# BayFirst Financial Corp. (BAFN) vs State Street SPDR S&P 500 ETF Trust (SPY) · total-return overlay

LOPJLB holding-return compare (5Y). Dividends and splits. Each path starts at 0% from the first adjusted close in the window.

BayFirst Financial Corp. (BAFN) vs State Street SPDR S&P 500 ETF Trust (SPY) total return over 5Y: BAFN -80.04%, SPY +91.57%. Regime BAFN CRISIS · SPY BULL. As of Oct 9, 2026. Research only.

- Interactive: https://www.lopjlb.com/vs/BAFN/SPY
- API: `GET /bff/api/bigfive/compare-series?symbols=BAFN%2CSPY&range=5y`

## Window

| Symbol | Window % | Worst drawdown | YTD |
|---|---:|---:|---:|
| BAFN | -80.04% | -83.60% | -31.64% |
| SPY | +91.57% | -24.49% | +14.86% |

## Periods (calendar lookback)

| Symbol | 1Y | 2Y | 3Y | 5Y |
|---|---:|---:|---:|---:|
| BAFN | -46.20% | -57.98% | -46.60% | -80.04% |
| SPY | +17.26% | +38.01% | +86.77% | +91.57% |

## Annual

| Year | BAFN | SPY |
|---|---:|---:|
| YTD | -31.64% | +14.86% |
| 2025 | -39.66% | +18.01% |
| 2024 | +4.51% | +25.59% |
| 2023 | -20.23% | +26.73% |
| 2022 | -26.66% | -18.64% |
| 2021 | -21.69% | +9.65% |

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Research context only. Not personalized investment advice.