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BayFirst Financial Corp is a bank holding company, it generates its revenue from interest on loans and the gain-on-sale income derived from the sale of loans into the secondary market. The company serves a broad spectrum of individuals, families, and small businesses, supported by national business lines in residential and SBA lending and technology platforms. The primary source of funding for its loans is deposits. BayFirst measures performance through net interest income after provision for loan losses, return on average assets, and return on average common equity, while maintaining appropriate regulatory leverage and risk-based capital ratios. The company has various segment such as Real Estate(Residential, Commercial, and Construction & Land), Commercial and Industrial, Consumer.
2000
299
Last FY Revenue $80.5M
Last FY EBITDA n/a
$115M
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In the most recent fiscal year, BayFirst Financial achieved revenue of $80.5M and an EBITDA of n/a.
BayFirst Financial expects next 12-month revenue of XXX and NTM EBITDA of XXX
See BayFirst Financial valuation multiples based on analyst estimates| NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|
| Revenue | XXX | $80.5M | XXX | XXX | XXX |
| Gross Profit | XXX | n/a | XXX | XXX | XXX |
| Gross Margin | XXX | n/a | XXX | XXX | XXX |
| EBITDA | XXX | n/a | XXX | XXX | XXX |
| EBITDA Margin | XXX | n/a | XXX | XXX | XXX |
| EBIT | XXX | n/a | XXX | XXX | XXX |
| EBIT Margin | XXX | n/a | XXX | XXX | XXX |
| Net Profit | XXX | $12.6M | XXX | XXX | XXX |
| Net Margin | XXX | 16% | XXX | XXX | XXX |
| Net Debt | XXX | n/a | XXX | XXX | XXX |
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As of August 15, 2025, BayFirst Financial's stock price is $9.
BayFirst Financial has current market cap of $38.2M, and EV of $115M.
See BayFirst Financial trading valuation data| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $115M | $38.2M | XXX | XXX | XXX | XXX | n/a |
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Start Free TrialAs of August 15, 2025, BayFirst Financial has market cap of $38.2M and EV of $115M.
BayFirst Financial's trades at 1.4x EV/Revenue multiple, and n/a EV/EBITDA.
Equity research analysts estimate BayFirst Financial's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
BayFirst Financial's P/E ratio is not available.
See valuation multiples for BayFirst Financial and 15K+ public comps| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Market cap (current) | $38.2M | XXX | $38.2M | XXX | XXX | XXX |
| EV (current) | $115M | XXX | $115M | XXX | XXX | XXX |
| EV/Revenue | n/a | XXX | 1.4x | XXX | XXX | XXX |
| EV/EBITDA | n/a | XXX | n/a | XXX | XXX | XXX |
| EV/EBIT | n/a | XXX | n/a | XXX | XXX | XXX |
| EV/Gross Profit | n/a | XXX | n/a | XXX | XXX | XXX |
| P/E | n/a | XXX | 3.0x | XXX | XXX | XXX |
| EV/FCF | n/a | XXX | 0.3x | XXX | XXX | XXX |
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Access all public comps and forward-looking valuation multiples like EV/Revenue in 2025, based on equity research analyst estimates.
Start Free TrialBayFirst Financial's revenue per employee in the last FY averaged $0.3M, while opex per employee averaged n/a for the same period.
BayFirst Financial's rule of 40 is unknown (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).
BayFirst Financial's rule of X is unknown (created by Bessemer, rule of X is another metric relevant for SaaS companies only, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).
See operational valuation multiples for BayFirst Financial and other 15K+ public comps| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Revenue Growth | n/a | XXX | n/a | XXX | XXX | XXX |
| EBITDA Margin | n/a | XXX | n/a | XXX | XXX | XXX |
| EBITDA Growth | n/a | XXX | n/a | XXX | XXX | XXX |
| Rule of 40 | n/a | XXX | n/a | XXX | XXX | XXX |
| Bessemer Rule of X | XXX | XXX | n/a | XXX | XXX | XXX |
| Revenue per Employee | XXX | XXX | $0.3M | XXX | XXX | XXX |
| Opex per Employee | XXX | XXX | n/a | XXX | XXX | XXX |
| S&M Expenses to Revenue | XXX | XXX | 3% | XXX | XXX | XXX |
| G&A Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| R&D Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| Opex to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
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Benchmark public comps and private revenue and EBITDA valuation multiples across GRC software, cloud infrastructure, DevOps, online marketplaces and so much more!
| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| 2025E | 2026E | 2027E | 2025E | 2026E | 2027E | |
| Abu Dhabi Commercial Bank | XXX | XXX | XXX | XXX | XXX | XXX |
| Abu Dhabi Islamic Bank | XXX | XXX | XXX | XXX | XXX | XXX |
| First Abu Dhabi Bank | XXX | XXX | XXX | XXX | XXX | XXX |
| Invest Bank | XXX | XXX | XXX | XXX | XXX | XXX |
| National Bank of Fujairah | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc.
BayFirst Financial acquired XXX companies to date.
Last acquisition by BayFirst Financial was XXXXXXXX, XXXXX XXXXX XXXXXX . BayFirst Financial acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX ).
See M&A valuation multiples| Acquired Company | EV | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
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Start Free Trial| When was BayFirst Financial founded? | BayFirst Financial was founded in 2000. |
| Where is BayFirst Financial headquartered? | BayFirst Financial is headquartered in United States of America. |
| How many employees does BayFirst Financial have? | As of today, BayFirst Financial has 299 employees. |
| Who is the CEO of BayFirst Financial? | BayFirst Financial's CEO is Mr. Thomas G. Zernick. |
| Is BayFirst Financial publicy listed? | Yes, BayFirst Financial is a public company listed on NAS. |
| What is the stock symbol of BayFirst Financial? | BayFirst Financial trades under BAFN ticker. |
| When did BayFirst Financial go public? | BayFirst Financial went public in 2015. |
| Who are competitors of BayFirst Financial? | Similar companies to BayFirst Financial include e.g. Abu Dhabi Commercial Bank, Abu Dhabi Islamic Bank, First Abu Dhabi Bank, Invest Bank. |
| What is the current market cap of BayFirst Financial? | BayFirst Financial's current market cap is $38.2M |
| Is BayFirst Financial profitable? | Yes, BayFirst Financial is EBITDA-positive (as of the last 12 months). |
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