BayFirst Financial (BAFN) Competitors $16.48 +0.12 (+0.70%) As of 10:07 AM Eastern This is a fair market value price provided by Polygon.io. Learn more. Add Compare Share Share Competitors Stock AnalysisChartCompetitorsDividendEarningsFinancialsHeadlinesInsider TradesOwnershipSEC FilingsShort InterestTrendsBuy This Stock BAFN vs. CZFS, SFST, PCB, OBT, COFS, ONIT, PLBC, LNKB, TSBK, and FRSTShould you be buying BayFirst Financial stock or one of its competitors? The main competitors of BayFirst Financial include Citizens Financial Services (CZFS), Southern First Bancshares (SFST), PCB Bancorp (PCB), Orange County Bancorp (OBT), ChoiceOne Financial Services (COFS), Onity Group (ONIT), Plumas Bancorp (PLBC), LINKBANCORP (LNKB), Timberland Bancorp (TSBK), and Primis Financial (FRST). These companies are all part of the "banking" industry. BayFirst Financial vs. Citizens Financial Services Southern First Bancshares PCB Bancorp Orange County Bancorp ChoiceOne Financial Services Onity Group Plumas Bancorp LINKBANCORP Timberland Bancorp Primis Financial BayFirst Financial (NASDAQ:BAFN) and Citizens Financial Services (NASDAQ:CZFS) are both small-cap finance companies, but which is the better business? We will compare the two companies based on the strength of their earnings, valuation, risk, institutional ownership, dividends, profitability, media sentiment, community ranking and analyst recommendations. Does the MarketBeat Community prefer BAFN or CZFS? Citizens Financial Services received 18 more outperform votes than BayFirst Financial when rated by MarketBeat users. CompanyUnderperformOutperformBayFirst FinancialN/AN/ACitizens Financial ServicesOutperform Votes1869.23% Underperform Votes830.77% Is BAFN or CZFS a better dividend stock? BayFirst Financial pays an annual dividend of $0.32 per share and has a dividend yield of 1.9%. Citizens Financial Services pays an annual dividend of $1.98 per share and has a dividend yield of 3.8%. BayFirst Financial pays out 12.7% of its earnings in the form of a dividend. Citizens Financial Services pays out 33.7% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Is BAFN or CZFS more profitable? Citizens Financial Services has a net margin of 16.39% compared to BayFirst Financial's net margin of 8.80%. BayFirst Financial's return on equity of 14.81% beat Citizens Financial Services' return on equity.Company Net Margins Return on Equity Return on Assets BayFirst Financial8.80% 14.81% 1.05% Citizens Financial Services 16.39%9.93%0.97% Do analysts rate BAFN or CZFS? Citizens Financial Services has a consensus target price of $53.00, indicating a potential upside of 1.11%. Given Citizens Financial Services' stronger consensus rating and higher probable upside, analysts plainly believe Citizens Financial Services is more favorable than BayFirst Financial.Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score BayFirst Financial 0 Sell rating(s) 0 Hold rating(s) 0 Buy rating(s) 0 Strong Buy rating(s) 0.00Citizens Financial Services 0 Sell rating(s) 0 Hold rating(s) 1 Buy rating(s) 0 Strong Buy rating(s) 3.00 Does the media favor BAFN or CZFS? In the previous week, BayFirst Financial had 1 more articles in the media than Citizens Financial Services. MarketBeat recorded 1 mentions for BayFirst Financial and 0 mentions for Citizens Financial Services. Citizens Financial Services' average media sentiment score of 1.00 beat BayFirst Financial's score of 0.00 indicating that Citizens Financial Services is being referred to more favorably in the news media. Company Overall Sentiment BayFirst Financial Neutral Citizens Financial Services Positive Do institutionals and insiders believe in BAFN or CZFS? 16.9% of BayFirst Financial shares are held by institutional investors. Comparatively, 22.5% of Citizens Financial Services shares are held by institutional investors. 19.2% of BayFirst Financial shares are held by company insiders. Comparatively, 6.1% of Citizens Financial Services shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth. Which has more volatility & risk, BAFN or CZFS? BayFirst Financial has a beta of 0.38, suggesting that its stock price is 62% less volatile than the S&P 500. Comparatively, Citizens Financial Services has a beta of 0.43, suggesting that its stock price is 57% less volatile than the S&P 500. Which has better valuation & earnings, BAFN or CZFS? Citizens Financial Services has higher revenue and earnings than BayFirst Financial. BayFirst Financial is trading at a lower price-to-earnings ratio than Citizens Financial Services, indicating that it is currently the more affordable of the two stocks. CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings RatioBayFirst Financial$80.46M0.85$12.60M$2.526.54Citizens Financial Services$100.75M2.48$27.82M$5.878.93 SummaryCitizens Financial Services beats BayFirst Financial on 14 of the 19 factors compared between the two stocks. Remove Ads Get BayFirst Financial News Delivered to You Automatically Sign up to receive the latest news and ratings for BAFN and its competitors with MarketBeat's FREE daily newsletter. Email Address Media Sentiment Over TimeWhat is Media Sentiment?This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.Skip Chart BAFN vs. The Competition Export to ExcelMetricBayFirst FinancialState commercial banks IndustryFinance SectorNASDAQ ExchangeMarket Cap$68.30M$2.75B$10.65B$7.28BDividend Yield1.70%3.78%5.42%4.05%P/E Ratio6.5421.0021.4917.61Price / Sales0.852.8025.0286.64Price / Cash5.6410.6317.6234.64Price / Book0.801.072.623.86Net Income$12.60M$372.21M$1.03B$247.18M7 Day Performance-9.23%-7.72%-4.32%-6.27%1 Month Performance-11.14%-10.11%495.17%-8.87%1 Year Performance29.01%8.44%531.65%-6.18% BayFirst Financial Competitors List Export to ExcelCompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)BAFNBayFirst Financial2.1727 of 5 stars$16.48+0.7%N/A+25.9%$68.30M$80.46M6.54640News CoverageGap UpCZFSCitizens Financial Services2.0598 of 5 stars$58.05+1.1%$53.00-8.7%+17.6%$276.32M$100.75M9.89310Positive NewsSFSTSouthern First Bancshares3.2134 of 5 stars$32.92-1.2%N/A+6.8%$269.19M$93.34M17.15290Gap DownHigh Trading VolumePCBPCB Bancorp4.8835 of 5 stars$18.71-0.4%$22.00+17.6%+12.0%$269.07M$99.71M10.75250Short Interest ↑News CoveragePositive NewsGap DownOBTOrange County Bancorp3.9432 of 5 stars$23.39-0.8%$35.50+51.8%-2.0%$265.69M$107.63M9.47210Short Interest ↑News CoverageGap DownCOFSChoiceOne Financial Services4.616 of 5 stars$28.77+0.0%$37.00+28.6%-0.8%$258.04M$92.44M8.83380Positive NewsGap DownHigh Trading VolumeONITOnity Group4.4672 of 5 stars$32.62+3.7%$42.50+30.3%N/A$256.81M$1.07B7.984,400Positive NewsGap DownPLBCPlumas Bancorp4.6753 of 5 stars$43.27+1.1%$58.00+34.0%+16.7%$256.16M$62.23M9.03190Gap DownLNKBLINKBANCORP3.7834 of 5 stars$6.78-1.7%$8.25+21.7%+1.8%$253.37M$108.76M9.69110Analyst ForecastTSBKTimberland Bancorp2.1139 of 5 stars$30.15-1.8%N/A+12.7%$244.15M$71.81M9.76300Positive NewsFRSTPrimis Financial4.8523 of 5 stars$9.77-0.2%$14.00+43.3%-23.1%$241.54M$147.43M-32.57420Positive NewsGap Down Remove Ads Related Companies and Tools Related Companies Citizens Financial Services Competitors Southern First Bancshares Competitors PCB Bancorp Competitors Orange County Bancorp Competitors ChoiceOne Financial Services Competitors Onity Group Competitors Plumas Bancorp Competitors LINKBANCORP Competitors Timberland Bancorp Competitors Primis Financial Competitors Top 10 Stock Comparisons Semiconductor Stocks Artificial Intelligence Stocks Growth Stocks Magnificent Seven Stocks Pharmaceutical Stocks Ecommerce Stocks Bitcoin Stocks Meme Stocks Cryptocurrency Stocks Cybersecurity Stocks This page (NASDAQ:BAFN) was last updated on 4/4/2025 by MarketBeat.com Staff From Our PartnersTrump Allies Confirm Exec Order 14024 Triggers Dollar CollapseExecutive Order 14024 is paving the way for irreversible damage to the dollar's value—threatening your wealth,...Priority Gold | SponsoredTrump Orders 'National Digital Asset Stockpile'‘Digital Asset Reserve’ for THIS Coin??? 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