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BayFirst Financial Corp (BAFN) Fair Value & Analysis

Financial Services · US · Market cap $20.5M

Price$4.61
Fair Value$7.62
Upside+65.3%
Quality95/100
Evidence: Medium Range $3.42 – $13.16

Fair value as of: Jun 26, 2026

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Analysis

BayFirst Financial Corp (BAFN) currently trades at $4.61, while our model-based Fair Value estimate is $7.62 — implying the stock looks roughly 65.3% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: medium) — always confirm before acting.

About the company

BayFirst Financial Corp. operates as the bank holding company for BayFirst National Bank that provides community banking services for small and medium sized businesses and individuals. The company offers checking, savings, negotiable order of withdrawal, and money market deposit accounts, as well as certificates of deposit and individual retirement accounts; and safety deposit boxes. It also provides commercial real estate mortgages; construction and development, working capital, and business loans; auto, boat, and recreational vehicle loans; and residential mortgages, personal lines of credit, and home equity lines of credit. In addition, the company offers internet, mobile and online banking, lock box services, remote capture and deposit, treasury management, wire transfers, cash management, merchant processing, remote deposit capture, night depository, online bill payment, courier, retail investment, ACH originations, and other services. It operates full-service banking centers i…

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Frequently asked questions

Is BayFirst Financial Corp (BAFN) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $7.62 versus a price of $4.61 — about +65% (undervalued). Model-based estimate, not financial advice.
What is the fair value of BAFN?
Our 21-model fair value for BayFirst Financial Corp is $7.62 (as of Jun 26, 2026), built from audited fundamentals. The current price is $4.61.
What is the quality score of BAFN?
BayFirst Financial Corp has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.