BAFN
BayFirst Financial Corp.
There isn't enough reported data to score BAFN yet.
GS
The Goldman Sachs Group, Inc.
GS's fundamentals are strong: revenue grew 19% and its operating margin rose 4 points to 40%. Its PE isn't a useful guide right now because of how its recent earnings were reported.
BAFN Fundamentals
| Metric | Status |
|---|---|
| Under pressure | |
| Weak | |
| N/A | |
| N/A |
BAFN's revenue and profitability are currently under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like BAFN.
GS Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
GS's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like GS.
BAFN PE Valuation
BAFN has no meaningful PE right now: it lost money over the past year.
GS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.6x | $528 | -42% |
| Current | 13x | $914 | — |
| Forward | 13x | $914 | — |
| Fair | 14x | $940 | +2.9% |
| Expensive | 17x | $1,214 | +33% |
Historical ranges are pointers, not guarantees.
GS's PE is 13x, but its earnings don't support one, so it isn't a reliable read right now.
BAFN Forward outlook
There aren't enough analyst estimates for BAFN to show an outlook.
GS Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Low |
Analysts expect earnings and revenue growth for GS, with profitability improving. However, they disagree widely on these estimates.
BAFN Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | -$10.38 | -$7.37 |
| Q2 2026 | -$15.00 | -920% |
| Q1 2026 | -$7.34 | -414% |
| Q4 2025 | -$5.97 | -328% |
| Q3 2025 | -$3.01 | -530% |
| Q2 2025 | $1.83 | +97% |
| Q1 2025 | $2.34 | +113% |
| Q4 2024 | $2.62 | +134% |
BAFN lost $10.38 per share over the past year, a bigger loss than the year before.
GS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $72.35 | +4% |
| Q3 2026 | $69.58 | +41% |
| Q2 2026 | $64.82 | +43% |
| Q1 2026 | $54.75 | +27% |
| Q4 2025 | $51.32 | +27% |
| Q3 2025 | $49.22 | +44% |
| Q2 2025 | $45.37 | +45% |
| Q1 2025 | $43.08 | +68% |
| Q4 2024 | $40.54 | +77% |
GS has the edge over BAFN on earnings quality, reporting a profit while its opponent remains loss making.
BAFN Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $10.6M | +3.8% |
| Q2 2026 | $2.6M | -89% |
| Q1 2026 | $10.3M | -48% |
| Q4 2025 | $9.9M | -70% |
| Q3 2025 | $10.2M | -53% |
| Q2 2025 | $23.1M | +11% |
| Q1 2025 | $19.8M | -14% |
| Q4 2024 | $32.9M | +40% |
BAFN's revenue has slid since its 2024 peak: $11M last quarter, up 3.8% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | -9.6% | +243 points |
| Q2 2026 | -1685% | -1678 points |
| Q1 2026 | -77% | -75 points |
| Q4 2025 | -50% | -90 points |
| Q3 2025 | -253% | -260 points |
| Q2 2025 | -7.1% | -13 points |
| Q1 2025 | -2.3% | -7.5 points |
| Q4 2024 | 40% | +30 points |
BAFN's operating margin was −9.6% last quarter, up 243 points from the same quarter a year ago.
GS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $18.7B | +23% |
| Q2 2026 | $20.3B | +39% |
| Q1 2026 | $17.2B | +14% |
| Q4 2025 | $13.5B | -3% |
| Q3 2025 | $15.2B | +20% |
| Q2 2025 | $14.6B | +15% |
| Q1 2025 | $15.1B | +6% |
| Q4 2024 | $13.9B | +23% |
GS has the edge over BAFN on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 37% | +2 points |
| Q2 2026 | 42% | +8.1 points |
| Q1 2026 | 38% | +0.2 points |
| Q4 2025 | 44% | +5.6 points |
| Q3 2025 | 36% | +4.1 points |
| Q2 2025 | 34% | +3.2 points |
| Q1 2025 | 37% | +0.6 points |
| Q4 2024 | 38% | +18 points |
GS has the edge over BAFN on profitability, with a higher operating margin.
BAFN Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$4M | -108% |
| Q2 2026 | $263K | -100% |
| Q1 2026 | -$3.2M | -104% |
| Q4 2025 | $101.3M | +3.9% |
| Q3 2025 | $47.3M | -48% |
| Q2 2025 | $63.1M | -19% |
| Q1 2025 | $74.1M | -40% |
| Q4 2024 | $97.5M | -23% |
BAFN has the edge over GS on cash generation, producing positive trailing cash flow while its opponent burns cash.
GS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.7B | +72% |
| Q2 2026 | $5.6B | +7.8% |
| Q1 2026 | -$32.4B | +$5.3B |
| Q4 2025 | -$16.8B | -136% |
| Q3 2025 | $2.1B | +$40.6B |
| Q2 2025 | $5.2B | -6.8% |
| Q1 2025 | -$37.7B | -$9.2B |
| Q4 2024 | $46.2B | +$75.1B |
GS's free cash flow was −$40B over the past year, against $15.8B the year before. Free cash flow isn't a meaningful measure for financial services companies like GS.
BAFN Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +478% | +19.6M shares |
| 1 year | +474% | +19.6M shares |
| 3 years | +445% | +19.4M shares |
| 5 years | +439% | +19.3M shares |
BAFN has 24M diluted shares, up 474% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | — |
| Q1 2026 | — |
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | — |
| Q1 2025 | $335,000 |
| Q4 2024 | — |
BAFN hasn't bought back shares in the past year.
GS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.2% | -3.8M shares |
| 1 year | -4.4% | -13.9M shares |
| 3 years | -12% | -42.8M shares |
| 5 years | -15% | -52.8M shares |
| Available history | -20% | -74.4M shares |
GS has the edge over BAFN on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $3B |
| Q2 2026 | $4B |
| Q1 2026 | $5B |
| Q4 2025 | $3B |
| Q3 2025 | $2B |
| Q2 2025 | $3B |
| Q1 2025 | $4.4B |
| Q4 2024 | $2B |
GS spent $15B buying back its own shares over the past year, up 32% from the year before.
BAFN Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2025 | -2.1x | Net Cash |
| Q1 2025 | -2.1x | Net Cash |
| Q4 2024 | -3.7x | Net Cash |
| Q3 2024 | -5.6x | Net Cash |
| Q2 2024 | 0.0x | Very low |
| Q1 2024 | -3.5x | Net Cash |
| Q4 2023 | -4.1x | Net Cash |
| Q3 2023 | -10.0x | Net Cash |
BAFN has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like BAFN.
GS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.4x | Net Cash |
| Q2 2026 | -6.1x | Net Cash |
| Q1 2026 | -6.7x | Net Cash |
| Q4 2025 | -6.4x | Net Cash |
| Q3 2025 | -3.5x | Net Cash |
| Q2 2025 | -3.1x | Net Cash |
| Q1 2025 | -3.9x | Net Cash |
| Q4 2024 | -4.7x | Net Cash |
GS has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like GS.
BAFN Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 47.9 | Neutral |
| Stochastic | 22.1 | Neutral |
BAFN's weekly RSI is 48 (neutral) and its Stochastic is 22 (neutral).
GS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 44.5 | Neutral |
| Stochastic | 16.3 | Oversold |
GS's weekly RSI is 45 (neutral) and its Stochastic is 16 (oversold).
BAFN PE vs Financial Services Sector
| Metric | BAFN | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 13x | — |
BAFN has no meaningful PE right now: it lost money over the past year.
GS PE vs Financial Services Sector
| Metric | GS | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.8% above |
| PE % | 46 | 63 | 17 pts below |
GS is trading at 13x earnings, in line with the Financial Services sector's median of 13x, though its earnings don't support one.
BAFN Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $6.34 | 2.1% below |
| 20 week MA | $6.57 | 5.5% below |
| 50 week MA | $6.64 | 6.5% below |
| 100 week MA | $9.92 | 37% below |
| 200 week MA | $11.6 | 47% below |
BAFN is in a downtrend: it's below all five of its weekly moving averages, and 47% below its 200-week average.
GS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $895.5 | 2% above |
| 20 week MA | $977.4 | 6.5% below |
| 50 week MA | $945.4 | 3.4% below |
| 100 week MA | $804.5 | 14% above |
| 200 week MA | $602.7 | 52% above |
GS has the edge over BAFN on trend strength, trading above more of its moving averages.
BAFN Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $17.1 | $14.0 | -18% |
| 2021 | $14.0 | $22.5 | +61% |
| 2022 | $22.5 | $16.4 | -27% |
| 2023 | $16.4 | $13.1 | -20% |
| 2024 | $13.1 | $13.5 | +3.4% |
| 2025 | $13.5 | $7.80 | -42% |
| 2026 YTD | $7.80 | $6.21 | -20% |
BAFN has finished lower in four of the last six years. It's down 20% so far in 2026.
GS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $230.7 | $256.2 | +11% |
| 2021 | $256.2 | $385.0 | +50% |
| 2022 | $385.0 | $345.5 | -10% |
| 2023 | $345.5 | $385.8 | +12% |
| 2024 | $385.8 | $576.2 | +49% |
| 2025 | $576.2 | $907.0 | +57% |
| 2026 YTD | $907.0 | $913.6 | +0.7% |
GS has the edge over BAFN on returns for 2026, with the stronger performance.