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BayFirst Financial Corp. (BAFN) vs Hoyne Bancorp, Inc. (HYNE)

BayFirst Financial Corp. and Hoyne Bancorp, Inc. are both Banks Regional companies. BayFirst Financial Corp. is the larger, with a market value of $179.3M against $151.2M — 1.2× the size. Hoyne Bancorp, Inc. has the higher net margin (1.14% vs −86.9%) and the higher return on invested capital (0.02% vs 0.00%). Across the 11 metrics below, Hoyne Bancorp, Inc. leads on 7 and BayFirst Financial Corp. on 4.

Valuation

Metric BAFN HYNE Banks Regional median
P/E n/m — 12.02
P/S 0.34 6.15 2.36
P/B 0.93 0.87 1.23
Price to free cash flow 0.16 n/m 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield (255.67%) — 8.21%
Free cash flow yield 610.28% (3.07%) 9.23%

Profitability

Metric BAFN HYNE Banks Regional median
Gross margin 49.73% 77.92% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin (86.85%) 1.14% 18.82%
Free cash flow margin 208.96% (18.89%) 17.97%
Return on equity (102.63%) 0.21% 10.28%
Return on assets (4.89%) 0.11% 1.13%
Return on invested capital 0.00% 0.02% 8.45%

Growth

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

Health

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

Dividend

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

Size

Metric BAFN HYNE Banks Regional median
Market cap 179.28m 151.16m 934.85m

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