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 Balance Sheet

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
Cash & Equivalents	206.98	77.79	58.39	66.05	108.78
Investment Securities	36.51	18.63	26.37	30.57	9.92
Trading Asset Securities	-	-	-	-	1.55
Mortgage-Backed Securities	-	22.42	20.34	21.66	23.36
Total Investments	36.51	41.05	46.71	52.23	34.83
Gross Loans	970.71	1,075	922.77	734.27	587.83
Allowance for Loan Losses	-22	-15.51	-13.5	-9.05	-13.45
Other Adjustments to Gross Loans	-6.81	-8.31	-7.04	-5.62	-3.88
Net Loans	941.9	1,051	902.23	719.61	570.5
Property, Plant & Equipment	45.69	49.06	41.29	38.62	32.35
Loans Held for Sale	-	-	-	-	1.46
Accrued Interest Receivable	8.42	9.16	7.13	4.45	3.53
Restricted Cash	-	-	-	-	0.95
Other Current Assets	-	-	0.35	1.21	118.38
Long-Term Deferred Tax Assets	6.54	-	-	0.98	0.45
Other Real Estate Owned & Foreclosed	0.4	0.13	-	-	-
Other Long-Term Assets	53.82	60.06	61.68	55.75	45.87
Total Assets	1,300	1,288	1,118	938.9	917.1
Accrued Expenses	6.8	10.41	8.98	12.21	8.78
Interest Bearing Deposits	1,088	828.09	891.43	701.84	638.05
Institutional Deposits	-	213.4	-	-	-
Non-Interest Bearing Deposits	95.73	101.74	93.71	93.24	83.64
Total Deposits	1,184	1,143	985.14	795.07	721.69
Short-Term Borrowings	-	-	10	25	0.19
Current Portion of Long-Term Debt	-	-	-	0.05	44.65
Current Portion of Leases	-	2.03	1.11	-	1.45
Accrued Interest Payable	1.13	1.04	0.88	0.7	0.33
Other Current Liabilities	-	-	0.62	1.66	7.46
Long-Term Debt	7.56	7.89	8.34	8.79	34.29
Long-Term Leases	13.26	12.48	1.51	3.54	1.98
Long-Term Deferred Tax Liabilities	-	0.3	0.48	-	-
Total Liabilities	1,213	1,177	1,017	847.01	820.81
Preferred Stock, Redeemable	6.16	6.16	6.16	6.16	6.16
Preferred Stock, Convertible	9.57	9.57	9.57	3.12	3.12
Total Preferred Equity	15.73	15.73	15.73	9.28	9.28
Common Stock	54.37	54.76	54.52	53.02	51.5
Retained Earnings	19.76	44.13	34.4	33.48	35.95
Comprehensive Income & Other	-2.3	-3.71	-3.94	-3.9	-0.44
Total Common Equity	71.84	95.19	84.98	82.6	87.01
Shareholders' Equity	87.57	110.92	100.71	91.88	96.29
Total Liabilities & Equity	1,300	1,288	1,118	938.9	917.1
Total Debt	20.82	22.4	20.96	37.37	82.56
Net Cash (Debt)	186.16	57.66	42.07	33.55	30.15
Net Cash Growth	222.87%	37.04%	25.40%	11.28%	-
Net Cash Per Share	45.10	12.57	9.18	7.95	7.41
Filing Date Shares Outstanding	4.11	4.15	4.13	4.1	4.01
Total Common Shares Outstanding	4.11	4.13	4.11	4.04	3.98
Book Value Per Share	17.49	23.03	20.67	20.43	21.85
Tangible Book Value	71.84	95.19	84.98	82.6	87.01
Tangible Book Value Per Share	17.49	23.03	20.67	20.43	21.85

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

SEC Filings: 10-K · 10-Q