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Stocks · Financials · State Commercial Banks

BayFirst Financial Corp.

BAFN Clue Score32
United States Fiscal year ends December CIK 0001649739
$4.96 -7.81% Close, 12 Oct 2026
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Price $4.96 −82.98% Close, 12 Oct 2026

Closing prices at the end of each trading day, from 20 Nov 2019. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
Net income
Fiscal year 2020Net income12.7EPS, diluted3.01Fiscal year 2021Net income24.6 +93.8%EPS, diluted5.91 +96.3%Fiscal year 2022Net income−0.3 −101.4%EPS, diluted−0.22 −103.7%Fiscal year 2023Net income5.7EPS, diluted1.12Fiscal year 2024Net income10.2 +78.7%EPS, diluted2.09 +86.6%Fiscal year 2025Net income−24.6 −341.1%EPS, diluted−6.32 −402.4%
FY2020FY2021FY2022FY2023FY2024FY2025
Net income 12.7 24.6 −0.3 5.7 10.2 −24.6
Growth +93.8% −101.4% +78.7% −341.1%
EPS, diluted 3.01 5.91 −0.22 1.12 2.09 −6.32
Growth +96.3% −103.7% +86.6% −402.4%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2020Operating cash flow−107.8Capital expenditure−3.0Free cash flow−110.9Dividends paid−0.9Fiscal year 2021Operating cash flow495.4Capital expenditure−13.1Free cash flow482.3Buybacks0.0Dividends paid−1.1Fiscal year 2022Operating cash flow440.3Capital expenditure−8.1Free cash flow432.2 −10.4%Buybacks−0.0Dividends paid−1.3Fiscal year 2023Operating cash flow454.8Capital expenditure−7.6Free cash flow447.2 +3.5%Buybacks−0.0Dividends paid−1.3Fiscal year 2024Operating cash flow393.4Capital expenditure−1.7Free cash flow391.7 −12.4%Buybacks0.0Dividends paid−1.3Fiscal year 2025Operating cash flow288.8Capital expenditure−0.3Free cash flow288.5 −26.3%Buybacks−0.3Dividends paid−0.7
FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow −107.8 495.4 440.3 454.8 393.4 288.8
Capital expenditure −3.0 −13.1 −8.1 −7.6 −1.7 −0.3
Free cash flow −110.9 482.3 432.2 447.2 391.7 288.5
Growth −10.4% +3.5% −12.4% −26.3%
Buybacks n/a 0.0 −0.0 −0.0 0.0 −0.3
Dividends paid −0.9 −1.1 −1.3 −1.3 −1.3 −0.7

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
Cash
Fiscal year 2020Cash55.4Shareholders’ equity71.1Fiscal year 2021Cash109.7Shareholders’ equity96.3Fiscal year 2022Cash66.0Shareholders’ equity91.9Fiscal year 2023Cash58.4Shareholders’ equity98.8Fiscal year 2024Cash77.8Shareholders’ equity106.6Fiscal year 2025Cash207.0Shareholders’ equity81.6
FY2020FY2021FY2022FY2023FY2024FY2025
Cash 55.4 109.7 66.0 58.4 77.8 207.0
Shareholders’ equity 71.1 96.3 91.9 98.8 106.6 81.6

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Spending
19.5% 23.0% 22.2% 26.4% 25.5% n/a
Returns
17.9% 25.6% −0.4% 5.8% 9.6% −30.1%
0.8% 2.7% −0.0% 0.5% 0.8% −1.9%
Balance and payout
95.4% 89.5% 90.2% 91.0% 91.7% 93.7%
7.2% 4.3% n/a 23.0% 13.0% n/a
n/a 0.2% 0.3% 0.3% 0.3% 0.3%