Bayfirst Financial vs Winchester Bancorp
Bayfirst Financial is the larger business, with $63.1m of revenue in fiscal 2025 against $26.3m for Winchester Bancorp (2.4 times as much). Winchester Bancorp grew faster (36.0% against -34.3%). Winchester Bancorp kept more of each dollar of sales as profit: a net margin of 16.8% against -39.0%.
| Latest fiscal year | Bayfirst FinancialBAFN, 2025 | Winchester BancorpWSBK, 2026 |
|---|---|---|
| Revenue | $63.1m | $26.3m |
| Revenue growth | -34.3% | 36.0% |
| Net income | −$24.6m | $4.4m |
| Operating margin | — | — |
| Net margin | -39.0% | 16.8% |
| Return on equity | -26.1% | 3.7% |
| Free cash flow | $289m | — |
| Cash | $207m | $60.0m |
| Total debt | $0 | $0 |
| Debt to equity | — | — |
| Dividend per share | $0.16 | — |
| Dividend yield | 0.0% | — |
| Share buybacks | $335,000 | $0 |
| Employees | 145 | — |
| Market value | $24.1m | $127m |
| Price vs our value range | — | — |
| Moat score | — | — |
| Insider trades, 12 months | 0 buys, 0 sales | 6 buys, 0 sales |