BayFirst Financial Corp.
BAFN Nasdaq· State Commercial Banks
Last close · Oct 26, 2026
$6.57
KIRA · Stoqly’s AI analyst, in plain words
- BayFirst Financial Corp. had $63.1M of revenue in fiscal 2025, down 34.3% on the year before. Over five years, revenue changed −13.6% a year on average.
- BayFirst Financial Corp. lost $24.6M in fiscal 2025.
- BayFirst Financial Corp. returned $1.0M to shareholders in fiscal 2025, 0% of free cash flow. The diluted share count fell 0.1%.
- It earned −26.1% on shareholders’ money. Running costs took 111.7% of revenue (the efficiency ratio; lower is better).
Market cap
$27.0M
P/E
—
Revenue
$63.1M
Net income
−$24.6M
Return on equity
−26.1%
Efficiency ratio
111.7%
BayFirst Financial Corp. in 30 seconds · fiscal 2025
Are sales growing?
−34.3%
No. Sales fell 34.3% last year.
Does it make a profit?
−39.0%
No. It lost money last year.
How lean are its costs?
111.7%
Costly. Running costs take 111.7% of revenue.
How much does it earn on its capital?
−26.1%
Low. It earns −26.1% a year on shareholders’ money.
How is the share priced?
—
No P/E: it made no profit over the last four quarters.
What BayFirst Financial Corp. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 27, 2026
- Legal name
- BayFirst Financial Corp.
- CIK
- 0001649739
BayFirst Financial Corp. · BAFN
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $58.5M | $61.6M | $86.2M | $96.0M | $63.1M |
| Revenue growth | −55.4% | 5.2% | 40.0% | 11.3% | −34.3% |
| Net interest income | $36.5M | $30.0M | $36.4M | $37.1M | $45.2M |
| Net income | $24.6M | −$0.3M | $5.7M | $10.2M | −$24.6M |
| Net margin | 42.1% | −0.6% | 6.6% | 10.6% | −39.0% |
| Diluted EPS | $5.91 | −$0.22 | $1.12 | $2.09 | −$6.32 |
| Cash | |||||
| Cash from operations | $495M | $440M | $455M | $393M | $289M |
| Capital expenditure | $13.1M | $8.1M | $7.6M | $1.7M | $0.3M |
| Free cash flow | $482M | $432M | $447M | $392M | $289M |
| FCF margin | 824.4% | 702.2% | 518.9% | 408.2% | 457.6% |
| Dividends paid | $1.1M | $1.3M | $1.3M | $1.3M | $0.7M |
| Share buybacks | $0.0M | $0.0M | $0.0M | $0.0M | $0.3M |
| Share count change | 1.7% | 3.7% | 8.6% | −9.8% | −0.1% |
| Debt and strength | |||||
| Cash and short-term investments | $110M | $66.0M | $58.4M | $77.8M | $207M |
| Loans, net | $561M | $693M | $811M | $986M | $882M |
| Deposits | $722M | $795M | $985M | $1.1B | $1.2B |
| Shareholders' equity | $96.3M | $91.9M | $98.8M | $107M | $81.6M |
| Returns and quality | |||||
| Return on equity | 29.4% | −0.4% | 6.0% | 9.9% | −26.1% |
| Return on tangible equity | 24.5% | −1.3% | 4.8% | 8.1% | −32.0% |
| Efficiency ratio | 85.9% | 89.7% | 78.6% | 69.6% | 111.7% |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
BayFirst Financial Corp. · BAFN
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $6.57 a share, the company is worth $27.0M.
Source: SEC EDGAR XBRL filings (CIK 0001649739). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.