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 Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	12.6	5.7	-0.35	24.62
Depreciation & Amortization	8.72	6.75	4.97	4.33
Other Amortization	0.01	0.01	0.01	0.04
Gain (Loss) on Sale of Assets	-11.64	-0.36	-	-
Gain (Loss) on Sale of Investments	0.11	0.1	0.12	0.1
Provision for Credit Losses	4.88	-5.27	-5.46	-3.68
Net Decrease (Increase) in Loans Originated / Sold - Operating	403.37	479.75	352.09	392.97
Accrued Interest Receivable	-2.03	-2.68	-0.92	3.72
Change in Other Net Operating Assets	5.75	-4.36	1.57	-4.61
Other Operating Activities	-0.83	1.69	5.64	-12.45
Net Cash from Discontinued Operations	-0.34	-0.39	105.54	111.54
Operating Cash Flow	390.53	454.8	440.25	495.39
Operating Cash Flow Growth	-14.13%	3.30%	-11.13%	-
Capital Expenditures	-1.69	-7.58	-8.06	-13.12
Sale of Property, Plant and Equipment	14.75	-	-	-
Investment in Securities	5.58	6.42	-23.53	-31.53
Net Decrease (Increase) in Loans Originated / Sold - Investing	-530.79	-529.85	-423.95	264.72
Other Investing Activities	-4.17	-112.58	-55.06	-12.47
Investing Cash Flow	-515.93	-641.28	-510.61	207.62
Short-Term Debt Issued	-	-	25	6
Total Debt Issued	-	-	25	6
Short-Term Debt Repaid	-10	-15	-	-6
Long-Term Debt Repaid	-0.46	-0.51	-70.11	-812.06
Total Debt Repaid	-10.46	-15.51	-70.11	-818.06
Net Debt Issued (Repaid)	-10.46	-15.51	-45.11	-812.06
Issuance of Common Stock	-	0.29	0.58	2.22
Repurchase of Common Stock	-	-0.01	-0.05	-
Preferred Stock Issued	-	6.45	-	0.73
Common Dividends Paid	-1.32	-1.31	-1.29	-1.06
Preferred Dividends Paid	-1.54	-0.97	-0.83	-1.01
Total Dividends Paid	-2.86	-2.28	-2.12	-2.06
Net Increase (Decrease) in Deposit Accounts	158.09	190.07	73.39	162.9
Other Financing Activities	0.03	-0.19	-0.02	-0.38
Financing Cash Flow	144.8	178.82	26.67	-648.66
Net Cash Flow	19.4	-7.66	-43.68	54.35
Free Cash Flow	388.84	447.22	432.19	482.27
Free Cash Flow Growth	-13.05%	3.48%	-10.38%	-
Free Cash Flow Margin	464.19%	590.45%	694.28%	777.87%
Free Cash Flow Per Share	84.74	97.61	102.40	118.46
Cash Interest Paid	44.63	31.91	8.19	8.97
Cash Income Tax Paid	0.01	0.1	0.25	10.38

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

SEC Filings: 10-K · 10-Q