BayFirst Financial Corp. is a bank holding company, which engages in the provision of banking services. The company is headquartered in St. Petersburg, Florida and currently employs 144 full-time employees. The company went IPO on 2015-07-23. The Bank operates about 12 full-service banking offices throughout the Tampa Bay region and offers a range of commercial and consumer banking services to businesses and individuals. The Bank offers its products and services through its Community Banking Division and its government guaranteed lending division. The Bank also has an advanced technology platform for its small business administration (SBA) 7(a) Small Loan Program that enables the Bank to utilize and support technology-enabled banking products and services as well as various financial technology applications. The Bank offers specialized business and personal checking accounts, internet banking and online bill payment, lock box services, remote capture and deposit, cash management, wire transfers, safety deposit boxes, courier services, retail investment services, among other services.
Financials in millions USD. Fiscal year is February - January.
Breakdown
TTM
12/31/2025
09/30/2025
06/30/2025
03/31/2025
12/31/2024
Revenue
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Revenue Growth (YoY)
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Cost of Revenue
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Gross Profit
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Selling, General & Admin
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Research & Development
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Operating Expenses
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Other Non Operating Income (Expenses)
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Pretax Income
-30
-2
-25
-1
0
13
Income Tax Expense
-7
0
-6
0
0
3
Net Income
-24
-2
-19
-1
0
9
Net Income Growth
-318%
-122%
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800%
Shares Outstanding (Diluted)
4.11
4.11
4.13
4.13
4.14
5.95
Shares Change (YoY)
-31%
-31%
0%
0%
0%
-1%
EPS (Diluted)
-5.95
-0.69
-4.66
-0.39
-0.17
1.57
EPS Growth
-422%
-144%
-2,691%
-426.99%
-245%
618%
Free Cash Flow
284
100
47
63
74
98
Free Cash Flow Per Share
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Gross Margin
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Operating Margin
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Profit Margin
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Free Cash Flow Margin
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EBITDA
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EBITDA Margin
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D&A For EBITDA
9
2
2
2
2
2
EBIT
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EBIT Margin
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Effective Tax Rate
23.33%
0%
24%
0%
0%
23.07%
Follow-Up Questions
What are Bayfirst Financial Corp's key financial statements?
According to the latest financial statement (Form-10K), Bayfirst Financial Corp has a total asset of $0, Net loss of $0
What are the key financial ratios for BAFN?
Bayfirst Financial Corp's Current ratio is 0, has a Net margin is 0, sales per share of $0.
How is Bayfirst Financial Corp's revenue broken down by segment or geography?
Bayfirst Financial Corp largest revenue segment is Banking and Related Activities, at a revenue of 64,181,000 in the most earnings release.For geography, United States is the primary market for Bayfirst Financial Corp, at a revenue of 64,181,000.
Is Bayfirst Financial Corp profitable?
no, according to the latest financial statements, Bayfirst Financial Corp has a net loss of $0
Does Bayfirst Financial Corp have any liabilities?
no, Bayfirst Financial Corp has liability of 0
How many outstanding shares for Bayfirst Financial Corp?
Bayfirst Financial Corp has a total outstanding shares of 0