Bayfirst Financial's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of Bayfirst Financial (BAFN) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: Bayfirst Financial vs Its Competitors
- Scale: Bayfirst Financial ranks #196 of 218 companies by market capitalization in the Regional Banks industry, holding 0.0% of industry market cap.
- Peer differentiation: Revenue per employee of $-0.07M compares with $0.00M for the peer group (-16.8x).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
API endpoints for this dataset
Bayfirst Financial's Competitor Quality Breadth
Group definitions: see Methodology: Performance Group Definitions.
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| Bayfirst Financial Corp | - | No | No | Yes |
| Competitors combined (3) | ||||
| Similar-Size Competitors (7) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
BAFN Stock Performance relative to its Competitors
BAFN Stock Performance relative to Similar-Size Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Financial Institutions Inc | 282.9% | Outperformed |
| 2 | Power Reit | 282.9% | Outperformed |
| 3 | Bank Bradesco | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Bayfirst Financial's best-performing competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
Publicly Traded Peers of Bayfirst Financial Corp
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
 Bayfirst Financial Corp |
24.65 | -10.74 |
 Bank Bradesco |
13,931.91 | 118.96 |
 Financial Institutions Inc |
802.03 | 243.46 |
 Power Reit |
2.52 | 2.79 |
| SUBTOTAL | 14,761.10 | 354.47 |
Sources: see Methodology: Peer & Competitor Identification, Sourcing.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on Bayfirst Financial Corp versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
Bayfirst Financial's Competitors Named by the Company
Competitive relationships identified from Bayfirst Financial reports and corroborating sources, each with a basis and confidence.| Competitor | Basis | Confidence |
|---|---|---|
| Financial Institutions Inc | Company report | 85% |
| Bank Bradesco | Company report | 85% |
| Power Reit | Company report | 85% |
| Uscb Financial Holdings Inc | Company report | 85% |
| First Busey Corporation | Company report | 85% |
| Flagstar Bank National Association | Company report | 85% |
| Renasant Corp | Company report | 85% |
| United Bancorporation Of Alabama Inc | Company report | 85% |
| Ameris Bancorp | Company report | 85% |
| Fcb Financial Holdings, Inc. | Company report | 85% |
| Ofg Bancorp | Company report | 85% |
| Southstate Bank Corp | Company report | 85% |
| Capital City Bank Group Inc | Company report | 85% |
| Home Bancshares Inc | Company report | 85% |
| Seacoast Banking Corporation Of Florida | Company report | 85% |
| United Community Banks Inc | Company report | 85% |
| C1 Financial, Inc. | Company report | 85% |
| Fifth Third Bancorp | Company report | 85% |
| Prime Meridian Holding Co | Company report | 85% |
| Southern States Bancshares Inc | Company report | 85% |
| First Bancorp | Company report | 85% |
| Hancock Whitney Corporation | Company report | 85% |
| Servisfirst Bancshares Inc | Company report | 85% |
Company report basis, confidence, active dates and source counts for Bayfirst Financial's named competitors require a Commercial License.
Methodology: see Methodology: Peer & Competitor Identification, Sourcing.
Bayfirst Financial's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| Bayfirst Financial Corp | 25 | -74,090 | -411,793 |
| Bank Bradesco | 13,932 | 1,449 | 52,215 |
| Financial Institutions Inc | 802 | 385,837 | 130,945 |
| Power Reit | 3 | 1,394,696 | -780,303 |
| PEERS TOTAL | 14,736 | 4,415 | 52,795 |
Bayfirst Financial's Position in Industry Market Structure
Market-capitalization share and concentration across all 198 companies in Bayfirst Financial's industry classification, broader than the peer set above. Market cap in millions of $.Bayfirst Financial ranks #196 of 198 companies by market capitalization in its industry, holding 0.00 % of total industry market cap. The industry's Herfindahl-Hirschman Index (HHI) is 519, indicating a unconcentrated market structure (see Methodology: Market Structure & Concentration).
| Rank | Company | Market Cap | Industry Share |
|---|---|---|---|
| 1 | Bank Of Nova Scotia | 115,555 | 14.99 % |
| 2 | Deutsche Bank Aktiengesellschaft | 73,389 | 9.52 % |
| 3 | Fifth Third Bancorp | 49,792 | 6.46 % |
| 4 | State Street Corp | 48,028 | 6.23 % |
| 5 | Ita Unibanco Holding S a | 1,234 | 5.2% |
| 6 | Northern Trust Corporation | 1,234 | 5.2% |
| 7 | M and t Bank Corporation | 1,234 | 5.2% |
| 8 | Citizens Financial Group Inc | 1,234 | 5.2% |
| 9 | First Citizens Bancshares Inc | 1,234 | 5.2% |
| 10 | East West Bancorp inc | 1,234 | 5.2% |
| 196 | Bayfirst Financial Corp | 25 | 0.00 % |
Market cap and industry share for the rest of Bayfirst Financial's industry peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation) across CSIMarket's industry classification, market capitalization as of 2026-11-09.
Bayfirst Financial's Same-Size Peers & Stock Performance
Peers chosen by closeness in market-cap rank within the same industry classification (not the named-competitor list above). Trailing 12-month total return, 3-month price momentum, beta and Sharpe ratio vs the broad U.S. market.| Rank | Company | Market Cap | TTM Return |
|---|---|---|---|
| 191 | Farmers And Merchants Bancshares Inc | 60 | 11.31 % |
| 192 | Citizens Holding Company | 56 | 48.14 % |
| 193 | Texas Community Bancshares inc | 47 | - |
| 194 | Quaint Oak Bancorp Inc | 1,234 | 12.3% |
| 195 | Marathon Bancorp inc | 1,234 | 12.3% |
| 196 | Bayfirst Financial Corp | 25 | -29.57 % |
| 197 | Glen Burnie Bancorp | 1,234 | 12.3% |
| 198 | Ewsb Bancorp inc | 1,234 | 12.3% |
Market cap, return, momentum, beta and Sharpe ratio for the rest of Bayfirst Financial's same-size peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation); returns and risk metrics as of 2026-11-09. Beta and Sharpe ratio are versus the broad U.S. equity market, not this industry.
Bayfirst Financial's Valuation vs Competitive Position
Valuation multiples vs the Regional Banks industry average (2 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns. See the full Regional Banks industry valuation benchmarks.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | - | - | - |
| EV / EBITDA | - | - | - |
| P/B | 0.3x | - | - |
| Return on Equity | -66.89 % | industry aggregate | -77.77 % |
| Return on Invested Capital | - | 4.16 % (avg) | - |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
Bayfirst Financial's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in company reports.| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue Growth | - | - | 21.67 % | 10.60 % | -52.73 % |
| Operating Margin | - | - | - | - | - |
| Return on Invested Capital | - | - | 0.67 % | 1.28 % | -12.88 % |
| P/E | - | - | 9.1x | 6.3x | - |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
Bayfirst Financial's BCG Growth-Share Matrix
See Methodology: BCG Growth-Share Matrix for how relative share and growth are calculated and thresholded.
Bayfirst Financial falls in the Question Mark quadrant: relative market share of 0.00x vs its largest competitor, in an industry growing revenue 11.8% (median, trailing 12 months).
Source: CSIMarket API (market-cap share and industry revenue growth). The 10% growth and 1.0x share lines are standard textbook thresholds, not derived from this industry's own distribution.
Bayfirst Financial's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Competitive Rivalry | High | Industry HHI of 519 (see Industry Market Structure & Concentration above) |
| Barriers to Entry | Lower than typical for the industry | Capital intensity (capex / revenue) of -1.31 % vs industry average 1.38 % (see Profitability & Cost Structure above) |
Note: see Methodology: Porter's Five Forces. Supplier power and buyer power are covered on Bayfirst Financial's dedicated Suppliers and Customers pages, not here.
Bayfirst Financial's Industry Attractiveness & Competitive Strength
See Methodology: GE/McKinsey Matrix for how the two axes are built.
Bayfirst Financial falls in the Medium attractiveness / Low strength cell: Harvest.
Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.
Bayfirst Financial's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
No rule matched.
Weaknesses
- Return on equity 77.8 points below the industry aggregate.
- Underperforming the U.S.A. 500 over the trailing 12 months.
- Low relative market share vs the industry leader (0.00x).
- Piotroski F-Score of 2 or below, the standard financial-distress signal.
Opportunities
- Industry revenue growing at a healthy 11.8% median pace.
- A meaningful share of competitors (33.30 %) show financial-distress signals, a possible opening to gain share.
Threats
No rule matched.
Methodology: see Methodology: SWOT Analysis.
Bayfirst Financial's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| Bayfirst Financial Corp | 0.03 | 0.68 | 0.07 |
| Bank Bradesco | 90.31 | 6.18 | - |
| Financial Institutions Inc | 0.01 | 1.33 | 0.37 |
| Power Reit | 1.98 | 1.98 | 3.96 |
Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
Bayfirst Financial's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| Bayfirst Financial Corp | Q2 2026 | - | - |
| Bank Bradesco | Q4 2025 | -71.8 % | +31.1 % |
| Financial Institutions Inc | Q2 2026 | +7.0 % | +20.8 % |
| Power Reit | Q2 2026 | +154.5 % | +35.7 % |
| PEERS TOTAL | -68.6 % | +30.1 % |
Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
Bayfirst Financial's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| Bayfirst Financial Corp | Q2 2026 | - | -48.2 % |
| Bank Bradesco | Q4 2025 | -9.8 % | +110.2 % |
| Financial Institutions Inc | Q2 2026 | +21.3 % | -46.9 % |
| Power Reit | Q2 2026 | - | - |
Bayfirst Financial's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| Bayfirst Financial Corp | - | - | - |
| Bank Bradesco | 1.01% | 0.97% | 13.12% |
| Financial Institutions Inc | 1.31% | 3.75% | 13.09% |
| Power Reit | - | - | - |
ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
Bayfirst Financial's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| Bayfirst Financial Corp | - | - |
| Bank Bradesco | 0.59 | 117.12 |
| Financial Institutions Inc | 9.96 | 3.29 |
| Power Reit | - | 0.90 |
| PEERS AVERAGE | 3.43 | 41.64 |
P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.