BayFirst Financial (NASDAQ:BAFN – Get Free Report) and Madison County Financial (OTCMKTS:MCBK – Get Free Report) are both small-cap finance companies, but which is the better business? We will compare the two companies based on the strength of their risk, analyst recommendations, institutional ownership, earnings, valuation, dividends and profitability.
Analyst Recommendations
This is a breakdown of recent ratings and target prices for BayFirst Financial and Madison County Financial, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| BayFirst Financial | 1 | 0 | 0 | 0 | 1.00 |
| Madison County Financial | 0 | 0 | 0 | 0 | 0.00 |
Valuation & Earnings
This table compares BayFirst Financial and Madison County Financial”s revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| BayFirst Financial | $104.19 million | 0.25 | -$22.94 million | ($7.22) | -0.89 |
| Madison County Financial | $32.34 million | 2.64 | $6.50 million | N/A | N/A |
Madison County Financial has lower revenue, but higher earnings than BayFirst Financial.
Risk and Volatility
BayFirst Financial has a beta of 0.63, meaning that its stock price is 37% less volatile than the S&P 500. Comparatively, Madison County Financial has a beta of 0.09, meaning that its stock price is 91% less volatile than the S&P 500.
Insider and Institutional Ownership
16.9% of BayFirst Financial shares are held by institutional investors. 18.8% of BayFirst Financial shares are held by company insiders. Comparatively, 16.9% of Madison County Financial shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.
Profitability
This table compares BayFirst Financial and Madison County Financial’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| BayFirst Financial | -29.20% | -37.66% | -2.21% |
| Madison County Financial | N/A | N/A | N/A |
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.
About Madison County Financial
Madison County Financial, Inc. operates as the holding company for Madison County Bank that provides banking and financial services to individual and corporate customers in Nebraska, the United States. It offers checking, money market savings, savings, and individual retirement accounts; certificates of deposit; credit and debit cards; home loans; and consumer loans, including home equity lines of credit, second mortgage, home improvement, recreational vehicle, personal, and overdraft protection loans, as well as loans for automobiles, trucks, and vans. The company also provides agricultural real estate, machinery and equipment, livestock and crop, and operating loans; and commercial real estate, construction, investment property, and working capital loans, as well as equipment financing services. In addition, it offers online and mobile banking, and merchant services. The company was formerly known as Madison County Holding Company and changed its name to Madison County Financial, Inc. in October 2012. Madison County Financial, Inc. was founded in 1888 and is headquartered in Madison, Nebraska.
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