Definitive Analysis

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Definitive Analysis

Financial Statements

Company Industry Sector

Fundamentals

Margins Returns Growth Rates Metrics/Ratios

Valuations

Projections DCF DDM EPV Multiples Valuations

Miscellaneous

Indicators Charts WACC Beta Predictability

Mode

Company Industry Sector

Ticker

Industry

Sector

BayFirst Financial Corp. (BAFN)

Company Dividend Discount ModelIndustry: Banks - RegionalSector: Financial Services

Valuation Snapshot

Stable Growth	$65.29 - $376.31	$119.71
Multi-Stage	$38.47 - $42.07	$40.24
Blended Fair Value	$79.97
Current Price	$10.46
Upside	664.56%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	9.31%	2.84%	0.31	0.31	0.31	0.25	0.22	0.20	0.17	0.00	0.00	0.26
YoY Growth	-	-	0.76%	2.02%	21.88%	15.41%	7.93%	17.55%	0.00%	0.00%	-100.00%	10.00%
Dividend Yield	-	-	1.87%	2.36%	1.96%	1.09%	1.11%	3.26%	1.00%	0.00%	0.00%	1.52%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	8.20
(-) Cash Dividends Paid (M)	1.76
(=) Cash Retained (M)	6.44

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	1.64	1.03	0.62
Cash Retained (M)	6.44	6.44	6.44
(-) Cash Required (M)	-1.64	-1.03	-0.62
(=) Excess Retained (M)	4.80	5.41	5.82
(/) Shares Outstanding (M)	4.22	4.22	4.22
(=) Excess Retained per Share	1.14	1.28	1.38
LTM Dividend per Share	0.42	0.42	0.42
(+) Excess Retained per Share	1.14	1.28	1.38
(=) Adjusted Dividend	1.56	1.70	1.80
WACC / Discount Rate	8.01%	8.01%	8.01%
Growth Rate	5.50%	6.50%	7.50%
Fair Value	$65.29	$119.71	$376.31
Upside / Downside	524.20%	1,044.44%	3,497.59%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	8.20	8.74	9.31	9.91	10.55	11.24	11.58
Payout Ratio	21.50%	35.20%	48.90%	62.60%	76.30%	90.00%	92.50%
Projected Dividends (M)	1.76	3.08	4.55	6.20	8.05	10.12	10.71

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	8.01%	8.01%	8.01%
Growth Rate	5.50%	6.50%	7.50%
Year 1 PV (M)	2.82	2.85	2.87
Year 2 PV (M)	3.83	3.90	3.97
Year 3 PV (M)	4.79	4.92	5.06
Year 4 PV (M)	5.70	5.92	6.14
Year 5 PV (M)	6.56	6.88	7.21
PV of Terminal Value (M)	138.58	145.27	152.22
Equity Value (M)	162.27	169.74	177.48
Shares Outstanding (M)	4.22	4.22	4.22
Fair Value	$38.47	$40.24	$42.07
Upside / Downside	267.75%	284.67%	302.22%

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