Atlantic American Corporation (AAME) vs BayFirst Financial Corp. (BAFN)
A side-by-side comparison of Atlantic American Corporation and BayFirst Financial Corp. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — AAME vs BAFN
growth of $100 · dividends reinvested · last 7yAAME vs BAFN: by the numbers
- •BAFN is the larger company ($31M vs $26M market cap).
- •AAME is profitable (2.45% net margin) while BAFN runs a net loss (-91.62%).
- •Both shrank revenue over the past five years; AAME's decline was smaller (-1.02% vs -17.63% CAGR).
Metrics side by side
Valuation
| Metric | AAME | BAFN |
|---|---|---|
| P/E ratio | 5.66 | N/A |
| P/S ratio | 0.13 | 0.47 |
| P/B ratio | 0.24 | 1.21 |
Profitability
| Metric | AAME | BAFN |
|---|---|---|
| Operating margin | 3.15% | -29.59% |
| Net margin | 2.45% | -91.62% |
| ROE | 4.66% | -51.50% |
Atlantic American Corporation: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
BayFirst Financial Corp.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Growth (annualized)
| Metric | AAME | BAFN |
|---|---|---|
| Revenue CAGR (5Y) | -1.02% | -17.63% |
| Total return CAGR (5Y) | -20.70% | -22.05% |
Frequently asked
- Which has grown faster, AAME or BAFN?
- Neither grew: over the past five years both shrank revenue, with AAME's decline the smaller — AAME at a -1.02% CAGR versus BAFN at -17.63%.
- Is AAME or BAFN more profitable?
- AAME runs the higher net margin — AAME at 2.45% versus BAFN at -91.62%.
- How have AAME and BAFN total returns compared?
- Over the past 5 years, AAME delivered -20.70% and BAFN delivered -22.05% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Atlantic American & BayFirst Financial appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.