BayFirst Financial Corp. (BAFN)

BayFirst Financial Cash Flow Statement

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

Operating Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	-58.74	-22.94	12.6	5.7	-0.35	24.62
Depreciation & Amortization	8	9.12	8.72	6.75	4.97	4.33
Other Amortization	-0.34	0.01	0.01	0.01	0.01	0.04
Gain (Loss) on Sale of Assets	0.24	-0.31	-11.64	-0.36	-	-
Gain (Loss) on Sale of Investments	1.51	0.04	0.11	0.1	0.12	0.1
Total Asset Writedown	2.67	1.42	-	-	-	-
Provision for Credit Losses	54.56	25.66	4.88	-5.27	-5.46	-3.68
Net Decrease (Increase) in Loans Originated / Sold - Operating	152.51	298.16	403.37	479.75	352.09	392.97
Accrued Interest Receivable	1.65	0.73	-2.03	-2.68	-0.92	3.72
Change in Other Net Operating Assets	0.31	-6.19	5.75	-4.36	1.57	-4.61
Other Operating Activities	-19.1	-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	143.19	285.3	390.53	454.8	440.25	495.39
Operating Cash Flow Growth	-56.28%	-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	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Capital Expenditures	-0.14	-0.3	-1.69	-7.58	-8.06	-13.12
Sale of Property, Plant and Equipment	-	-	14.75	-	-	-
Investment in Securities	6.11	10.54	5.58	6.42	-23.53	-31.53
Net Decrease (Increase) in Loans Originated / Sold - Investing	54.81	-205.26	-535.21	-641.69	-423.95	264.72
Other Investing Activities	0.05	-0.07	0.24	-0.73	-55.06	-12.47
Investing Cash Flow	60.82	-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	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Short-Term Debt Issued	-	-	-	-	25	6
Total Debt Issued	-40	-	-	-	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	-0.46	-0.34	-10.46	-15.51	-70.11	-818.06
Net Debt Issued (Repaid)	-40.46	-0.34	-10.46	-15.51	-45.11	-812.06
Issuance of Common Stock	0.26	0.24	0.05	0.29	0.58	2.22
Repurchase of Common Stock	-	-0.34	-	-0.01	-0.05	-
Preferred Stock Issued	74.51	-	-	6.45	-	0.73
Common Dividends Paid	-	-0.66	-1.32	-1.31	-1.29	-1.06
Preferred Dividends Paid	-1.54	-0.77	-1.54	-0.97	-0.83	-1.01
Total Dividends Paid	-1.54	-1.43	-2.86	-2.28	-2.12	-2.06
Net Increase (Decrease) in Deposit Accounts	-174.92	40.71	158.09	190.07	73.39	162.9
Other Financing Activities	0.01	-	-0.02	-0.19	-0.02	-0.38
Financing Cash Flow	-142.14	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	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Cash Flow	61.87	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	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Free Cash Flow	143.05	285	388.84	447.22	432.19	482.27
Free Cash Flow Growth	-56.25%	-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	34.76	69.01	84.74	97.61	102.40	118.46

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash Interest Paid	35.65	39.91	44.63	31.91	8.19	8.97
Cash Income Tax Paid	0.03	5.3	0.01	0.1	0.25	10.38

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: May 12, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Aug 25, 2026

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