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BayFirst Financial

(NASDAQ) BAFN

Current Price$6.42
Market Cap$26.09M
Since IPO (2019)-58%
5 Year-65%
1 Year-62%
1 Month-4%

BayFirst Financial Financials at a Glance

Market Cap

$26.09M

Revenue (TTM)

$97.32M

Net Income (TTM)

$22.94M

EPS (TTM)

$-5.92

P/E Ratio

-1.07

Dividend

$0.08

Beta (Volatility)

0.22 (Low)

Price

$6.42

Volume

125

Open

$6.35

Previous Close

$6.35

Daily Range

$6.33 - $6.44

52-Week Range

$4.80 - $17.60

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About BayFirst Financial

Industry

Banks

Employees

144

CEO

Thomas Gerard Zernick

Headquarters

Saint Petersburg, FL 33701, US

BAFN Financials

Key Financial Metrics (TTM)

Gross Margin

34%

Operating Margin

-32%

Net Income Margin

-24%

Return on Equity

-23%

Return on Capital

-2%

Return on Assets

-2%

Earnings Yield

-93.46%

Dividend Yield

0.01%

Payout Ratio

-6.25%

Stock Overview

Market Cap

$26.09M

Shares Outstanding

4.11M

Volume

125

Short Interest

0.00%

Avg. Volume

17.05K

Financials (TTM)

Gross Profit

$39.59M

Operating Income

$30.83M

EBITDA

$30.83M

Operating Cash Flow

$285.30M

Capital Expenditure

$300.00K

Free Cash Flow

$285.00M

Cash & ST Invst.

$34.49M

Total Debt

$20.82M

BayFirst Financial Performance Analysis

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q4 2025YOY CHG

Revenue

$20.85M

-34.1%

Gross Profit

$9.05M

-43.4%

Gross Margin

43.40%

N/A

Market Cap

$26.09M

N/A

Market Cap/Employee

$85.53K

N/A

Employees

305

N/A

Net Income

$2.46M

-125.2%

EBITDA

$2.82M

-118.2%

Quarterly Fundamentals

Name
Q4 2025YOY CHG

Net Cash

$13.67M

-79.5%

Accounts Receivable

$8.42M

-8.0%

Inventory

$0.00

N/A

Long Term Debt

$20.82M

-7.1%

Short Term Debt

$0.00

N/A

Return on Assets

-1.76%

N/A

Return on Invested Capital

-2.38%

N/A

Free Cash Flow

$211.28M

+116.7%

Operating Cash Flow

$211.62M

+117.1%

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Questions About BAFN

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