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BAFN vs GCBC

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BayFirst Financial Corp. Common Stock and Greene County Bancorp Inc

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Daily close · 2026-10-12

Price return

Both stocks start at 0% on the first shared trading day.

BAFN-79.33%
GCBC102.31%
Price return: BAFN and GCBCHistorical recorded observations on the same scale. Missing metrics leave gaps.-98%-38%22%82%142%202120222023202420252026

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Split-adjusted closing prices. Dividends are excluded.Explore stocks within your daily allowance.
Similarity
100.0%
2 shared / 2 total tags

How similar are their businesses?

The score compares business activities in annual filings released in 2025. Core activities receive four times the weight of material activities. Industries that fewer companies share carry more weight.

BankingFinancial Services
How we measure overlap ↗
The businesses behind the score

Industry overlap

Filing-derived business activity overlapCounts of retained positive business classifications. Circle sizes do not encode the counts or the weighted similarity score.BAFN only0Shared2GCBC only0

BAFN only · 0

No activities in this group.

Shared activities · 2

GCBC only · 0

No activities in this group.

Positive activities from the two selected annual filings. Up to six activities per group are shown here; every activity remains in the complete table. These are classification sets, not revenue shares. The weighted similarity score also accounts for exposure and how common each activity is.
Show business activity table · 2 rows, 3 columns

Core activities receive full weight; material activities receive one quarter. Select a tag to read the filing evidence.

Business activityBAFNGCBC
CoreCore
CoreCore

Banking

BAFN Core

Annual filing released 2025-03-25 · GPT 6 Luna

Item 1. Business BayFirst Financial Corp. BayFirst Financial Corp. is a bank holding company that operates through its wholly owned subsidiary, BayFirst National Bank (the “Bank”), together referred to as “the Company” or “BayFirst”. BayFirst commenced its bank holding company operations on September 1, 2000, by acquiring all shares of the Bank. BayFirst’s primary source of income is from the Bank, which serves a broad spectrum of consumers and small businesses in the Tampa Bay/Sarasota region and is supported by a national government guaranteed lending business. BayFirst utilizes this national business line to provide financial support for the delivery and expansion of traditional banking services, and to serve as a specialized lead product to introduce the Bank to new customers in the Tampa Bay/Sarasota region.
NOTE 1 - BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Nature of Operations and Principles of Consolidation: The accompanying consolidated financial statements include BayFirst Financial Corp. and its wholly owned subsidiary, BayFirst National Bank, together referred to as “the Company”. BayFirst Financial Corp. is a registered bank holding company, incorporated under the laws of the State of Florida. The Company owns all outstanding stock of BayFirst National Bank (the “Bank”), a national banking association bank. A significant portion of the Company’s assets and revenues are derived from the operations of the Bank. The Company provides a variety of traditional community banking services through its full-service banking centers located in the Tampa-Sarasota, Florida region.
Read the annual filing ↗

GCBC Core

Annual filing released 2025-09-05 · GPT 6 Luna

The Bank of Greene County’s deposits are insured by the Deposit Insurance Fund, as administered by the Federal Deposit Insurance Corporation, up to the maximum amount permitted by law. The Bank of Greene County's principal business consists of attracting retail deposits from the general public in the areas surrounding its branches and investing those deposits, together with funds generated from operations and borrowings, primarily in residential mortgage loans, commercial real estate mortgage loans, consumer loans, home equity loans and commercial business loans. In addition, the Bank of Greene County invests a significant portion of its assets in state and political subdivision securities and mortgage-backed securities.
The Company’s primary business is the ownership and operation of its subsidiaries. At June 30, 2025, the Company operated 18 full-service banking offices, lending centers, an operations center, customer call center, administration center, and a wealth management center located in its market area consisting of the Hudson Valley and Capital District Regions of New York State. The Bank is primarily engaged in the business of attracting deposits from the general public in the Bank’s market area, and investing such deposits, together with other sources of funds, in loans and investment securities. The Commercial Bank’s primary business is to attract deposits from and provide banking services to local municipalities. Greene Property Holdings, Ltd. was formed as a New York corporation that has elected under the Internal Revenue Code to be a real estate investment trust.
Read the annual filing ↗

Financial Services

BAFN Core

Annual filing released 2025-03-25 · GPT 6 Luna

Item 1. Business BayFirst Financial Corp. BayFirst Financial Corp. is a bank holding company that operates through its wholly owned subsidiary, BayFirst National Bank (the “Bank”), together referred to as “the Company” or “BayFirst”. BayFirst commenced its bank holding company operations on September 1, 2000, by acquiring all shares of the Bank. BayFirst’s primary source of income is from the Bank, which serves a broad spectrum of consumers and small businesses in the Tampa Bay/Sarasota region and is supported by a national government guaranteed lending business. BayFirst utilizes this national business line to provide financial support for the delivery and expansion of traditional banking services, and to serve as a specialized lead product to introduce the Bank to new customers in the Tampa Bay/Sarasota region.
The Bank focuses on customers that are seeking the flexibility and personalized relationships that a community bank can provide. The Bank offers specialized business and personal checking accounts, internet banking and online bill payment, lock box services, remote capture and deposit, cash management, wire transfers, safety deposit boxes, courier services, retail investment services, and ACH originations, among other services. The Bank also offers customary community bank deposit products, including interest-bearing and noninterest-bearing checking accounts, MMDAs, savings accounts, certificates of deposit and IRAs.
Read the annual filing ↗

GCBC Core

Annual filing released 2025-09-05 · GPT 6 Luna

The Bank of Greene County’s deposits are insured by the Deposit Insurance Fund, as administered by the Federal Deposit Insurance Corporation, up to the maximum amount permitted by law. The Bank of Greene County's principal business consists of attracting retail deposits from the general public in the areas surrounding its branches and investing those deposits, together with funds generated from operations and borrowings, primarily in residential mortgage loans, commercial real estate mortgage loans, consumer loans, home equity loans and commercial business loans. In addition, the Bank of Greene County invests a significant portion of its assets in state and political subdivision securities and mortgage-backed securities.
The Company is a community bank offering a variety of financial services to meet the needs of the communities it serves. At June 30, 2025, the Company operated 18 full-service banking offices, lending centers, an operations center, customer call center, administration center and a wealth management center, located in its market area consisting of the Hudson Valley and Capital District Regions of New York State. The primary market area the Company serves is the Greene, Columbia, Albany, Ulster and Rensselaer Counties of New York State. 5 Index
Read the annual filing ↗
What each company does

Compare the businesses

BayFirst Financial Corp. Common Stock

BAFN · XNAS

BayFirst Financial Corp. operates as the bank holding company for BayFirst National Bank that provides community banking services for small and medium sized businesses and individuals. The company offers checking, savings, negotiable order of withdrawal, and money market deposit accounts, as well as certificates of deposit and individual retirement accounts; 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 internet, mobile and online banking, lock box services, remote capture and deposit, 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 Pinellas, Hillsborough, Manatee, and Sarasota counties, 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 Saint Petersburg, Florida.

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Greene County Bancorp Inc

GCBC · XNAS

Greene County Bancorp, Inc. operates as a holding company for The Bank of Greene County that provides various financial services in the United States. The company offers deposit products, such as savings, NOW accounts, money market accounts, certificates of deposit, non-interest bearing checking accounts, and individual retirement accounts. Its loan portfolio includes residential, construction and land loans; commercial real estate mortgages; consumer loans, including loans on new and used automobiles, personal loans, and home equity loans, as well as other consumer installment loans comprising passbook loans, unsecured home improvement loans, recreational vehicle loans, and deposit account overdrafts; and commercial loans. In addition, it provides transaction processing and investment brokerage services. Further, it engages in the sale of securities and the operation of banking office, lending centers, an operations center, customer call center, administration center, and a wealth management center. The company was founded in 1889 and is based in Catskill, New York. Greene County Bancorp, Inc. operates as a subsidiary of Greene County Bancorp, MHC.

Open GCBC dashboard ↗
Financial data

Fundamentals side by side

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Show fundamentals table · 11 rows, 3 columns
MetricBAFNGCBC
ExchangeXNASXNAS
SectorFinancial ServicesFinancial Services
IndustryBanks - RegionalBanks - Regional
Market observation2026-10-122026-10-12
Closing price (USD)$4.96$34.19
Market cap (USD)$20.37M$582.10M
P/E (TTM)Unavailable14.19×
Latest annual period2025-12-312026-06-30
Revenue (annual, USD)$63.05M$92.58M
Net income (annual, USD)$-24.57M$41.02M
Gross margin (annual)UnavailableUnavailable

USD values from stored observations. Fiscal period endings and availability dates may differ.

BAFN period ended 2025-12-31 · available 2026-08-12 · SEC filing ↗GCBC period ended 2026-06-30 · available 2026-09-09 · SEC filing ↗

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Behind the comparison

Sources and methodology

Price return uses split-adjusted daily closes and excludes dividends. Both stocks start on the first shared trading day within the selected window. Unavailable metrics leave gaps.

Financials use SEC canonical statements available by the displayed cutoff, retaining each company's fiscal period end. Annual and quarterly amounts are shown separately. P/E is unavailable when earnings do not support a positive ratio.

Business overlap uses industry tags from annual filings released in 2025. Each core activity receives full weight; each material activity receives one quarter of that weight. Rarer industries carry more weight. We sum the smaller exposure for each shared activity and divide it by the sum of the larger exposure for every activity in either company. This measures business overlap, rather than price correlation or expected returns.

Related comparisons require a shared specific core activity and at least 20% overlap. Broad categories alone do not establish a close peer relationship. Identical classifications can score 100% even when companies sell different products. We select up to ten leading peers per issuer for discovery, combine both directions, and require current common shares, public company profiles and stored price observations. Arbitrary stock pairs remain available.

Statements available through 2026-10-14. Industry snapshot: 2025-12-31 · 5,721 classified issuers.