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BayFirst Financial Corp. (BAFN) vs FinWise Bancorp (FINW)

BayFirst Financial Corp. and FinWise Bancorp are both Banks Regional companies. BayFirst Financial Corp. and FinWise Bancorp are of similar size ($187.9M and $179.3M). BayFirst Financial Corp. has negative trailing earnings, so its P/E is not meaningful; FinWise Bancorp trades at 13.5×. FinWise Bancorp grew revenue faster over the last twelve months: 90.2% against −50.1%. FinWise Bancorp has the higher net margin (6.53% vs −86.9%) and the higher return on invested capital (11.0% vs 0.00%). Across the 17 metrics below, FinWise Bancorp leads on 12 and BayFirst Financial Corp. on 5.

Valuation

Metric BAFN FINW Banks Regional median
P/E n/m 13.47 12.02
P/S 0.34 0.89 2.36
P/B 0.93 0.90 1.23
Price to free cash flow 0.16 34.92 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield (255.67%) 7.42% 8.21%
Free cash flow yield 610.28% 2.86% 9.23%

Profitability

Metric BAFN FINW Banks Regional median
Gross margin 49.73% 89.27% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin (86.85%) 6.53% 18.82%
Free cash flow margin 208.96% 2.55% 17.97%
Return on equity (102.63%) 6.94% 10.28%
Return on assets (4.89%) 1.50% 1.13%
Return on invested capital 0.00% 10.95% 8.45%

Growth

Metric BAFN FINW Banks Regional median
Revenue growth (TTM) (50.13%) 90.17% 6.37%
EPS growth (last fiscal year) (402.39%) 21.51% 18.85%
Revenue growth, 5-year CAGR (5.93%) 28.03% 12.65%
Net income growth, 5-year CAGR 0.00% 8.23% 9.81%

Health

Metric BAFN FINW Banks Regional median
Debt to equity 0.06 0.00 0.17
Current ratio 0.98 0.88 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BAFN FINW Banks Regional median
Dividend yield 0.00% — 2.49%
Payout ratio — — 0.29

Size

Metric BAFN FINW Banks Regional median
Market cap 179.28m 187.87m 934.85m

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