Is AVBC or BAFN more undervalued in 2026?

CirclFi compares Avidia Bancorp, Inc. (AVBC) and BayFirst Financial Corp. (BAFN) using 13 institutional-grade valuation models. AVBC has a Quality of Company score of 6.7/10 while BAFN scores 6.3/10.

Which is a better buy — AVBC or BAFN?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do AVBC and BAFN valuations compare?

AVBC at $18.68 and BAFN at $6.13 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

AVBC vs BAFN Valuation Comparison 2026 — Intrinsic Value Analysis

AVBC

Banks - Regional

Avidia Bancorp, Inc.

Quality

6.7

out of 10

Value Trap

—

Price

$18.68

Last close

Models

11/13

Active

BAFN

Banks - Regional

BayFirst Financial Corp.

Quality

6.3

out of 10

Value Trap

LOW

Price

$6.13

Last close

Models

4/13

Active

Model-by-Model Comparison

Model	Type	AVBC Fair Value	AVBC Upside	BAFN Fair Value	BAFN Upside
Bayesian DCF	Intrinsic	$4.96	-73.5%	—	—
Earnings Power Value	Intrinsic	$4.07	-78.2%	$35.39	+455.6%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$1.55	-91.7%	$1.40	-77.1%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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AVBC vs BAFN — Which Stock Is More Undervalued?

AVBC scores higher with a 6.7/10 quality rating vs BAFN's 6.3/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Avidia Bancorp, Inc. (AVBC) and BayFirst Financial Corp. (BAFN) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

AVBC currently trades at $18.68 with a QOC of 6.7/10, while BAFN trades at $6.13 with a QOC of 6.3/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).