BayFirst Financial Corp. (BAFN)

NASDAQ: BAFN · Real-Time Price · USD

6.34

-0.46 (-6.76%)

Aug 7, 2026, 4:00 PM EDT - Market closed

BayFirst Financial Financials Overview

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

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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
Revenue	26.39	39.6	83.77	75.74	62.25	62
Revenue Growth	-61.48%	-52.73%	10.60%	21.67%	0.40%	-45.73%
Net Income	-29.82	-24.48	11.06	4.74	-1.18	23.61
Earnings Per Share	-7.22	-5.93	2.62	1.12	-0.29	5.91
EPS Growth	-	-	133.93%	-	-	96.35%

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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
Cash & Investments	134.47	206.98	77.79	58.39	66.05	109.73
Total Debt	7.58	7.56	7.89	8.34	8.84	9.28
Net Cash (Debt)	126.89	199.43	69.9	50.05	57.21	100.44
Net Cash Growth	129.13%	185.31%	39.66%	-12.52%	-43.04%	119.90%
Net Cash Per Share	30.79	48.29	15.23	10.92	13.55	24.67

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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
Operating Cash Flow	207.93	285.3	390.53	454.8	440.25	495.39
Capital Expenditures	-0.23	-0.3	-1.69	-7.58	-8.06	-13.12
Free Cash Flow	207.69	285	388.84	447.22	432.19	482.27
Free Cash Flow Growth	-38.99%	-26.71%	-13.05%	3.48%	-10.38%	-

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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
Pretax Margin	-143.98%	-77.86%	20.28%	10.61%	11.31%	18.90%
Profit Margin	-85.64%	-57.93%	15.13%	7.81%	8.80%	14.56%
FCF Margin	786.98%	719.77%	464.19%	590.45%	694.28%	777.87%

Dividends

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
Dividend Per Share	0.160	0.240	0.320	0.320	0.277
Dividend Per Share Growth	-33.33%	-25.00%	0%	15.52%	55.01%
Dividend Yield	2.05%	2.41%	2.45%	1.91%	1.14%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 8, 2026	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
PE Ratio	-	-	5.08	11.65	-	3.85
P/FCF Ratio	0.13	0.11	0.14	0.12	0.16	0.19
PS Ratio	0.83	0.81	0.66	0.71	1.09	1.46