BayFirst Financial (NASDAQ:BAFN) versus CB Financial Services (NASDAQ:CBFV) Financial Contrast

CB Financial Services (NASDAQ:CBFV) and BayFirst Financial (NASDAQ:BAFN) are both small-cap finance companies, but which is the better business? We will contrast the two businesses based on the strength of their dividends, risk, earnings, institutional ownership, analyst recommendations, valuation and profitability.

Earnings & Valuation

This table compares CB Financial Services and BayFirst Financial”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
CB Financial Services	$80.52 million	2.35	$4.90 million	$1.35	27.57
BayFirst Financial	$104.19 million	2.29	-$22.94 million	($14.88)	-0.59

CB Financial Services has higher earnings, but lower revenue than BayFirst Financial. BayFirst Financial is trading at a lower price-to-earnings ratio than CB Financial Services, indicating that it is currently the more affordable of the two stocks.

Risk and Volatility

CB Financial Services has a beta of 0.28, suggesting that its share price is 72% less volatile than the S&P 500. Comparatively, BayFirst Financial has a beta of 0.53, suggesting that its share price is 47% less volatile than the S&P 500.

Analyst Ratings

This is a breakdown of current ratings and price targets for CB Financial Services and BayFirst Financial, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
CB Financial Services	0	2	2	0	2.50
BayFirst Financial	1	0	0	0	1.00

CB Financial Services presently has a consensus target price of $42.50, indicating a potential upside of 14.19%. Given CB Financial Services’ stronger consensus rating and higher probable upside, research analysts plainly believe CB Financial Services is more favorable than BayFirst Financial.

Profitability

This table compares CB Financial Services and BayFirst Financial’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
CB Financial Services	8.52%	10.08%	1.00%
BayFirst Financial	-80.74%	-101.15%	-4.83%

Institutional & Insider Ownership

33.1% of CB Financial Services shares are held by institutional investors. Comparatively, 16.9% of BayFirst Financial shares are held by institutional investors. 10.2% of CB Financial Services shares are held by company insiders. Comparatively, 56.6% of BayFirst Financial shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Summary

CB Financial Services beats BayFirst Financial on 11 of the 14 factors compared between the two stocks.

About CB Financial Services

CB Financial Services, Inc. operates as the bank holding company for Community Bank that provides various banking products and services for individuals and businesses in southwestern Pennsylvania, West Virginia, and Ohio. The company's primary deposit products include demand deposits, NOW accounts, money market accounts, and savings accounts, as well as time deposit products. Its loan products comprise residential real estate loans, such as one- to four-family mortgage loans, home equity installment loans, and home equity lines of credit; commercial real estate loans that are secured primarily by improved properties, such as retail facilities, office buildings, and other non-residential buildings; construction loans to individuals to finance the construction of residential dwellings, as well as for the construction of commercial properties, including hotels, apartment buildings, housing developments, and owner-occupied properties used for businesses; commercial and industrial loans, and lines of credit; consumer loans consisting of indirect auto loans, secured and unsecured loans, and lines of credit; and other loans. In addition, the company conducts insurance agency activities by offering property and casualty, commercial liability, surety, and other insurance products. The company was founded in 1901 and is headquartered in Carmichaels, Pennsylvania.

About BayFirst Financial

BayFirst Financial Corp. operates as the bank holding company for BayFirst National Bank that provides community banking services for businesses and individuals. The company offers checking, savings, NOW, and money market deposit accounts, as well as certificates of deposit and individual retirement account; and safety deposit boxes. It also provides commercial real estate mortgages; construction and development, working capital, and business loans; auto, boat, and recreational vehicle loans; and residential mortgages, personal lines of credit, and home equity lines of credit. In addition, the company offers mobile and online banking, treasury management, wire transfers, cash management, merchant processing, remote deposit capture, night depositor, online bill payment, courier, retail investment, ACH originations, and other services. It operates full-service banking centers in St. Petersburg, Seminole, Pinellas Park, Clearwater, Sarasota, Tampa, Belleair Bluffs, and Bradenton, Florida. The company was formerly known as First Home Bancorp, Inc. and changed its name to BayFirst Financial Corp. in May 2021. BayFirst Financial Corp. was founded in 1999 and is headquartered in St. Petersburg, Florida.