BayFirst Financial Corp. (BAFN) vs SB Financial Group, Inc. (SBFG)
BayFirst Financial Corp. and SB Financial Group, Inc. are both Banks Regional companies. BayFirst Financial Corp. and SB Financial Group, Inc. are of similar size ($192.2M and $192.0M). BayFirst Financial Corp. has negative trailing earnings, so its P/E is not meaningful; SB Financial Group, Inc. trades at 11.1×. SB Financial Group, Inc. grew revenue faster over the last twelve months: 8.95% against −50.1%. SB Financial Group, Inc. has the higher net margin (17.7% vs −86.9%) and the higher return on invested capital (26.8% vs 0.00%). Both pay a dividend; SB Financial Group, Inc. yields more (3.25% vs 2.52%). Across the 19 metrics below, SB Financial Group, Inc. leads on 10 and BayFirst Financial Corp. on 9.
Valuation
Profitability
| Metric | BAFN | SBFG | Banks Regional median |
|---|---|---|---|
| Gross margin | 49.73% | 72.07% | 69.57% |
| Operating margin | 0.00% | 0.00% | 0.00% |
| Net margin | (86.85%) | 17.67% | 18.66% |
| Free cash flow margin | 205.06% | 24.35% | 21.18% |
| Return on equity | (102.63%) | 11.95% | 10.64% |
| Return on assets | (4.89%) | 1.08% | 1.13% |
| Return on invested capital | 0.00% | 26.76% | 8.33% |
Growth
Health
Dividend
Size
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