COMP <GO>
BAFN vs FINW // OPERATING MARGIN
BayFirst Financial Corp. (NASDAQ) VS. FinWise Bancorp (NASDAQ) • 15-METRIC TALLY: BAFN 2
— FINW 3
■ METRIC PARITY
LAST: $5.88 (+1.38%) • MKT CAP: $182.7M
operating-margins
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LAST: $13.25 (+0.46%) • MKT CAP: $183.9M
operating-margins
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (BAFN VS. FINW)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | BAFN | FINW | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | -30.10% | 8.30% | -38.40 | FINW | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | — | -15.48% | — | TIE | /fcf-yield <GO> |
| Operating Margin ACTIVE | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.40% | 0.00% | +0.40 | BAFN | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 3/9 | 2/9 | +1.00 | BAFN | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 42.1 | 73.0 | -30.90 | FINW | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | — | 10.7x | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $182.7M | $183.9M | -$1.3M | FINW | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | BAFN REV | FINW REV | BAFN GROSS % | FINW GROSS % | BAFN FCF | FINW FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $543.6M | $410.4M | — | — | $288.5M | -$28.6M |
| FY 2024 | $538.8M | $313.3M | — | — | $391.7M | -$16.1M |
| FY 2023 | $1.73B | $78.6M | — | — | $454.8M | $12.3M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
BAFN // BETA —
FINW // BETA —