BayFirst Financial Corp. (BAFN)

NASDAQ: BAFN · Real-Time Price · USD

5.80

-0.37 (-6.00%)

At close: Oct 30, 2026, 4:00 PM EDT

5.85

+0.05 (0.86%)

After-hours: Oct 30, 2026, 7:30 PM EDT

BayFirst Financial Balance Sheet

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

Millions USD. Fiscal year is Jan - Dec.

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 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 & Equivalents	128.33	206.98	77.79	58.39	66.05	108.78
Investment Securities	30.86	9.19	18.63	26.37	30.57	9.92
Trading Asset Securities	-	-	-	-	-	1.55
Mortgage-Backed Securities	-	22.67	22.42	20.34	21.66	23.36
Total Investments	30.86	31.86	41.05	46.71	52.23	34.83
Gross Loans	902.97	970.71	1,075	922.77	734.27	587.83
Allowance for Loan Losses	-41.76	-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	861.2	941.9	1,051	902.23	719.61	570.5
Property, Plant & Equipment	48.08	45.69	49.06	41.29	38.62	32.35
Loans Held for Sale	-	-	-	-	-	1.46
Accrued Interest Receivable	5.43	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	21.84	6.54	-	-	0.98	0.45
Other Real Estate Owned & Foreclosed	0.41	0.66	0.17	-	-	-
Other Long-Term Assets	51.78	58.21	60.03	61.68	55.75	45.87
Total Assets	1,148	1,300	1,288	1,118	938.9	917.1

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 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
Accrued Expenses	8.99	6.13	9.9	8.98	12.21	8.78
Interest Bearing Deposits	892.96	911.21	1,041	891.43	701.84	638.05
Institutional Deposits	-	177	-	-	-	-
Non-Interest Bearing Deposits	121.19	95.73	101.74	93.71	93.24	83.64
Total Deposits	1,014	1,184	1,143	985.14	795.07	721.69
Short-Term Borrowings	-	-	-	10	25	0.19
Current Portion of Long-Term Debt	-	0.46	0.46	0.46	0.05	44.65
Current Portion of Leases	-	2.12	2.03	1.11	-	1.45
Accrued Interest Payable	0.74	1.13	1.04	0.88	0.7	0.33
Other Current Liabilities	-	-	-	0.62	1.66	7.46
Long-Term Debt	7.11	7.1	7.43	7.88	8.79	34.29
Long-Term Leases	12.41	11.15	12.48	1.51	3.54	1.98
Long-Term Deferred Tax Liabilities	-	-	0.3	0.48	-	-
Other Long-Term Liabilities	-	0.67	0.52	-	-	-
Total Liabilities	1,043	1,213	1,177	1,017	847.01	820.81

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 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
Preferred Stock, Redeemable	-	6.16	6.16	6.16	6.16	6.16
Preferred Stock, Convertible	6.45	9.57	9.57	9.57	3.12	3.12
Total Preferred Equity	6.45	15.73	15.73	15.73	9.28	9.28
Common Stock	128.65	54.37	54.76	54.52	53.02	51.5
Retained Earnings	-27.64	19.76	44.13	34.4	33.48	35.95
Comprehensive Income & Other	-2.91	-2.3	-3.71	-3.94	-3.9	-0.44
Total Common Equity	98.1	71.84	95.19	84.98	82.6	87.01
Shareholders' Equity	104.54	87.57	110.92	100.71	91.88	96.29
Total Liabilities & Equity	1,148	1,300	1,288	1,118	938.9	917.1

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 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
Total Debt	19.51	20.82	22.4	20.96	37.37	82.56
Net Cash (Debt)	108.81	186.16	57.66	42.07	33.55	30.15
Net Cash Growth	123.32%	222.87%	37.04%	25.40%	11.28%	-
Net Cash Per Share	11.99	45.08	12.57	9.18	7.95	7.41
Filing Date Shares Outstanding	26.96	4.11	4.15	4.13	4.1	4.01
Total Common Shares Outstanding	26.96	4.11	4.13	4.11	4.04	3.98
Book Value Per Share	3.64	17.49	23.03	20.67	20.43	21.85
Tangible Book Value	98.1	71.84	95.19	84.98	82.6	87.01
Tangible Book Value Per Share	3.64	17.49	23.03	20.67	20.43	21.85

SEC Filings: 10-K · 10-Q