Stock fact sheet · data as of
BayFirst Financial Corp. (BAFN): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Speculative / Distressed
Is BAFN undervalued?
At 6.34 (close of 16 Oct 2026), BAFN trades 98% below the GLS average fair value of 333.00. That average comes from 2 models run on the latest filings, and 2 of them land above the current price. Margins of safety over 30% are the exception rather than the rule across the ~7,400 stocks we value each night, so the number earns BayFirst Financial Corp. the full Value points in the Wheel Score - and a closer look at what the market is pricing in.
The average is built from just 2 models (DCF, 10 Cap) - the rest returned nothing because an input they need (dividends, free cash flow, book value) is zero or negative - so treat it with more caution than usual.
The nightly engine files BAFN under Speculative / Distressed - negative earnings or a Piotroski score of 3 or less - which caps its Wheel Score at 45 and keeps it out of the Sunday Scan.
Nine valuation models for BAFN
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 45.52 | +619% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | - | - | The most a defensive investor pays for the earnings and book value per share; no value tonight |
| Graham Growth | - | - | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields; no value tonight |
| Lynch | - | - | EPS × the earnings growth rate (PEG of 1), growth capped at 25%; no value tonight |
| GLS Growth | - | - | EPS compounded ten years at the blended growth rate, discounted back at 15% a year; no value tonight |
| 10 Cap | 620.47 | +9694% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | - | - | Eight years of compounded free cash flow: the price at which the business pays for itself; no value tonight |
| DDM | - | - | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend; no value tonight |
| EPV | - | - | Earnings power value: current EPS capitalised at 9% with no growth; no value tonight |
| Zombie (liquidation) | -242.83 | -3933% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
BayFirst Financial Corp. scores only 4 of 9 on the Piotroski F-score, which fails the Sunday Scan's "6 or more" rule. A reading this low means several of the basic tests - positive earnings, positive operating cash flow, falling debt, no new share issuance - are not met. A GLS Moat score of 2.1/10 is a weak reading: the ten-year history the score grades (revenue, EPS, book value, margins, cash flow, share count, ROIC) has not been steady, so the Moat part of the Wheel Score contributes little.
Returns on capital are thin or negative - ROIC -21.2%, ROE -26.2%, ROA -1.8% - with debt at 0.24 times equity and a free-cash-flow yield of 568.1%.
BayFirst Financial Corp. pays no dividend, so the DDM model does not apply and a covered-call holder earns only the premium and any price gain.
Institutional ownership scores 2/10, insider activity 10/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 4 / 9 | ROIC | -21.2% |
|---|---|---|---|
| GLS Moat | 2.1 / 10 | ROE | -26.2% |
| Debt / equity | 0.24 | ROA | -1.8% |
| Free-cash-flow yield | 568.1% | Payout ratio | -3% |
| Institutions | 2 / 10 | Insiders · Congress | 10 · 5 / 10 |
Wheel Score 39: No options
No options are listed on BayFirst Financial Corp. in our nightly snapshot. The Wheel Score is therefore capped at 39 (it reads 39) and the stock is left out of every options screen; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 178k shares a day on a market cap of $26M, with a beta of 0.38 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 8 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 25 / 25 | 98% margin of safety | |
| Health | 9 / 20 | Piotroski 4/9 | |
| Moat | 3 / 15 | moat 2.1/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 8 / 20 | 178k shares/day, $26M cap, beta 0.38 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
BayFirst Financial Corp. reports earnings on 29 Oct 2026 (after the close) - inside the 14-day window the Sunday Scan avoids, because a put sold now would carry the report's gap risk.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to BayFirst Financial Corp. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| CNBA Chester Bancorp, Inc. | 5.85 | 3.00 | -95% | 23No options | $26M |
| APLO Apollo Bancorp, Inc. | 52.00 | 69.13 | +25% | 39No options | $26M |
| GTPS Great American Bancorp, Inc. | 72.30 | 270.12 | +73% | 39No options | $26M |
| MNBO MNB Holdings Corporation | 56.30 | 41.39 | -36% | 17No options | $26M |
| HRGG Heritage NOLA Bancorp, Inc. | 21.30 | 5.53 | -285% | 23No options | $26M |
| FLEW Fleetwood Bank Corporation | 83.00 | 100.24 | +17% | 34No options | $25M |
| FBPI First Bancorp of Indiana, Inc. | 14.50 | 10.66 | -36% | 25No options | $25M |
| CTYP Community Bankers' Corporation | 10.80 | 14.45 | +25% | 39No options | $24M |
| VWFB VWF Bancorp, Inc. | 14.65 | 4.66 | -215% | 25No options | $28M |
| CNAF Commercial National Financial Corporation | 8.38 | 8.66 | +3% | 39No options | $24M |
| EBSH Empire Bancshares, Inc. | 44.00 | 30.36 | -45% | 14No options | $29M |
| SNNF Seneca Bancorp, Inc. | 12.85 | 11.11 | -16% | 39No options | $23M |
⚖ Compare BAFN with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about BAFN
Is BAFN undervalued right now?
By the GLS models, yes: at 6.34 the stock is 98% below the average fair value of 333.00 (data as of 16 Oct 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of BAFN and what does it mean?
BAFN has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for BAFN?
333.00 per share as of 16 Oct 2026 - the simple average of the 2 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does BayFirst Financial Corp. report earnings next?
The next earnings report is due on 29 Oct 2026 (after the close), 13 days from the data date of 16 Oct 2026. The Calendars page lists every upcoming report with its time of day.
Does BAFN have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on BAFN, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.