BayFirst Financial Corp. cash flow to debt ratio of 1.37K% indicates that the company generates enough cash to cover a substantial portion of its debt. This level indicates very strong financial health.

BayFirst Financial Corp.'s free cash flow has decreased 26.71% from $388.84M last year to $285.00M, signaling decreasing performance

BayFirst Financial Corp.'s debt to equity ratio is 0.25, which means that the company's assets are healthy financed, signaling financial stability.

BayFirst Financial Corp.'s debt has increased relative to shareholder equity from 0.20 last year to 0.25 today, signaling weakened financials

BayFirst Financial Corp. has a net cash position, so leverage is healthy.

BayFirst Financial Corp. earns at least as much interest as it pays. Interest obligations are fully covered.

BayFirst Financial Corp.'s profit margin has decreased (425.43%) in the last year from 10.06% to -32.75%, signaling decreasing performance

BayFirst Financial Corp.'s short-term liabilities of $1.19B exceed its short-term assets of $215.40M, signaling financial risk

BayFirst Financial Corp.'s return on assets of 0.00% is lower than the 5.00% threshold, indicating inefficient asset utilization

BayFirst Financial Corp.'s return on equity of -30.79%, is lower than 15.00%, indicating bad performance

BayFirst Financial Corp.'s operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

BayFirst Financial Corp. had positive net income in 3 out of 5 years, indicating stable and consistent earnings

BayFirst Financial Corp. has positive free cash flow, indicating the company generates cash after capital expenditures

BayFirst Financial Corp. has a free cash flow yield of 1.10K%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

BayFirst Financial Corp.'s yearly earnings has decreased 282.00% since last year from $12.60M to $-22.94M, signaling decreasing performance

BayFirst Financial Corp.'s yearly revenue has decreased 15.95% since last year from $125.24M to $105.27M, signaling decreasing performance

ROIC -2.42% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

BayFirst Financial Corp.'s 3-year revenue CAGR of 16.20% is positive, indicating growing revenue over the past 3 years

BayFirst Financial Corp. had revenue growth in 3 out of 5 years, indicating consistent revenue performance

BayFirst Financial Corp. had positive ROE in 3 out of 5 years, indicating consistent and reliable returns on equity

BayFirst Financial Corp. has insufficient data to evaluate this check.

BayFirst Financial Corp. has negative trailing-twelve-month earnings; this ratio is not meaningful and the check fails

BayFirst Financial Corp. is overvalued relative to its fair value price of 0.00 based on EBITDA multiple model

BayFirst Financial Corp. has negative or missing EBITDA, making EV/EBITDA ratio unreliable

BayFirst Financial Corp. has insufficient data to evaluate this check.

BayFirst Financial Corp. has negative trailing-twelve-month earnings; this ratio is not meaningful and the check fails

BayFirst Financial Corp. has a price-to-book ratio of 0.32x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

BayFirst Financial Corp. has a price-to-sales ratio of 0.30x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue