Bayfirst Financial vs SR Bancorp
Bayfirst Financial is the larger business, with $63.1m of revenue in fiscal 2025 against $33.4m for SR Bancorp (1.9 times as much). SR Bancorp grew faster (0.4% against -34.3%). SR Bancorp kept more of each dollar of sales as profit: a net margin of 10.0% against -39.0%.
| Latest fiscal year | Bayfirst FinancialBAFN, 2025 | SR BancorpSRBK, 2026 |
|---|---|---|
| Revenue | $63.1m | $33.4m |
| Revenue growth | -34.3% | 0.4% |
| Net income | −$24.6m | $3.4m |
| Operating margin | — | — |
| Net margin | -39.0% | 10.0% |
| Return on equity | -26.1% | 1.8% |
| Free cash flow | $289m | $9.9m |
| Cash | $207m | $71.5m |
| Total debt | $0 | $65.0m |
| Debt to equity | — | — |
| Dividend per share | $0.16 | $0.21 |
| Dividend yield | 0.0% | 1.1% |
| Share buybacks | $335,000 | $16.0m |
| Employees | 145 | 115 |
| Market value | $24.1m | $150m |
| Price vs our value range | — | — |
| Moat score | — | — |
| Insider trades, 12 months | 0 buys, 0 sales | 17 buys, 0 sales |