BayFirst Financial Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

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
Net Interest Income	44.24	45.79	38.03	36.43	30	36.53
Net Interest Income Growth	9.81%	20.40%	4.38%	21.44%	-17.87%	9.19%
Non-Interest Income	5.43	18.4	60.47	49.76	31.55	21.97
Non-Interest Income Growth	-87.45%	-69.58%	21.53%	57.70%	43.59%	-77.51%
Revenues Before Loan Losses	49.67	64.18	98.5	86.19	61.55	58.5
Provision for Credit Losses	23.26	24.59	14.73	10.45	-0.7	-3.5
Revenue	26.4	39.6	83.77	75.74	62.25	62
Revenue Growth (YoY)	-61.46%	-52.73%	10.60%	21.67%	0.40%	-45.73%
Compensation Expenses	26.57	29.28	35.51	36.7	29.82	28.1
Selling, General & Admin	18.06	18.82	17.53	17.36	15.57	15.11
Other Non-Interest Expenses	24.86	22.33	13.75	13.65	9.83	7.08
Total Non-Interest Expense	69.5	70.43	66.78	67.71	55.21	50.28
Pretax Income	-38	-30.83	16.99	8.03	7.04	11.72
Provision for Income Taxes	-9.72	-7.89	4.32	2.12	1.56	2.69
Net Income	-29.82	-24.48	11.06	4.74	-1.18	23.61
Net Income Attributable to Preferred Dividends	1.54	1.54	1.54	0.97	0.83	1.01
Earnings From Discontinued Operations	-	-	-0.07	-0.21	-5.83	15.59
Net Income to Common	-29.82	-24.48	11.06	4.74	-1.18	23.61
Net Income Growth	-	-	133.52%	-	-	99.43%
Shares Outstanding (Basic)	4	4	4	4	4	4
Shares Outstanding (Diluted)	4	4	5	5	4	4
Shares Change (YoY)	-10.24%	-10.00%	0.15%	8.56%	3.67%	1.75%
EPS (Basic)	-7.22	-5.93	2.68	1.16	-0.29	6.21
EPS (Diluted)	-7.22	-5.93	2.62	1.12	-0.22	5.91
EPS Growth	-	-	133.93%	-	-	96.35%
Shares Outstanding	4.11	4.11	4.13	4.11	4.04	3.98
Free Cash Flow	-	285	388.84	447.22	432.19	482.27
Free Cash Flow Growth	-	-26.71%	-13.05%	3.48%	-10.38%	-
Free Cash Flow Per Share	-	69.01	84.74	97.61	102.40	118.46
Dividends Per Share	0.080	0.160	0.240	0.320	0.320	0.277
Dividend Growth	-50.00%	-33.33%	-25.00%	-	15.52%	55.01%
Profit Margin	-107.11%	-57.93%	15.13%	7.81%	8.80%	14.56%
FCF Margin	-	719.77%	464.19%	590.45%	694.28%	777.87%
EBITDA	-	10.25	9.56	7.45	5.3	4.38
EBITDA Margin	-	25.88%	11.41%	9.83%	8.52%	7.06%
Effective Tax Rate	25.57%	25.60%	25.40%	26.38%	22.17%	22.96%

Updated Apr 30, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q