What Is BayFirst Financial Corp. (BAFN) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, our multi-model framework produces a cautiously optimistic read on BayFirst Financial Corp. at $5.40. With an estimated intrinsic value of $14.25 and 3 of 5 models pointing higher, the average implied return is +163.9%. The most optimistic model, EROIC, places fair value at $25.32 (+368.9%), while Markov DDM — the most conservative — estimates $4.21 (-22.0%). This +390.9% gap reflects genuine analytical uncertainty about BayFirst Financial Corp.'s intrinsic worth.
What Do the Models Say About BAFN?
5 of 13 models are currently active for BAFN. Of these, 4 models suggest upside while 1 model suggests overvaluation. See which stocks rank higher →
How Does BAFN Rank in State Commercial Banks?
Among 170 State Commercial Banks stocks, BAFN ranks #155 by Quality of Company score. CirclFi's QOC score of 6.4/10 evaluates 32 fundamental signals. A score of 6.4 indicates above-average quality.
See all Most Undervalued State Commercial Banks Stocks →
As a banking sector, BayFirst Financial Corp. operates in a sector where net interest margin (NIM) is a critical driver of valuation. Investors evaluating BAFN should weigh these sector-specific dynamics alongside our model-derived fair values.
Is BAFN a Value Trap?
CirclFi's Value Trap algorithm assigns BAFN a score of 12/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
5 of 13 models are active for BayFirst Financial Corp.. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →
According to the CirclFi 32-factor quality framework, BayFirst Financial Corp.'s fundamental quality profile registers 6.4/10. This respectable score captures the company's profitability depth, growth consistency, balance sheet resilience, and shareholder return track record.
The gap between the most bullish and bearish model spans +390.9% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →
Data Sources & Confidence
Every BAFN valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →
Across BAFN's 5 active models, average confidence is 40%. Lower confidence may reflect limited history or high volatility.
CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →
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