BayFirst Financial Corp. (BAFN)
NASDAQ: BAFN · Real-Time Price · USD
6.34
-0.46 (-6.76%)
At close: Aug 7, 2026, 4:00 PM EDT
6.31
-0.03 (-0.47%)
After-hours: Aug 7, 2026, 4:10 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 | 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 Income | -28.28 | -22.94 | 12.6 | 5.7 | -0.35 | 24.62 |
Depreciation & Amortization | 9.56 | 10.25 | 9.56 | 7.45 | 5.3 | 4.38 |
Provision for Credit Losses | 23.26 | 24.59 | 14.73 | 10.45 | -0.7 | -3.5 |
Stock-Based Compensation | 0.19 | 0.12 | 0.42 | 0.63 | 0.85 | 0.52 |
Net Change in Loans Held-for-Sale | 222.27 | 298.16 | 403.37 | 479.75 | 352.09 | 392.97 |
Other Adjustments | -7.72 | -19.53 | -53.75 | -42.14 | -29.33 | -16.99 |
Changes in Accrued Interest and Accounts Receivable | 1.47 | 0.73 | -2.03 | -2.68 | -0.92 | 3.72 |
Changes in Accounts Payable | -0.1 | 0.1 | 0.15 | 0.18 | 0.38 | -1.67 |
Changes in Other Operating Activities | -2.53 | -6.19 | 5.75 | -4.36 | 1.57 | -4.61 |
Operating Cash Flow | 207.93 | 285.3 | 390.53 | 454.8 | 440.25 | 495.39 |
Operating Cash Flow Growth | -39.05% | -26.95% | -14.13% | 3.30% | -11.13% | - |
Investing Activities
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 Change in Short-Term Interbank Lending and Reverse Repurchase Agreements | 2.03 | 2.27 | 2.38 | 0.24 | -2.5 | - |
Net Change in Loans Held-for-Investment | -84.52 | -205.26 | -535.21 | -641.69 | -477.8 | 264.72 |
Net Change in Securities and Investments | -4.45 | 8.14 | 3.45 | 5.45 | -22.24 | -31.99 |
Capital Expenditures | -0.23 | -0.3 | -1.69 | -7.58 | -8.06 | -13.12 |
Sale of Property, Plant & Equipment | - | - | 14.75 | - | - | - |
Other Investing Activities | 0.06 | 0.21 | 0.39 | 2.31 | - | -12 |
Investing Cash Flow | -73.42 | -194.94 | -515.93 | -641.28 | -510.61 | 207.62 |
Financing Activities
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 Change in Deposits | -42.4 | 40.71 | 158.09 | 190.07 | 73.39 | 162.9 |
Short-Term Debt Repaid | -0.34 | -0.34 | -0.46 | -0.46 | -70.11 | -812.06 |
Net Short-Term Debt Issued (Repaid) | -20 | -0.34 | -10 | -15 | 25 | -812.06 |
Long-Term Debt Issued | - | - | - | - | - | 6 |
Long-Term Debt Repaid | - | - | - | -0.05 | - | -6 |
Net Long-Term Debt Issued (Repaid) | - | - | - | -0.05 | - | 0 |
Issuance of Common Stock | 0.07 | 0.05 | -0.02 | 0.29 | 0.51 | 1.85 |
Repurchase of Common Stock | - | -0.34 | - | -0.01 | -0.05 | - |
Net Common Stock Issued (Repurchased) | 0.07 | -0.29 | -0.02 | 0.28 | 0.46 | 1.85 |
Issuance of Preferred Stock | - | - | - | 6.45 | - | 0.73 |
Net Preferred Stock Issued (Repurchased) | - | - | - | 6.45 | - | 0.73 |
Common Dividends Paid | -0.33 | -0.66 | -1.32 | -1.31 | -1.29 | -1.06 |
Preferred Share Dividends Paid | -0.39 | -0.77 | -1.54 | -0.97 | -0.83 | -1.01 |
Other Financing Activities | - | 0.19 | 0.05 | -0.19 | 0.06 | -0.01 |
Financing Cash Flow | -63.19 | 38.84 | 144.8 | 178.82 | 26.67 | -648.66 |
Net Cash Flow
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 Cash Flow | 71.31 | 129.19 | 19.4 | -7.66 | -43.68 | 54.35 |
Free Cash Flow
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 |
Free Cash Flow | 207.69 | 285 | 388.84 | 447.22 | 432.19 | 482.27 |
Free Cash Flow Growth | -38.99% | -26.71% | -13.05% | 3.48% | -10.38% | - |
FCF Margin | 786.98% | 719.77% | 464.19% | 590.45% | 694.28% | 777.87% |
Free Cash Flow Per Share | 50.39 | 69.01 | 84.74 | 97.61 | 102.40 | 118.46 |