Growth

Mid-range within the industry

Declining Growth EPS or revenue is declining — check for structural issues or economic sensitivity

📊 How much has it grown? (actual results)

Past 3-Year EPS

Actual average annual EPS growth over the past 3 years

-172.3%

매우 부진

My positionBottom 5%

Low range Average High range

미분류 초소형주 Median 25.4% · Bottom tier

Past 5-Year Revenue

How much revenue grew over the past 5 years

-5.7%

평균

My positionMid-range

Low range Average High range

미분류 초소형주 Median 2.8% · Bottom 34%

⚡ Short-term momentum

QoQ Revenue

Revenue change from the previous quarter (short-term momentum)

-37.6%

부진

My positionBottom 25%

Low range Average High range

미분류 초소형주 Median -2.6% · Bottom 19%

* Forecast values are analyst consensus estimates. Ratings are determined by relative position vs. peer group of the same growth style and size.

New to investing terms? Look it up in the financial dictionary →

Has the stock risen over the long term?

Long-term weakness — -146%p below the market

BAFN -78.1% · S&P 500 +68.4%

Excess return vs. market (price-based, ex-dividends)

5-year basis

vs S&P 500

-146.5%p

Significantly behind the market

1-year basis

vs S&P 500

-73.8%p

Significantly behind the market

Rank among peers

5-year return Lowest among peers Based on 64 peers

1-year return Lowest among peers Based on 76 peers

Current position within 52-week range

Low (-43.7%p) High (-60.0%p)

Current price is 43.7% above the 52-week low and 60.0% below the 52-week high

Recent risk (last 120 trading days)

Max drawdown

-46.3%

Annualized volatility

70.2%

Technical Indicators

Bollinger Bands · MACD · RSI · Stochastics · Ichimoku 5-line · recent 136-day series

Price · Bollinger Bands · Ichimoku Cloud

close
BB Upper
BB Mid
BB Lower
Tenkan
Kijun
Cloud (SpanA/B)

Bollinger Bands are upper and lower channels showing the closing price range (20 days · 2σ). Touching the upper band = overheated; touching the lower band = oversold. Ichimoku Cloud shows trend direction and strength through colored areas. Prices above the cloud indicate an uptrend; prices below indicate a downtrend. About Bollinger Bands →

🟢

Current diagnosis · 2026-07-27

Uptrend zone

Current price $6.12 above the midline ($5.55). Normal upward flow. Above the Ichimoku cloud (bullish).

MACD (12 · 26 · 9) Expand ▼

An indicator that uses the difference between the short-term EMA (12) and long-term EMA (26) to identify trend reversals. When MACD rises above the Signal line, it is a buy signal (golden cross); when it falls below, it is a sell signal (death cross). About MACD →

🟢

Current diagnosis · 2026-07-27

Bullish momentum holding

MACD 0.129 > Signal 0.043 in positive zone + Hist positive (+0.085). Trend in progress.

RSI(14) · Stochastics %K(14) Expand ▼

RSI measures short-term buying and selling pressure on a scale of 0–100. 30 or below = oversold (a rebound may be possible); 70 or above = overbought (a pullback may be possible). Stoch %K similarly measures short-term momentum strength. RSI · Learn more about Stochastics →

🟢

Current diagnosis · 2026-07-27

Bullish zone

RSI 66.4 (above the neutral level of 50). Buying pressure leads, supporting a steady rise. Stoch %K is also 70.8.

※ "Current diagnosis" is an automated interpretation based on standard thresholds and is for reference only. Make your own comprehensive judgment before trading.

Is it attractive at this price?

Cheaper than peers in its industry

Cheap on Vs. Assets·Vs. Sales·Vs. Cash Flow

💡 How to read this — Compare against peers in the same industry to see what the price is cheap or expensive relative to. Example: cheap vs. earnings = stock price is low relative to what the company earns; expensive vs. assets = stock price is high relative to assets on the balance sheet.

🏢 Vs. Assets Cheap

🧾 Vs. Sales Cheap

💧 Vs. Cash Flow Cheap

🏢 Vs. Assets

PBR Price-to-Book Ratio

Price vs. the company's asset value — below 1 trades cheaper than assets

0.38x

✓ Very cheap

My positionTop 5%

Low range Average High range

Banks - Regional 초소형주 median 1.01x · Top 1% — relatively cheap within the industry

💡 PBR 1 미만이면 청산가치 이하 (금융·제조업에서 특히 의미, IT는 낮은 비중)

🧾 Vs. Sales

PSR Price-to-Sales Ratio

Market cap vs. revenue — lower is cheaper relative to sales

0.25x

✓ Very cheap

My positionTop 5%

Low range Average High range

Banks - Regional 초소형주 median 2.07x · Top 1% — relatively cheap within the industry

💡 PSR 2 이하 저평가, 10 초과면 고평가 (고성장 기업일 때만 정당화)

💧 Vs. Cash Flow

P/FCF Price-to-Free-Cash-Flow Ratio

Price vs. actual cash generation — lower means more efficient

0.12x

✓ Very cheap

My positionTop 5%

Low range Average High range

Banks - Regional 초소형주 median 12.93x · Top 1% — relatively cheap within the industry

💡 P/FCF 20 이하면 현금창출 대비 저평가 (실질 수익성 기준)

* Valuation is the stock's relative position within the industry peer group (same sector and market-cap range). Even when valuation looks attractive, check the 'Profitability' and 'Growth' sections too.

As of: Recent snapshot · Peer group: Banks - Regional 초소형주

Who owns it?

Ownership flow is positive

Institutional net buying +128.3% · Short interest moderate 9.3% · Short interest up +9.1pp over last 90d

📈 Recent trading flow (6 months)

🧑‍💼 Insiders (executives & directors)

0.0%

Insiders little change

🏦 Institutions (funds & investors)

+128.3%

Institutions large net buying

💡 Net change over the past 6 months. Shows how much insiders and institutions increased or reduced their holdings, in %.

👥 Holdings composition

🏦 Institutions 12.7%

Retail-led

Financial 초소형주 Median 30.5%

🧑‍💼 Insiders 34.1%

Founder/management large holders (strong skin-in-the-game)

Financial 초소형주 Median 23.8%

👤 Retail investors (estimated) 53.2%

Everyone excluding institutions and insiders

Institutions Insiders Retail (est.)

📉 Short-selling metrics

Short ratio

9.3%

Moderate

Financial 초소형주 Median 0.2%

Past 90 days 📈 +9.1%p increase

Short interest days to cover

5.7 days

Days needed to close short positions using average trading volume

🧮 Share count

Total shares outstanding 4.1M주

Float (tradable shares) 2.7M주

* Insider/institutional flows are based on net changes over the past 6 months. Trend is cumulative over the past 90 days.

ETFs holding BAFN

ETFs with the highest weightings · 3 total shown

IWC

iShares Micro-Cap ETF

0.00%

$1.4B

VTI

Vanguard Total Stock Market ETF

0.00%

$657.4B

VXF

Vanguard Extended Market Index ETF

0.00%

$30.4B

* Based on official quarterly filings. Latest disclosure; actual current weights may differ.

How much does it pay in dividends?

This company does not pay a dividend

It may be a growth-focused firm reinvesting profits into expansion. Consider this growth-stock profile when investing.

Compare Industry Peers

💡 vs. sector average ▲ Favorable / ▼ Unfavorable (Lower PER and PBR are better; higher ROE and dividend yield are better)

Sorted by market cap, largest first

Stock	Market Cap	PER	PBR	ROE	Dividend Yield	Change
BAFN This Stock	$25.1M	-	0.4 ▲	-29.47% ▼	-	+1.5%
BRK-B	$966.4B	14.8 ▼	1.5 ▼	10.49% ▲	-	+0.5%
BRK-A	$963.1B	14.8 ▼	1.5 ▼	10.49% ▲	-	+0.1%
JPM	$954.4B	15.3 ▼	2.7 ▼	17.71% ▲	1.8% ▼	+0.8%
V	$683.1B	31.9 ▼	19.4 ▼	59.8% ▲	0.75% ▼	+1.9%
MA	$487.5B	31.9 ▼	72.8 ▼	232.56% ▲	0.63% ▼	+2.2%
Sector Avg	-	13.6	1.3	9.39%	2.62%	-

FAQ

What kind of company is 베이퍼스트파이낸셜즈(BAFN)?

베이퍼스트파이낸셜즈(BAFN) belongs to the Financial sector and operates in the Banks - Regional industry.

What is the market cap of BAFN?

The market cap of BAFN is approximately $25M, ranking 5,182 within its sector.

What is the 52-week high and low for BAFN?

BAFN has recorded a 52-week high of $15.28 and a low of $4.26.

면책조항: 본 콘텐츠는 참고 자료이며 투자 권유가 아닙니다. 모든 투자의 책임은 투자자 본인에게 있습니다.