Saturday 17 October 2026
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BayFirst Financial Corp.
BAFN Financial Banks Regional
BayFirst Financial Corp.’s revenue for fiscal 2025 (year ended December 2025) was $104.2 million, down 27.3% from fiscal 2024. In the quarter to June 2026, revenue fell 70.9%, EPS fell 1,964.1%, free cash flow fell 99.5% and total debt fell 84.9%, each against the same quarter a year earlier. Dividend growth for five consecutive years.
6.20
0.14
−2.21%
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| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | Dec '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
0.00 | 4.96 | 11.25 | 0.00 | 3.55 | 4.00 | 4.00 | 4.00 | 4.00 | 4.00 |
Piotroski F-Score |
4 | 7 | 6 | 4 | 5 | — | — | — | — | — |
P/S ratio |
0.31 | 0.38 | 0.45 | 0.96 | 1.32 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
P/FCF ratio |
0.11 | 0.14 | 0.12 | 0.16 | 0.18 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
P/Operating CF |
0.32 | 0.56 | 0.42 | 0.43 | 0.24 | (1.05) | (0.74) | (0.74) | (0.74) | (0.74) |
P/B ratio |
0.49 | 0.58 | 0.63 | 0.82 | 1.00 | 0.86 | 0.90 | 0.90 | 0.90 | 0.90 |
Price to Tangible BV |
0.61 | 0.70 | 0.76 | 0.94 | 1.07 | 0.86 | 0.90 | 0.90 | 0.90 | 0.90 |
EV/Sales |
(1.60) | (0.12) | 0.07 | 0.43 | (0.25) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
(0.59) | (0.04) | 0.02 | 0.07 | (0.03) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/FCF |
(0.59) | (0.04) | 0.02 | 0.07 | (0.03) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Quick Ratio |
0.17 | 0.07 | 0.06 | 0.09 | 0.14 | 0.04 | — | — | — | — |
Current Ratio |
0.97 | 0.99 | 0.98 | 0.98 | 0.85 | 1.01 | — | — | — | — |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | — | — |
Debt/Assets |
0.58% | 0.61% | 1.64% | 3.60% | 1.01% | 0.63% | 4.66% | 3.79% | 0.00% | 0.00% |
Debt/Equity |
0.09 | 0.07 | 0.18 | 0.37 | 0.10 | 0.14 | 0.49 | 0.37 | 0.00 | 0.00 |
Asset Turnover |
0.08 | 0.12 | 0.12 | 0.08 | 0.05 | 0.14 | 0.16 | 0.15 | 0.18 | 0.10 |
Operating CF/Net income |
(11.66) | 35.30 | 96.01 | (372.78) | 20.98 | (9.11) | (9.07) | 21.88 | 0.00 | 0.00 |
Capex/Depreciation |
(0.03) | 1.37 | (1.02) | (1.52) | (2.99) | (1.13) | — | — | — | — |
| (29.31%) | 12.28% | 5.65% | (1.39%) | 32.93% | 23.59% | 10.18% | (3.60%) | 22.80% | 17.64% | |
| (1.89%) | 0.92% | 0.46% | (0.13%) | 1.92% | 1.14% | 0.89% | (0.38%) | 2.65% | 2.05% | |
ROIC |
0.00% | 27.40% | 8.96% | 8.03% | 0.00% | 42.85% | 0.00% | 0.00% | 0.00% | 0.00% |
Return on Tangible Assets |
723.99% | 58.74% | 29.13% | (5.26%) | (25.24%) | 39.76% | 21.16% | (10.97%) | 0.00% | 0.00% |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
84.20% | 56.89% | 66.08% | 77.75% | 71.09% | 81.58% | 0.00% | 0.00% | 0.00% | 0.00% |
Intangible Assets out of Total Assets |
0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
0.10% | 0.28% | 0.53% | 1.09% | 0.70% | 0.42% | 0.00% | 0.00% | 0.00% | 0.00% |
Graham Net Nets |
(1.95) | (0.68) | (0.83) | (0.77) | (1.65) | (30.87) | 0.00 | 0.00 | 0.00 | 0.00 |
Graham Number |
0.00 | 37.27 | 23.26 | 0.00 | 57.44 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Earnings Yield |
(75.29%) | 20.15% | 8.89% | (0.84%) | 28.15% | 25.00% | 25.00% | 25.00% | 25.00% | 25.00% |
Free Cash Flow Yield |
879.12% | 734.20% | 835.82% | 641.70% | 556.95% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Revenue per Share |
25.23 | 34.67 | 28.85 | 17.44 | 17.30 | 41.22 | 22.58 | 16.25 | 42.90 | 23.47 |
Operating CF per Share |
69.08 | 94.49 | 110.92 | 109.49 | 130.27 | (31.43) | (11.50) | (9.29) | 0.00 | 0.00 |
Capex per Share |
(0.07) | 3.16 | (1.85) | (2.01) | (3.45) | (0.89) | 0.00 | 0.00 | 0.00 | 0.00 |
Free Cash Flow per Share |
69.01 | 97.65 | 109.07 | 107.49 | 126.82 | (32.32) | (11.50) | (9.29) | 0.00 | 0.00 |
Cash per Share |
50.12 | 19.37 | 15.37 | 17.64 | 29.48 | 16.84 | 0.00 | 0.00 | 0.00 | 0.00 |
Shareholders Equity per Share |
21.20 | 26.84 | 24.56 | 22.85 | 25.32 | 20.72 | 16.08 | 13.38 | 37.83 | 18.91 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
21.20 | 26.84 | 24.56 | 22.85 | 25.32 | 20.72 | 16.08 | 13.38 | 37.83 | 18.91 |
Free Cash Flow |
285.00 | 403.59 | 447.22 | 432.19 | 482.27 | (110.87) | (36.47) | (26.39) | — | — |
Working Capital |
(34.57) | (14.42) | (22.61) | (12.99) | (122.65) | 11.67 | — | — | — | — |
Capital Expenditures |
(0.30) | 13.06 | (7.58) | (8.06) | (13.11) | (3.05) | (7.31) | (4.79) | — | — |
Net Current Asset Value |
(55.39) | (37.12) | (44.67) | (52.03) | (142.82) | (1.96) | (486.00) | (331.00) | (198.00) | (119.00) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.00 | (0.09) | 0.06 | 0.12 | 0.20 | 0.02 | 0.00 | 0.00 | 0.00 | 0.00 |
Price to Operating Income |
0.00 | 3.24 | 6.66 | 9.57 | 7.39 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.37 | 0.29 | 0.19 | 0.15 | 0.15 | 0.15 | 0.00 | 0.00 | — | — |
Cash ROIC |
94.34% | 202.94% | 245.62% | 219.78% | 221.55% | (80.03%) | (47.99%) | (50.75%) | 0.00% | 0.00% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.03 | 0.04 | 0.04 | 0.01 | 0.01 | 0.00 | — | — | — | — |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | — | — | — | — |
Average Days of Payables |
10,801.00 | 9,317.58 | 11,206.61 | 33,878.19 | 36,084.25 | 19,843.95 | — | — | — | — |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | — | — | — | — |
Average Payables |
1,163.58 | 1,064.18 | 890.10 | 758.38 | 640.23 | — | — | — | — | — |
Average Assets |
1,294.28 | 1,203.03 | 1,028.33 | 928.00 | 1,230.89 | 1,040.85 | 453.00 | 315.00 | 206.50 | 206.50 |
Average Common Equity |
83.51 | 90.08 | 83.79 | 84.80 | 71.70 | 50.20 | 39.50 | 33.50 | 24.00 | 24.00 |
Columns are period end dates