BayFirst Financial Corp. (BAFN) vs CB Financial Services, Inc. (CBFV)
BayFirst Financial Corp. and CB Financial Services, Inc. are both Banks Regional companies. BayFirst Financial Corp. and CB Financial Services, Inc. are of similar size ($192.0M and $188.6M). BayFirst Financial Corp. has negative trailing earnings, so its P/E is not meaningful; CB Financial Services, Inc. trades at 25.9×. CB Financial Services, Inc. grew revenue faster over the last twelve months: −9.38% against −50.1%. CB Financial Services, Inc. has the higher net margin (9.90% vs −86.9%) and the higher return on invested capital (4.10% vs 0.00%). Both pay a dividend; CB Financial Services, Inc. yields more (4.50% vs 2.52%). Across the 18 metrics below, CB Financial Services, Inc. leads on 10 and BayFirst Financial Corp. on 8.
Valuation
Profitability
| Metric | BAFN | CBFV | Banks Regional median |
|---|---|---|---|
| Gross margin | 49.73% | 66.30% | 69.57% |
| Operating margin | 0.00% | 0.00% | 0.00% |
| Net margin | (86.85%) | 9.90% | 18.66% |
| Free cash flow margin | 205.06% | 26.86% | 21.18% |
| Return on equity | (102.63%) | 4.65% | 10.64% |
| Return on assets | (4.89%) | 0.45% | 1.13% |
| Return on invested capital | 0.00% | 4.10% | 8.33% |
Growth
Health
Dividend
Size
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