What is the 13F Pro Quality Score for BAFN?

13F Pro ranks BayFirst Financial Corp. (BAFN) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View BAFN's current score at https://13fpro.ai/company/BAFN (free sign-up required for the full ranking).

Which hedge funds own the most BAFN stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of BAFN include VANGUARD CAPITAL MANAGEMENT, FIRST MANHATTAN CO., BANC FUNDS CO. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/company/BAFN as soon as new 13F filings post.

Where does 13F Pro source BAFN data?

All BayFirst Financial Corp. fundamentals and ownership data come directly from SEC EDGAR. BayFirst Financial Corp. files with the SEC under CIK 1649739. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is BAFN in?

BayFirst Financial Corp. (BAFN) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is BAFN research updated on 13F Pro?

BAFN's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

BayFirst Financial Corp.(BAFN)Stock Analysis

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13F Pro Quality Score

12.0/100

Rank #2,894 of 2,962 stocks

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

1.0/100

Profitability

5.7/100

Balance Sheet

23.2/100

Earnings Quality

83.4/100

Free Cash Flow

99.9/100

Institutional Flow

3.8/100

Revenue Scale

6.1/100

Dilution Risk

86.6/100

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Why BAFN Scores 12/100

exact factor attribution · 2026-09-11

BAFN's composite is driven by free cash flow and earnings quality, held back by revenue growth and profitability. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Free cash flow

+7.5 pts

100th pct

Earnings quality

+3.3 pts

83th pct

Shareholder dilution

+2.4 pts

87th pct

Earnings growth

-3.1 pts

4th pct

Institutional flow

-3.1 pts

4th pct

Capital efficiency

-3.6 pts

23th pct

Scale

-8.8 pts

6th pct

Profitability

-8.9 pts

6th pct

Revenue growth

-13.1 pts

1th pct

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

BAFN Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for BayFirst Financial Corp. (BAFN), a Financials sector company. 13F Pro's AI-powered ranking engine scores BAFN at 12.0/100 on a 32-signal composite quality model, placing it at rank #2,894 of 2,962 stocks — the bottom half of the AI-ranked universe. BAFN scores in the top quartile across free cash flow (99.9), earnings quality (83.4). Areas of concern include revenue growth (1.0) and institutional flow (3.8), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q2 2026), BayFirst Financial Corp. reports quarterly revenue of $2.6M, net income of $-32.7M, free cash flow of $263.0K. Top institutional holders of BAFN by reported 13-F value include VANGUARD CAPITAL MANAGEMENT, FIRST MANHATTAN, BANC FUNDS, 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.

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Fun facts about BayFirst Financial Corp.

Quirks, history, and lore behind BAFN — the kind of stuff that makes a stock memorable.

1
The Basics
A community bank holding company · small-cap · listed on Nasdaq · headquartered in Florida.
2
The Numbers
Total assets in the range of roughly $800 million to $1 billion — big enough to matter locally, small enough that Wall Street rarely calls.
3
The History
Founded in the early 2000s, it built its franchise around serving small businesses and consumers along Florida's Gulf Coast.
4
The Secret
During the COVID-19 pandemic, it became a surprisingly prominent originator of SBA Paycheck Protection Program loans, punching well above its weight class nationally.
5
The Lore
Its SBA lending operation grew so aggressively that it ranked among the top PPP lenders in the country by loan count — a remarkable feat for a bank you've probably never heard of.
6
The Giveaway
A St. Petersburg, Florida community bank whose ticker — BAFN — sounds like it belongs to a superhero's sidekick, not a small-business lender on the Gulf Coast.

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Revenue

Q2 2026

$2.6M

Net Income

Q2 2026

$-32.7M

Free Cash Flow

Q2 2026

$263.0K

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

$64.2MFY 2025

FY22 $61.5MFY23 —FY24 —FY25 $64.2M

Net Income

-341.1% YoY

$-24.6MFY 2025

FY22 $-349.0KFY23 $5.7MFY24 $10.2MFY25 $-24.6M

EPS (Diluted)

-402.4% YoY

$-6.32FY 2025

FY22 $-0.22FY23 $1.12FY24 $2.09FY25 $-6.32

Total Assets

+0.9% YoY

$1.29BFY 2025

FY22 $938.9MFY23 $1.12BFY24 $1.28BFY25 $1.29B

Op. Cash Flow

-26.6% YoY

$288.8MFY 2025

FY22 $440.3MFY23 $454.8MFY24 $393.4MFY25 $288.8M

Free Cash Flow

-26.3% YoY

$288.5MFY 2025

FY22 $432.2MFY23 $447.2MFY24 $391.7MFY25 $288.5M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$64.2M	—	—	$61.5M +5.2%	$58.5M	—
Net Income	$-24.6M -341.1%	$10.2M +78.7%	$5.7M +1733.8%	$-349.0K -101.4%	$24.6M +93.8%	$12.7M
EPS (Diluted)	$-6.32 -402.4%	$2.09 +86.6%	$1.12 +609.1%	$-0.22 -103.7%	$5.91 +194.5%	$2.01
Total Assets	$1.29B +0.9%	$1.28B +14.8%	$1.12B +19.1%	$938.9M +2.4%	$917.1M -40.6%	$1.54B
Operating Cash Flow	$288.8M -26.6%	$393.4M -13.5%	$454.8M +3.3%	$440.3M -11.1%	$495.4M +559.4%	$-107.8M
Free Cash Flow	$288.5M -26.3%	$391.7M -12.4%	$447.2M +3.5%	$432.2M -10.4%	$482.3M +535.0%	$-110.9M

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Available Research

13F Pro tracks comprehensive data for BayFirst Financial Corp. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of BAFN

VANGUARD CAPITAL MANAGEMENT LLC
$754.0K150,806 sh
FIRST MANHATTAN CO. LLC.
$664.6K132,926 sh
BANC FUNDS CO LLC
$458.4K91,679 sh
BlackRock, Inc.
$264.1K52,828 sh
GEODE CAPITAL MANAGEMENT, LLC
$193.9K38,775 sh
STIFEL FINANCIAL CORP
$183.4K36,673 sh
Modern Wealth Management, LLC
$138.3K27,661 sh
VANGUARD FIDUCIARY TRUST CO
$111.1K22,215 sh
LPL Financial LLC
$96.6K19,321 sh
RENAISSANCE TECHNOLOGIES LLC
$78.0K15,600 sh

Fund	Value	Shares
VANGUARD CAPITAL MANAGEMENT LLC	$754.0K	150,806
FIRST MANHATTAN CO. LLC.	$664.6K	132,926
BANC FUNDS CO LLC	$458.4K	91,679
BlackRock, Inc.	$264.1K	52,828
GEODE CAPITAL MANAGEMENT, LLC	$193.9K	38,775
STIFEL FINANCIAL CORP	$183.4K	36,673
Modern Wealth Management, LLC	$138.3K	27,661
VANGUARD FIDUCIARY TRUST CO	$111.1K	22,215
LPL Financial LLC	$96.6K	19,321
RENAISSANCE TECHNOLOGIES LLC	$78.0K	15,600

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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. BAFN is classified as a small company.

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.