BAFN Stock — Bayfirst Financial Corp

Bayfirst Financial Corp (BAFN)

Updated October 16, 2026.

BAFN is a Stock. Total return is -59.3% over the past 6.9 years, 230.7 points behind SPY at 171.4%.

BayFirst Financial Corp. is a bank holding company operating community banking services across Florida's west coast, offering deposit products, commercial and residential lending, and treasury management services to small and medium-sized businesses and individuals. The company distributes dividends quarterly at a current high distribution rate. It appeals to income-focused investors seeking exposure to regional banking operations.

BAFN performance versus SPY

Price and return data through 2026-10-16.

Total return is -59.3% over the past 6.9 years, 230.7 points behind SPY at 171.4%. Over the past year its total return — price change plus distributions reinvested — is -35.1%. Its deepest 1-year drawdown was 53.1%.

BAFN key facts

Asset type

Stock

Asset class

Equity

Inception date

11/20/2019

Distribution frequency

Quarterly

5-year average yield

1.95

Last close

$6.20 (as of 2026-10-16)

Market cap

$167,169,453

Average volume

102153.0

Dividend

$0.08

Ex-dividend date

05/30/2025

Payment date

06/15/2025

Beta

0.462

Payout ratio

22.4%

EPS

$-11.42

How Dividend Vision calculates yield and returns

Distribution rate (the posted rate) uses calculation basis unavailable. Issuer rates can use a different denominator and date, including ex-date NAV. Trailing-12-month yield is the sum of split-adjusted cash distributions with ex-dates in the last 12 months, divided by the published price. It lags a recent raise or cut. Total return uses split-adjusted close with distributions reinvested on the ex-dividend date (a modeling convention, not the cash-settlement date) from the first stored bar on or after inception through the latest bar, compared with the same window on the benchmark. That is the security's total return, not your personal gain/loss.

Yield and safety methodology · Distribution rate methodology · Distribution Safety Score methodology

Sources and review

Primary sources: prices and distributions from Dividend Vision, derived from vendor EOD data.

Reviewed by Bert Sweet, CEO and Co-owner of Dividend Vision. Methodology: Distribution Safety Score.

BAFN risks and drawbacks

Payments are quarterly, so cash flow is lumpy versus a monthly fund. Total return has trailed SPY over the available window. The deepest 1-year drawdown on record here is 53.1%.

Who may consider BAFN — and who may not

It is a weaker fit for investors who need monthly cash flow (BAFN pays quarterly); investors whose main goal is matching SPY total return. This is educational context, not a recommendation to buy or sell.

More on BAFN

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Tagged: Financials, Dividend.

Frequently asked questions