BAFN — Stock Film
STOCK FILMSCENE 1/11BAFN · $7.03
Stock Expert AI presents
BAFN
BayFirst Financial Corp
~4 min film100% real numbers0 jargon
WHAT DOES THIS COMPANY DO?
BayFirst Financial Corp. A quick introduction.

On the stock market since 2021, it operates in the world of money and finance. It has 305 employees. Now — the numbers.

on the stock market since 2021
305 employees
$20.8M market value
Revenue last year:
$0
The loss that same year:
$0
For every $1 it earns, the company spends $1.2.

The company is still in the product-building phase: its spending runs above its sales. That only changes once the product starts selling at scale.

THE SALES TREND
Sales are growing overall, with a pause along the way.

Average growth of 13% a year over the last 4 years. Red columns mark years that ended in a loss.

$63.3M
2021
$66.4M
2022
$110.8M
2023
$125.2M
2024
$104.2M
2025
In the vault right now:
$0
DEBT: $20.8M
At this pace, that money lasts about 9 years.

Before the clock runs out, either sales must climb sharply or new money must come in. For now, time is on the company’s side.

What executives did with their own stock over the last 12 months:
11 buy23 sell

Executive selling isn’t always bad news; people sell for personal reasons too. Still, the thin buying side is worth noting.

INSIDE THE REPORT CARD

We compared this company with its own sector across five subjects.

A score of 50 means class average.

BUSINESS QUALITY
6
very weak

Clearly below the class average.

FINANCIAL STRENGTH
19
very weak

For a bank, strength is measured by capital buffers and reserves — not cash minus debt.

VALUATION
69
strong

Clearly above the class average — a step short of the very top.

GROWTH
2
very weak

Clearly below the class average.

PRICE MOMENTUM
69
strong

Clearly above the class average — a step short of the very top.

WORTH WATCHING

Growth: Sales growth trails the sector average.

Business Quality: Profit power and business quality trail similar companies in the sector.

THE FIVE-YEAR JOURNEY
A long and steep decline.

An investor who bought at the very peak is down 78% today. The business is the same; what changed most is the price — and the expectations — the market pins on it.

1
THE BRIGHT SIDE · 1/2
The product is selling

Sales run at $104.2M a year. A small number, but proof the product has real buyers.

2
THE BRIGHT SIDE · 2/2
Pays a steady dividend

It pays out $0.24 per share each year — regular cash for whoever holds the stock.

1
THE RISKS · 1/3
Running at a loss

A loss of $22.9M against $104.2M in annual sales. And on top of that, sales fell from the year before.

2
THE RISKS · 2/3
Growth trails the sector

The growth engine is running at low revs right now. Report-card grade: 2/100.

3
THE RISKS · 3/3
The business trails its class

Measured against its sector, the quality of the business sits below the class average. Report-card grade: 6/100.

FINALE · THE GRADE
F
0 / 100 · MoonshotScore

On our five-subject report card, BAFN sits behind the class. A low grade doesn’t mean “doomed” — it means “big claim, small proof.”

The takeaway: BAFN is a high-risk stock — not yet profitable, and its future rides on its product catching on.

The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.

What would you like to do next?
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This was a film — not investment advice.
Data: FMP & company filings
Aug 21, 2026 · stockexpertai.com · Stock Film