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 Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
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 |
Interest Income on Loans | 66.57 | 81.24 | 78.83 | 63.19 | 36.49 | 43.26 |
Interest Income on Investments | 5.99 | 4.55 | 3.98 | 5.33 | 2.07 | 0.57 |
Total Interest Income | 72.56 | 85.79 | 82.81 | 68.52 | 38.57 | 43.83 |
Interest Paid on Deposits | 30.68 | 37.74 | 42.87 | 30.8 | 7.84 | 4.89 |
Interest Paid on Borrowings | 0.67 | 2.27 | 1.91 | 1.29 | 0.72 | 2.42 |
Total Interest Expense | 31.35 | 40.01 | 44.78 | 32.09 | 8.57 | 7.3 |
Net Interest Income | 41.22 | 45.79 | 38.03 | 36.43 | 30 | 36.53 |
Net Interest Income Growth | -7.73% | 20.40% | 4.38% | 21.44% | -17.87% | 9.19% |
Gain (Loss) on Sale of Assets | -0.02 | - | 11.65 | - | - | - |
Other Non-Interest Income | -3.6 | 6.68 | 20.57 | 25.2 | 9.83 | 3.95 |
Total Non-Interest Income | -4.38 | 18.4 | 60.47 | 49.76 | 31.55 | 21.97 |
Non-Interest Income Growth | - | -69.58% | 21.53% | 57.70% | 43.59% | -77.51% |
Revenues Before Loan Losses | 36.84 | 64.18 | 98.5 | 86.19 | 61.55 | 58.5 |
Provision for Loan Losses | 33.57 | 24.59 | 14.73 | 10.45 | -0.7 | -3.5 |
| 3.28 | 39.6 | 83.77 | 75.74 | 62.25 | 62 | |
Revenue Growth | -94.28% | -52.73% | 10.60% | 21.67% | 0.40% | -45.73% |
Salaries and Employee Benefits | 20.84 | 28.98 | 35.05 | 35.94 | 28.9 | 27.09 |
Occupancy Expenses | 2.95 | 3.66 | 3.91 | 3.78 | 2.08 | 1.06 |
Federal Deposit Insurance | 2.4 | 1.87 | 1.25 | 0.88 | 0.46 | 0.44 |
Selling, General & Administrative | 15.45 | 17.12 | 16.26 | 16.52 | 16.64 | 16.77 |
Other Non-Interest Expense | 15.59 | 11.52 | 10.31 | 10.59 | 7.14 | 4.92 |
Total Non-Interest Expense | 57.23 | 63.14 | 66.78 | 67.71 | 55.21 | 50.28 |
EBT Excluding Unusual Items | -53.95 | -23.55 | 16.99 | 8.03 | 7.04 | 11.72 |
Pretax Income | -53.97 | -30.83 | 16.99 | 8.03 | 7.04 | 11.72 |
Income Tax Expense | -13.63 | -7.89 | 4.32 | 2.12 | 1.56 | 2.69 |
Earnings From Continuing Operations | -40.34 | -22.94 | 12.67 | 5.92 | 5.48 | 9.03 |
Earnings From Discontinued Operations | - | - | -0.07 | -0.21 | -5.83 | 15.59 |
Net Income | -40.34 | -22.94 | 12.6 | 5.7 | -0.35 | 24.62 |
Preferred Dividends & Other Adjustments | 1.43 | 1.54 | 1.54 | 0.97 | 0.83 | 1.01 |
Net Income to Common | -41.77 | -24.48 | 11.06 | 4.74 | -1.18 | 23.61 |
Net Income Growth | - | - | 133.52% | - | - | 99.43% |
Basic Shares Outstanding | 9 | 4 | 4 | 4 | 4 | 4 |
Diluted Shares Outstanding | 9 | 4 | 5 | 5 | 4 | 4 |
Shares Change | 119.38% | -10.00% | 0.15% | 8.56% | 3.67% | 1.75% |
EPS (Basic) | -4.60 | -5.93 | 2.68 | 1.16 | -0.29 | 6.21 |
EPS (Diluted) | -4.61 | -5.93 | 2.62 | 1.12 | -0.29 | 5.91 |
EPS Growth | - | - | 134.31% | - | - | 96.48% |
Additional Metrics
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 |
Dividend Per Share | - | 0.160 | 0.240 | 0.320 | 0.320 | 0.277 |
Dividend Growth | - | -33.33% | -25.00% | 0% | 15.52% | 55.01% |
Effective Tax Rate | - | - | 25.40% | 26.38% | 22.17% | 22.96% |