BayFirst Financial Corp. (BAFN) vs ECB Bancorp, Inc. (ECBK)
BayFirst Financial Corp. and ECB Bancorp, Inc. are both Banks Regional companies. BayFirst Financial Corp. and ECB Bancorp, Inc. are of similar size ($192.0M and $180.9M). BayFirst Financial Corp. has negative trailing earnings, so its P/E is not meaningful; ECB Bancorp, Inc. trades at 14.6×. ECB Bancorp, Inc. grew revenue faster over the last twelve months: 18.6% against −50.1%. ECB Bancorp, Inc. has the higher net margin (13.2% vs −86.9%) and the higher return on invested capital (2.96% vs 0.00%). Across the 18 metrics below, ECB Bancorp, Inc. leads on 11 and BayFirst Financial Corp. on 7.
Valuation
Profitability
| Metric | BAFN | ECBK | Banks Regional median |
|---|---|---|---|
| Gross margin | 49.73% | 44.84% | 69.57% |
| Operating margin | 0.00% | 0.00% | 0.00% |
| Net margin | (86.85%) | 13.19% | 18.66% |
| Free cash flow margin | 205.06% | 25.88% | 21.18% |
| Return on equity | (102.63%) | 6.56% | 10.64% |
| Return on assets | (4.89%) | 0.72% | 1.13% |
| Return on invested capital | 0.00% | 2.96% | 8.33% |
Growth
Health
Dividend
Size
Any metric, up to five companies and an Excel export Powerpack