BayFirst Financial Corp.

BAFN

BayFirst Financial Corp.

BAFN

Insider Sentiment (TTM):

Last Purchase:2025-05-01Last Sale:2025-05-15Shares Purchased (TTM):0Shares Sold (TTM):0

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:614,927Shares Outstanding:4,108,071Institutional Ownership Pct.:14.97%

Earnings Market Reaction:

Filing Date:2026-05-12Price on Filing Date:N/APrevious Close:N/A% Change:N/A

Companies in State Commercial Banks

FFIC TYFG BNY FITB STT MTB

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30
Government Guaranteed Loans	-	-	-	-	-	-	-	-	-	-	1	0
Government Guaranteed Loans Held For Sale	-	-	94	-	-	-	1	-	2	-	-	-
Series B Preferred Stock	0	0	0	-3	3	0	0	0	3	0	0	0
Series C Preferred Stock	0	0	0	-6	6	0	0	0	6	0	2	0
Cash And Due From Banks	7	5	5	6	7	4	5	4	4	4	5	5
Interest Bearing Deposits In Banks	128	202	113	71	57	73	60	57	53	54	108	99
Cash And Cash Equivalents At Carrying Value	134	207	119	77	63	78	64	61	58	58	113	104
Debt Securities Available For Sale Excluding Accru…	29	29	30	30	36	36	38	39	43	40	40	41
Debt Securities Held To Maturity Excluding Accrued…	2	2	2	2	2	2	2	2	2	2	2	2
Loans Receivable Fair Value Disclosure	52	54	62	91	58	61	0	8	78	92	84	52
Financing Receivable Excluding Accrued Interest Be…	879	910	937	1,035	1,027	1,006	956	-	-	824	-	-
Financing Receivable Allowance For Credit Loss Exc…	-21	-22	-24	-17	-17	-16	-14	-14	-14	-13	-13	13
Assets
Assets	1,196	1,300	1,346	1,344	1,292	1,288	1,245	1,218	1,144	1,118	1,134	1,087
Financing Receivable Excluding Accrued Interest Af…	858	888	912	1,018	1,010	990	942	908	843	811	781	772
Financing Receivable Accrued Interest Before Allow…	8	8	9	9	9	9	9	8	8	7	7	6
Servicing Asset At Amortized Value	11	13	16	16	16	17	16	16	16	15	14	13
Deferred Income Tax Assets Net	8	7	6	-	-	0	-	-	-	0	0	1
Operating Lease Right Of Use Asset	14	15	15	15	15	16	2	2	2	2	3	3
Bank Owned Life Insurance	27	27	27	27	27	27	26	26	26	26	26	25
Other Real Estate	0	0	0	0	0	0	-	2	-	0	-	-
Assets Of Disposal Group Including Discontinued Op…	-	-	-	-	-	0	0	0	0	0	0	0
Other Assets	16	14	14	17	13	12	13	19	19	16	15	16
Liabilities And Stockhold…
Deposits Money Market Deposits	-	-	-	-	-	-	-	-	-	-	350	402
Noninterest Bearing Deposit Liabilities	111	96	106	110	106	102	96	94	97	94	98	101
Interest Bearing Deposit Liabilities	154	231	210	238	261	257	248	236	250	259	267	253
Time Deposits	388	402	376	323	293	310	313	292	268	259	302	189
Deposits	1,086	1,184	1,171	1,164	1,128	1,143	1,112	1,042	1,007	985	1,018	945
Advances From Federal Home Loan Banks	-	-	50	40	20	0	10	55	15	10	0	30
Liabilities
Liabilities	1,114	1,213	1,256	1,236	1,182	1,177	1,143	1,117	1,044	1,017	1,040	996
Subordinated Debt	6	6	6	6	6	6	6	6	6	6	6	6
Notes Payable	1	2	2	2	2	2	2	2	2	2	3	3
Interest Payable Current And Noncurrent	1	1	1	1	1	1	1	1	2	1	1	1
Deferred Income Tax Liabilities Net	-	0	0	1	1	0	1	1	1	0	-	-
Accrued Liabilities And Other Liabilities	7	7	13	8	10	10	8	7	7	9	9	8
Liabilities Of Disposal Group Including Discontinu…	-	-	-	-	-	0	0	0	1	1	1	1
Stockholders Equity Inclu…
Common Stocks Including Additional Paid In Capital	54	54	55	55	55	55	55	55	55	55	55	54
Accumulated Other Comprehensive Income Loss Net Of…	-2	-2	-2	-2	-2	-3	-2	-3	-3	-3	-4	-3
Deferred Compensation Equity	-0	-0	-1	-1	-1	-1	-1	-1	-1	-1	-1	-1
Retained Earnings Accumulated Deficit	14	20	22	41	43	44	35	35	35	34	33	32
Stockholders Equity	82	88	90	108	110	111	102	101	101	101	94	91
Liabilities And Stockholders Equity	1,196	1,300	1,346	1,344	1,292	1,288	1,245	1,218	1,144	1,118	1,134	1,087
Series A Preferred Stock	0	0	0	-6	6	0	0	0	6	0	0	0
Debt Securities Available For Sale Amortized Cost …	31	32	33	33	40	40	41	43	47	44	45	46
Debt Securities Held To Maturity Allowance For Cre…	0	0	0	0	0	0	0	0	0	0	0	0
Held To Maturity Securities Fair Value	2	2	2	2	2	2	2	2	2	2	2	2
Common Stock Shares Authorized	15	15	15	15	15	15	15	15	15	15	15	15
Common Stock Shares Issued	4	4	4	4	4	4	4	4	4	4	4	4
Shares Outstanding	4	4	4	4	4	4	4	4	4	4	4	4

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10‑Q10‑K

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	-22.30%	-22.45%	-4.60%	-	-	-	-	-	-	-	-	-
2025	-0.51%	-5.55%	-15.43%	-12.32%	1.07%	-13.30%	-3.03%	-4.61%	-17.45%	23.34%	2.37%	-20.03%
2024	-9.14%	-4.61%	1.44%	4.53%	2.52%	3.99%	-3.06%	-3.95%	12.91%	-24.40%	-19.68%	-18.95%
2023	0.55%	-8.33%	-0.77%	1.85%	-20.83%	-30.17%	15.83%	34.92%	42.56%	-1.47%	-4.63%	-12.89%
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Performance and Valuation Metrics

Metrics	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30
Leverage & Debt
Interest Coverage TTM	-1.89	-1.71	-1.37	-0.75	-0.66	-0.09	0.18	0.69	1.19	1.21	1.31	1.26
Per Share Metrics
Diluted EPS TTM	-7.26	-5.93	-3.05	1.89	2.39	2.41	0.85	1.04	1.17	1.03	1.38	0.58
Free Cash Flow Per Share TTM	50.56	69.01	68.18	78.69	82.19	94.07	100.92	111.59	122.85	109.07	115.72	114.06
Dividend Per Share TTM	0.08	0.16	0.24	0.32	0.32	0.32	0.32	0.32	0.32	0.32	0.32	0.32
Margin Metrics
Gross Profit Margin TTM	53.59%	53.37%	52.29%	50.30%	47.78%	45.92%	38.86%	39.42%	42.10%	45.58%	58.10%	66.08%
Operating Profit Margin TTM	-46.03%	-35.93%	-17.28%	14.44%	18.20%	20.51%	7.89%	9.74%	10.98%	11.73%	13.60%	17.68%
Net Profit Margin TTM	-36.13%	-28.53%	-14.58%	9.03%	11.75%	13.36%	4.40%	5.66%	6.56%	6.91%	9.64%	4.40%
Growth Metrics
Net Revenue Growth (1Y)	-2.09%	3.60%	8.37%	13.53%	14.78%	20.86%	28.51%	36.24%	60.33%	77.66%	1.83%	-4.68%
Net Income Growth (1Y)	-401.15%	-321.28%	-458.94%	81.27%	105.37%	133.52%	-41.31%	74.92%	724.27%	-1,457.31%	-71.52%	-89.72%
EPS Growth (1Y)	-403.57%	-321.46%	-458.86%	81.40%	104.85%	131.66%	-41.73%	73.62%	714.34%	-1,431.09%	-72.05%	-89.95%
Valuation Metrics
P/E TTM	-0.87	-1.32	-3.43	7.42	6.96	4.92	15.22	10.93	10.78	10.91	7.37	21.46
P/B TTM	0.32	0.37	0.48	0.53	0.63	0.49	0.52	0.47	0.52	0.51	0.47	0.58
P/S TTM	0.32	0.38	0.50	0.67	0.82	0.66	0.67	0.62	0.71	0.75	0.71	0.95
Market Cap	26.09M	32.42M	43.25M	57.84M	68.93M	54.45M	53.53M	47.03M	51.98M	51.66M	44.17M	52.79M
Enterprise Value	-106.90M	-172.97M	-73.70M	-17.75M	7.60M	-21.40M	-8.81M	-11.58M	-3.25M	-4.34M	-65.88M	-48.30M
Calculated Values
Free Cash Flow TTM	207.69M	285.00M	281.93M	325.10M	340.37M	388.81M	417.23M	461.37M	507.41M	447.22M	475.03M	468.10M
Net Debt	-132.99M	-205.39M	-116.96M	-75.59M	-61.33M	-75.85M	-62.34M	-58.61M	-55.23M	-56.00M	-110.05M	-101.09M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2025-05-15Sale

Owner: Berset, Derek Steven

Title: -

Shares: 0

Price/Share: $14.86

Value: $2.97

Shares Owned: 69,379

Relationship: Director

Ownership: Direct

2025-05-01Purchase

Owner: Zernick, Thomas Gerard

Title: CEO

Shares: 326

Price/Share: $15.28

Value: $4,981.28

Shares Owned: 18,727

Relationship: Director,Officer

Ownership: Direct

2025-02-06Purchase

Owner: Mckim, Scott Joseph

Title: EVP, Chief Financial Officer

Shares: 120

Price/Share: $16.40

Value: $1,968.00

Shares Owned: 3,243

Relationship: Officer

Ownership: Direct

2024-08-02Purchase

Owner: Tudor, Rhonda S

Title: SVP, Chief Accounting Officer

Shares: 100

Price/Share: $12.86

Value: $1,286.00

Shares Owned: 1,448

Relationship: Officer

Ownership: Direct

2024-07-31Purchase

Owner: Mckim, Scott Joseph

Title: EVP, Chief Financial Officer

Shares: 100

Price/Share: $12.93

Value: $1,293.00

Shares Owned: 1,550

Relationship: Officer

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2025-05-15	Berset, Derek Steven	Director	-	Direct	Sale	0	14.86	$2.97	69,379	4
2025-05-01	Zernick, Thomas Gerard	Director,Officer	CEO	Direct	Purchase	326	15.28	$4,981.28	18,727	4
2025-02-06	Mckim, Scott Joseph	Officer	EVP, Chief Financial Officer	Direct	Purchase	120	16.40	$1,968.00	3,243	4
2024-08-02	Tudor, Rhonda S	Officer	SVP, Chief Accounting Officer	Direct	Purchase	100	12.86	$1,286.00	1,448	4
2024-07-31	Mckim, Scott Joseph	Officer	EVP, Chief Financial Officer	Direct	Purchase	100	12.93	$1,293.00	1,550	4
2024-07-30	Zernick, Thomas Gerard	Director,Officer	CEO	Direct	Purchase	100	13.10	$1,310.00	16,707	4
2024-07-30	Oliver, Robin Leigh	Officer	President, COO	Direct	Purchase	100	13.00	$1,300.00	9,591	4
2024-05-24	Oliver, Robin Leigh	Officer	President, COO	Direct	Purchase	500	11.79	$5,895.00	9,482	4
2024-05-24	Zernick, Thomas Gerard	Director,Officer	CEO	Direct	Purchase	200	11.65	$2,330.00	16,561	4
2024-02-29	Zernick, Thomas Gerard	Director,Officer	CEO	Direct	Purchase	100	14.00	$1,400.00	16,191	4
2023-12-08	Mckim, Scott Joseph	Officer	EVP, Chief Financial Officer	Direct	Purchase	100	11.19	$1,119.00	200	4
2023-12-05	Zernick, Thomas Gerard	Director,Officer	President	Direct	Purchase	150	11.54	$1,731.00	13,213	4
2023-11-29	Mckim, Scott Joseph	Officer	EVP, Chief Financial Officer	Direct	Purchase	100	10.50	$1,050.00	100	4
2023-11-01	Leo, Anthony N	Director,Officer	Chief Executive Officer	Direct	Purchase	50	10.45	$522.50	34,683	4
2023-10-31	Leo, Anthony N	Director,Officer	Chief Executive Officer	Direct	Purchase	200	9.74	$1,948.00	34,633	4
2023-10-31	Zernick, Thomas Gerard	Director,Officer	President	Direct	Purchase	150	10.00	$1,500.00	12,895	4
2023-08-03	Leo, Anthony N	Director,Officer	Chief Executive Officer	Direct	Purchase	125	14.34	$1,792.50	34,273	4
2023-08-02	Leo, Anthony N	Director,Officer	Chief Executive Officer	Direct	Purchase	150	14.50	$2,175.00	34,148	4
2023-08-01	Leo, Anthony N	Director,Officer	Chief Executive Officer	Direct	Purchase	125	14.47	$1,808.75	33,998	4
2023-06-20	Leo, Anthony N	Director,Officer	Chief Executive Officer	Direct	Purchase	80	13.55	$1,084.00	33,873	4
2023-06-16	Zernick, Thomas Gerard	Director,Officer	President	Direct	Purchase	100	13.31	$1,331.00	12,594	4
2023-06-14	Leo, Anthony N	Director,Officer	Chief Executive Officer	Direct	Purchase	36	14.30	$514.80	33,647	4
2023-05-24	Saravanos, Anthony	Director	-	Direct	Purchase	20	14.68	$293.60	52,092	4
2023-05-19	Saravanos, Anthony	Director	-	Direct	Purchase	20	14.70	$294.00	52,052	4
2023-05-18	Zernick, Thomas Gerard	Director,Officer	President	Direct	Purchase	50	14.47	$723.50	12,462	4
2023-05-18	Saravanos, Anthony	Director	-	Direct	Purchase	20	14.97	$299.40	52,032	4
2023-05-02	Zernick, Thomas Gerard	Director,Officer	President	Direct	Purchase	100	14.40	$1,440.00	12,412	4
2023-05-02	Berset, Mark S	Director	-	Direct	Purchase	0	14.40	$0.00	208,463	4/A
2023-05-02	Leo, Anthony N	Director,Officer	Chief Executive Officer	Direct	Purchase	110	14.47	$1,591.70	33,611	4
2023-05-02	Berset, Mark S	Director	-	Direct	Purchase	300	14.40	$4,320.00	208,463	4
2023-02-06	Leo, Anthony N	Director,Officer	Chief Executive Officer	Direct	Purchase	100	18.94	$1,894.00	33,221	4
2022-12-14	Zernick, Thomas Gerard	Officer	Executive Vice President	Direct	Purchase	300	15.90	$4,770.00	8,171	4
2022-11-15	Leo, Anthony N	Director,Officer	Chief Executive Officer	Direct	Purchase	102	16.14	$1,646.28	27,506	4
2022-08-05	Leo, Anthony N	Director,Officer	Chief Executive Officer	Direct	Purchase	100	18.98	$1,898.00	28,911	4
2022-06-06	Saravanos, Anthony	Director	-	Direct	Purchase	70	16.30	$1,141.00	49,956	4
2022-06-03	Saravanos, Anthony	Director	-	Direct	Purchase	70	16.50	$1,155.00	49,886	4
2022-05-31	Saravanos, Anthony	Director	-	Direct	Purchase	70	16.46	$1,152.20	49,676	4
2022-05-27	Saravanos, Anthony	Director	-	Direct	Purchase	70	16.35	$1,144.50	49,606	4
2022-05-26	Saravanos, Anthony	Director	-	Direct	Purchase	70	16.50	$1,155.00	49,536	4
2022-05-25	Harris, Alexander Octaviu…	Director	-	Direct	Purchase	130	16.20	$2,100.01	1,362	4
2022-05-25	Deloach, Dennis Reppard I…	Director	-	Direct	Purchase	255	16.20	$4,125.01	29,898	4
2022-05-25	Zipperian, Barbara J	Director	-	Direct	Purchase	131	16.20	$2,124.95	2,778	4
2022-05-25	Berset, Derek Steven	Director	-	Direct	Purchase	386	16.20	$6,249.96	56,517	4
2022-05-25	Berset, Mark S	Director	-	Direct	Purchase	185	16.20	$3,000.08	204,461	4
2022-05-25	Winner, Harold Jack	Director	-	Direct	Purchase	135	16.20	$2,187.97	48,760	4
2022-05-24	Saravanos, Anthony	Director	-	Direct	Purchase	70	16.35	$1,144.50	49,346	4
2022-05-23	Saravanos, Anthony	Director	-	Direct	Purchase	70	16.40	$1,148.00	49,276	4
2022-05-19	Helal, Tarek	Director	-	Direct	Purchase	133	16.26	$2,162.58	22,611	4
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Institutional Ownership

No data available for chart

2026-03-31

14.97%

Inst. Shares: 614,927

Shares Outstanding: 4,108,071

2025-12-31

14.65%

Inst. Shares: 605,135

Shares Outstanding: 4,129,655

2025-09-30

15.42%

Inst. Shares: 637,732

Shares Outstanding: 4,135,106

2025-06-30

13.71%

Inst. Shares: 566,528

Shares Outstanding: 4,131,670

2025-03-31

13.35%

Inst. Shares: 552,771

Shares Outstanding: 4,141,070

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	614,927	4,108,071	14.97%
2025-12-31	605,135	4,129,655	14.65%
2025-09-30	637,732	4,135,106	15.42%
2025-06-30	566,528	4,131,670	13.71%
2025-03-31	552,771	4,141,070	13.35%
2024-12-31	536,743	4,133,082	12.99%
2024-09-30	584,897	4,134,169	14.15%
2024-06-30	657,728	4,134,581	15.91%
2024-03-31	591,545	4,130,484	14.32%
2023-12-31	555,277	4,100,114	13.54%
2023-09-30	562,946	4,105,014	13.71%
2023-06-30	555,152	4,103,788	13.53%
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BayFirst Financial Corp. (BAFN) — SEC Financial Statements & Analysis

BayFirst Financial Corp. (BAFN) is a state commercial banks company, incorporated in FL. BayFirst Financial Corp. trades on Nasdaq as: BAFN. Based on its latest SEC filing (Form 10-Q, period ending 2026-03-31), BayFirst Financial Corp. reported a -2.09% year-over-year revenue growth, a Gross Profit Margin of 53.59% (TTM), a Price-to-Sales (P/S) ratio of 0.32x (TTM), a Price-to-Book (P/B) ratio of 0.32 (TTM), at a market cap of $26.09M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: -2.09%
Gross Profit Margin TTM: 53.59%
P/S TTM: 0.32x
P/B TTM: 0.32
Market Cap: $26.09M

Data as of 2026-03-31 · Source: SEC EDGAR

Frequently Asked Questions

What industry is BayFirst Financial Corp. in?

BayFirst Financial Corp. (BAFN) operates in the State Commercial Banks industry.

What is BAFN's market cap?

BayFirst Financial Corp. (BAFN) has a market capitalization of $26.09M as of 2026-03-31.

What exchange does BAFN trade on?

BayFirst Financial Corp. (BAFN) trades on the Nasdaq.

Where is BayFirst Financial Corp. incorporated?

BayFirst Financial Corp. is incorporated in FL.

BayFirst Financial Corp. (BAFN) — SEC Financial Statements & Analysis

Frequently Asked Questions

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