BayFirst Financial Corp.(BAFN)Stock Analysis
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Not in ranked universe
Limited institutional coverage
Quality rankings require at least 50 unique 13-F institutional holders to ensure peer comparisons are meaningful. Only 16 institutional filers currently hold this stock.
Financial data, filings, and institutional holdings below are still tracked in full — only the proprietary quality composite is unavailable for this name.
BAFN Stock Analysis & AI Quality Score
AI stock analysis and institutional research for BayFirst Financial Corp. (BAFN), a Financials sector company. BAFN is not currently included in 13F Pro's AI-ranked quality universe — quality rankings require at least 50 unique 13-f institutional holders to ensure peer comparisons are meaningful. only 16 institutional filers currently hold this stock. Based on the latest XBRL financial filings (Q1 2026), BayFirst Financial Corp. reports quarterly revenue of $10.3M, net income of $-5.7M, an operating margin of -73.9%. Top institutional holders of BAFN by reported 13-F value include VANGUARD CAPITAL MANAGEMENT, FIRST MANHATTAN CO., BANC FUNDS CO, based on the most recent SEC filings. BAFN trades on the Nasdaq exchange and files with the SEC under CIK 1649739. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate BAFN daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for BayFirst Financial Corp. directly from SEC EDGAR.
Revenue
Q1 2026
$10.3M
Net Income
Q1 2026
$-5.7M
Free Cash Flow
Q1 2026
$-3.2M
Operating Margin
Q1 2026
-73.9%
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · Pro+Net Income
-282.0% YoYEPS (Diluted)
-326.3% YoYTotal Assets
+0.9% YoYOp. Cash Flow
-26.9% YoY| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2020 |
|---|---|---|---|---|
| Net Income | $-22.9M -282.0% | $12.6M +121.0% | $5.7M -55.1% | $12.7M |
| EPS (Diluted) | $-5.93 -326.3% | $2.62 +133.9% | $1.12 -44.2% | $2.01 |
| Total Assets | $1.30B +0.9% | $1.29B +15.3% | $1.12B -27.6% | $1.54B |
| Operating Cash Flow | $285.3M -26.9% | $390.5M -14.1% | $454.8M +521.8% | $-107.8M |
AI Insight: BAFN Financial Trends
BAFN swung to sustained losses starting Q1 2025, with operating cash flow collapsing to negative territory in Q1 2026.
• Net income deteriorated from $10M profit in Q4 2024 to $-6M loss in Q1 2026, with cumulative $28M loss over last 4 quarters.
• Operating cash flow fell 97% from $97M in Q4 2024 to $-3M in Q1 2026, signaling acute liquidity stress.
• Equity declined 26% from $111M in Q4 2024 to $82M in Q1 2026, while total debt contracted 21% over same period.
⚠ Operating cash flow turned negative in Q1 2026 for first time in dataset — immediate solvency concern requiring urgent remediation.
⚠ Q3 2025 net loss of $-19M was largest quarterly loss; recovery to $-2M in Q4 2025 was brief, deteriorating again in Q1 2026.
AI Insight: BAFN Ratio Trends
BayFirst has collapsed into sustained unprofitability, with ROE plunging to -27.8% in Q1 2026 after a brief Q4 2024 spike, signaling severe operational deterioration.
• ROE swung from +35.2% in Q4 2024 to -27.8% in Q1 2026; ROA fell from +3.0% to -1.9% over same period.
• Q3 2025 marked a low point with ROE of -84.3% and ROA of -5.6%; modest recovery in Q4 2025 and Q1 2026 still deeply negative.
• TTM (Mar 2026) shows ROE of -34.5%, ROA of -2.4%, and ROIC of -46.4%—reflecting six consecutive loss-making quarters.
⚠ Q4 2024's anomalous +35.2% ROE followed by nine months of losses suggests one-time gain masked underlying weakness.
⚠ No sign of stabilization: Q1 2026 ROE (-27.8%) remains deeply negative; trend suggests ongoing systemic profitability crisis.
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Available Research
13F Pro tracks comprehensive data for BayFirst Financial Corp. including:
Top Institutional Holders of BAFN
VANGUARD CAPITAL MANAGEMENT LLC
$943.8K148,635 shFIRST MANHATTAN CO. LLC.
$812.3K127,926 shBANC FUNDS CO LLC
$582.2K91,679 shBlackRock, Inc.
$328.5K51,735 shGEODE CAPITAL MANAGEMENT, LLC
$280.4K44,153 shSALZHAUER MICHAEL
$219.7K34,606 shSTIFEL FINANCIAL CORP
$198.1K31,200 shVANGUARD FIDUCIARY TRUST CO
$134.4K21,166 shSUSQUEHANNA INTERNATIONAL GROUP, LLP
$125.7K19,790 shTactive Advisors, LLC
$98.2K15,460 sh
| Fund | Value | Shares |
|---|---|---|
| VANGUARD CAPITAL MANAGEMENT LLC | $943.8K | 148,635 |
| FIRST MANHATTAN CO. LLC. | $812.3K | 127,926 |
| BANC FUNDS CO LLC | $582.2K | 91,679 |
| BlackRock, Inc. | $328.5K | 51,735 |
| GEODE CAPITAL MANAGEMENT, LLC | $280.4K | 44,153 |
| SALZHAUER MICHAEL | $219.7K | 34,606 |
| STIFEL FINANCIAL CORP | $198.1K | 31,200 |
| VANGUARD FIDUCIARY TRUST CO | $134.4K | 21,166 |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | $125.7K | 19,790 |
| Tactive Advisors, LLC | $98.2K | 15,460 |
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Popular Research
Is BAFN a good stock to buy?
13F Pro's AI-powered analysis of BayFirst Financial Corp. (BAFN) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for BAFN are available on the BAFN stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.
Which hedge funds own BAFN?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling BAFN. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of BayFirst Financial Corp.'s investment landscape.