BayFirst Financial Corp. (BAFN)

NASDAQ: BAFN · Real-Time Price · USD

7.05

-0.02 (-0.28%)

At close: Feb 18, 2026, 4:00 PM EST

7.00

-0.05 (-0.71%)

After-hours: Feb 18, 2026, 4:10 PM EST

BayFirst Financial Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	81.24	78.83	63.19	36.49	43.26
Interest Income on Investments	4.55	3.98	5.33	2.07	0.57
Total Interest Income	85.79	82.81	68.52	38.57	43.83
Interest Paid on Deposits	37.74	42.87	30.8	7.84	4.89
Interest Paid on Borrowings	2.27	1.91	1.29	0.72	2.42
Total Interest Expense	40.01	44.78	32.09	8.57	7.3
Net Interest Income	45.79	38.03	36.43	30	36.53
Net Interest Income Growth (YoY)	20.40%	4.38%	21.44%	-17.87%	9.19%
Gain (Loss) on Sale of Assets	-	11.65	-	-	-
Other Non-Interest Income	6.68	20.57	25.2	9.83	3.95
Total Non-Interest Income	18.4	60.47	49.76	31.55	21.97
Non-Interest Income Growth (YoY)	-69.58%	21.53%	57.70%	43.59%	-77.51%
Revenues Before Loan Losses	64.18	98.5	86.19	61.55	58.5
Provision for Loan Losses	24.59	14.73	10.45	-0.7	-3.5
Revenue	39.6	83.77	75.74	62.25	62
Revenue Growth (YoY)	-52.73%	10.60%	21.67%	0.40%	-45.73%
Salaries and Employee Benefits	29.28	35.05	35.94	28.9	27.09
Occupancy Expenses	6.07	3.78	3.64	2.08	1.06
Federal Deposit Insurance	1.87	1.25	0.88	0.46	0.44
Selling, General & Administrative	14.4	16.39	16.66	16.64	16.77
Other Non-Interest Expense	11.52	10.31	10.59	7.14	4.92
Total Non-Interest Expense	63.14	66.78	67.71	55.21	50.28
EBT Excluding Unusual Items	-23.55	16.99	8.03	7.04	11.72
Pretax Income	-30.83	16.99	8.03	7.04	11.72
Income Tax Expense	-7.89	4.32	2.12	1.56	2.69
Earnings From Continuing Operations	-22.94	12.67	5.92	5.48	9.03
Earnings From Discontinued Operations	-	-0.07	-0.21	-5.83	15.59
Net Income	-22.94	12.6	5.7	-0.35	24.62
Preferred Dividends & Other Adjustments	1.54	1.54	0.97	0.83	1.01
Net Income to Common	-24.48	11.06	4.74	-1.18	23.61
Net Income Growth	-	121.03%	-	-	93.80%
Basic Shares Outstanding	4	4	4	4	4
Diluted Shares Outstanding	4	5	5	4	4
Shares Change (YoY)	-10.04%	0.15%	8.56%	3.67%	1.75%
EPS (Basic)	-5.93	2.68	1.16	-0.29	6.21
EPS (Diluted)	-5.93	2.62	1.12	-0.29	5.91
EPS Growth	-	134.31%	-	-	96.48%
Dividend Per Share	0.160	0.320	0.320	0.320	0.277
Dividend Growth	-50.00%	-	-	15.52%	55.01%
Effective Tax Rate	-	25.40%	26.38%	22.17%	22.96%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q