DDM Analysis: BAFN

Valuation Snapshot

Stable Growth	$163.32 - $386.76	$362.45
Multi-Stage	$56.31 - $61.66	$58.94
Blended Fair Value	$210.69
Current Price	$10.46
Upside	1,914.29%
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	6.50%	6.50%	6.50%
Growth Rate	5.50%	6.50%	7.50%
Fair Value	$163.32	$362.45	$386.76
Upside / Downside	1,461.40%	3,365.12%	3,597.52%

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	6.50%	6.50%	6.50%
Growth Rate	5.50%	6.50%	7.50%
Year 1 PV (M)	2.86	2.89	2.91
Year 2 PV (M)	3.94	4.01	4.09
Year 3 PV (M)	4.99	5.14	5.28
Year 4 PV (M)	6.03	6.26	6.50
Year 5 PV (M)	7.04	7.38	7.74
PV of Terminal Value (M)	212.68	222.96	233.62
Equity Value (M)	237.54	248.63	260.14
Shares Outstanding (M)	4.22	4.22	4.22
Fair Value	$56.31	$58.94	$61.66
Upside / Downside	438.32%	463.45%	489.53%

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BayFirst Financial Corp. (BAFN)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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