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 Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Operating Activities
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 |
Net Income | -22.94 | 12.6 | 5.7 | -0.35 | 24.62 |
Depreciation & Amortization | 9.12 | 8.72 | 6.75 | 4.97 | 4.33 |
Other Amortization | 0.01 | 0.01 | 0.01 | 0.01 | 0.04 |
Gain (Loss) on Sale of Assets | -0.31 | -11.64 | -0.36 | - | - |
Gain (Loss) on Sale of Investments | 0.04 | 0.11 | 0.1 | 0.12 | 0.1 |
Total Asset Writedown | 1.42 | - | - | - | - |
Provision for Credit Losses | 25.66 | 4.88 | -5.27 | -5.46 | -3.68 |
Net Decrease (Increase) in Loans Originated / Sold - Operating | 298.16 | 403.37 | 479.75 | 352.09 | 392.97 |
Accrued Interest Receivable | 0.73 | -2.03 | -2.68 | -0.92 | 3.72 |
Change in Other Net Operating Assets | -6.19 | 5.75 | -4.36 | 1.57 | -4.61 |
Other Operating Activities | -6.28 | -0.83 | 1.69 | 5.64 | -12.45 |
Net Cash from Discontinued Operations | - | -0.34 | -0.39 | 105.54 | 111.54 |
Operating Cash Flow | 285.3 | 390.53 | 454.8 | 440.25 | 495.39 |
Operating Cash Flow Growth | -26.95% | -14.13% | 3.30% | -11.13% | - |
Investing Activities
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 |
Capital Expenditures | -0.3 | -1.69 | -7.58 | -8.06 | -13.12 |
Sale of Property, Plant and Equipment | - | 14.75 | - | - | - |
Investment in Securities | 10.54 | 5.58 | 6.42 | -23.53 | -31.53 |
Net Decrease (Increase) in Loans Originated / Sold - Investing | -205.26 | -535.21 | -641.69 | -423.95 | 264.72 |
Other Investing Activities | -0.07 | 0.24 | -0.73 | -55.06 | -12.47 |
Investing Cash Flow | -194.94 | -515.93 | -641.28 | -510.61 | 207.62 |
Financing Activities
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 |
Short-Term Debt Issued | - | - | - | 25 | 6 |
Total Debt Issued | - | - | - | 25 | 6 |
Short-Term Debt Repaid | - | -10 | -15 | - | -6 |
Long-Term Debt Repaid | -0.34 | -0.46 | -0.51 | -70.11 | -812.06 |
Total Debt Repaid | -0.34 | -10.46 | -15.51 | -70.11 | -818.06 |
Net Debt Issued (Repaid) | -0.34 | -10.46 | -15.51 | -45.11 | -812.06 |
Issuance of Common Stock | 0.24 | 0.05 | 0.29 | 0.58 | 2.22 |
Repurchase of Common Stock | -0.34 | - | -0.01 | -0.05 | - |
Preferred Stock Issued | - | - | 6.45 | - | 0.73 |
Common Dividends Paid | -0.66 | -1.32 | -1.31 | -1.29 | -1.06 |
Preferred Dividends Paid | -0.77 | -1.54 | -0.97 | -0.83 | -1.01 |
Total Dividends Paid | -1.43 | -2.86 | -2.28 | -2.12 | -2.06 |
Net Increase (Decrease) in Deposit Accounts | 40.71 | 158.09 | 190.07 | 73.39 | 162.9 |
Other Financing Activities | - | -0.02 | -0.19 | -0.02 | -0.38 |
Financing Cash Flow | 38.84 | 144.8 | 178.82 | 26.67 | -648.66 |
Net Cash Flow
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 |
Net Cash Flow | 129.19 | 19.4 | -7.66 | -43.68 | 54.35 |
Free Cash Flow
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 |
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 Margin | 719.77% | 464.19% | 590.45% | 694.28% | 777.87% |
Free Cash Flow Per Share | 69.01 | 84.74 | 97.61 | 102.40 | 118.46 |