BAFN
BayFirst Financial Corp.Company Information
- Company Name
- BayFirst Financial Corp.
- CIK
- CIK0001649739
- Category
- <br>Emerging growth company
- Ticker: Exchange
- BAFN: Nasdaq
- Fiscal Year End
- December 31
- Owner Organization
- 02 Finance
- SIC
- 6022
- SIC Description
- State Commercial Banks
- Ticker
- BAFN
SEC filing data through
Insider Sentiment
- Last purchase
- 2025-05-01
- Last sale
- 2026-07-14
- Shares purchased (TTM)
- 0
- Shares sold (TTM)
- 1,142,800
Institutional Sentiment
- As of
- 2026-06-30
- Institutional shares owned
- 603,525
- Shares outstanding
- 4,107,554
- Ownership
- 14.69%
Earnings Market Reaction
- Filing date
- 2026-08-14
- Price on filing date
- —
- 1-month reaction
- 6.08%
- 3-month reaction
- …
Balance Sheet
Values in millions ($)| Line item | 2026-06-30 | 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 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Trend |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Government Guaranteed Loans | - | - | - | - | - | - | - | - | - | - | - | 1 | ||||||
| Government Guaranteed Loans Held For Sale | - | - | - | 94 | - | - | - | 1 | - | 2 | - | - | ||||||
| Deferred Income Tax Liabilities Net | - | - | 0 | 0 | 1 | 1 | 0 | 1 | 1 | 1 | 0 | - | ||||||
| Series A Preferred Stock | 0 | 0 | 0 | -6 | 0 | 6 | 0 | 0 | 0 | 6 | 0 | 0 | ||||||
| Series B Preferred Stock | 0 | 0 | 0 | -3 | 0 | 3 | 0 | 0 | 0 | 3 | 0 | 0 | ||||||
| Series C Preferred Stock | 0 | 0 | 0 | -6 | 0 | 6 | 0 | 0 | 0 | 6 | 0 | 2 | ||||||
| Series D Preferred Stock | 0 | - | - | - | 0 | - | - | - | - | - | - | - | ||||||
| Cash And Due From Banks | 6 | 7 | 5 | 5 | 6 | 7 | 4 | 5 | 4 | 4 | 4 | 5 | ||||||
| Interest Bearing Deposits In Banks | 134 | 128 | 202 | 113 | 71 | 57 | 73 | 60 | 57 | 53 | 54 | 108 | ||||||
| Cash And Cash Equivalents At Carrying Value | 139 | 134 | 207 | 119 | 77 | 63 | 78 | 64 | 61 | 58 | 58 | 113 | ||||||
| Debt Securities Available For Sale Excluding Accrued Interest | 28 | 29 | 29 | 30 | 30 | 36 | 36 | 38 | 39 | 43 | 40 | 40 | ||||||
| Debt Securities Held To Maturity Excluding Accrued Interest After Allowance For Credit Loss | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | ||||||
| Loans Receivable Fair Value Disclosure | 44 | 52 | 54 | 62 | 91 | 58 | 61 | 0 | 8 | 78 | 92 | 84 | ||||||
| Financing Receivable Excluding Accrued Interest Before Allowance For Credit Loss | 839 | 872 | 904 | 937 | 1,035 | 1,027 | 1,001 | 956 | - | - | 824 | - | ||||||
| Financing Receivable Allowance For Credit Loss Excluding Accrued Interest | -45 | -21 | -22 | -24 | -17 | -17 | -16 | -14 | -14 | -14 | -13 | -13 | ||||||
Assets | ||||||||||||||||||
| Assets | 1,135 | 1,190 | 1,294 | 1,346 | 1,344 | 1,292 | 1,283 | 1,245 | 1,218 | 1,144 | 1,118 | 1,134 | ||||||
| Financing Receivable Excluding Accrued Interest After Allowance For Credit Loss | 794 | 852 | 882 | 912 | 1,018 | 1,010 | 986 | 942 | 908 | 843 | 811 | 781 | ||||||
| Financing Receivable Accrued Interest Before Allowance For Credit Loss | 5 | 6 | 6 | 9 | 9 | 9 | 8 | 9 | 8 | 8 | 7 | 7 | ||||||
| Servicing Asset At Amortized Value | 10 | 11 | 13 | 16 | 16 | 16 | 17 | 16 | 16 | 16 | 15 | 14 | ||||||
| Deferred Income Tax Assets Net | 21 | 10 | 8 | 6 | - | - | 0 | - | - | - | 0 | 0 | ||||||
| Operating Lease Right Of Use Asset | 14 | 14 | 15 | 15 | 15 | 15 | 16 | 2 | 2 | 2 | 2 | 3 | ||||||
| Bank Owned Life Insurance | 28 | 27 | 27 | 27 | 27 | 27 | 27 | 26 | 26 | 26 | 26 | 26 | ||||||
| Other Real Estate | 1 | 0 | 0 | 0 | 0 | 0 | 0 | - | 2 | - | 0 | - | ||||||
| Other Assets | 16 | 16 | 15 | 14 | 17 | 13 | 12 | 13 | 19 | 19 | 16 | 15 | ||||||
| Assets Of Disposal Group Including Discontinued Operation | - | - | - | - | - | - | 0 | 0 | 0 | 0 | 0 | 0 | ||||||
Liabilities And Stockholders Equity | ||||||||||||||||||
| Deposits Money Market Deposits | - | - | - | - | - | - | - | - | - | - | - | 350 | ||||||
| Noninterest Bearing Deposit Liabilities | 117 | 111 | 96 | 106 | 110 | 106 | 102 | 96 | 94 | 97 | 94 | 98 | ||||||
| Interest Bearing Deposit Liabilities | 136 | 154 | 231 | 210 | 238 | 261 | 257 | 248 | 236 | 250 | 259 | 267 | ||||||
| Time Deposits | 314 | 388 | 402 | 376 | 323 | 293 | 310 | 313 | 292 | 268 | 259 | 302 | ||||||
| Deposits | 989 | 1,086 | 1,184 | 1,171 | 1,164 | 1,128 | 1,143 | 1,112 | 1,042 | 1,007 | 985 | 1,018 | ||||||
| Advances From Federal Home Loan Banks | - | - | - | 50 | 40 | 20 | 0 | 10 | 55 | 15 | 10 | 0 | ||||||
Liabilities | ||||||||||||||||||
| Liabilities | 1,019 | 1,114 | 1,213 | 1,256 | 1,236 | 1,182 | 1,176 | 1,143 | 1,117 | 1,044 | 1,017 | 1,040 | ||||||
| Subordinated Debt | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | ||||||
| Notes Payable | 1 | 1 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 3 | ||||||
| Interest Payable Current And Noncurrent | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 1 | 1 | ||||||
| Accrued Liabilities And Other Liabilities | 10 | 7 | 7 | 13 | 8 | 10 | 10 | 8 | 7 | 7 | 9 | 9 | ||||||
Stockholders Equity Including Portion Attributable To Noncontrolling Interest | ||||||||||||||||||
| Liabilities Of Disposal Group Including Discontinued Operation | - | - | - | - | - | - | 0 | 0 | 0 | 1 | 1 | 1 | ||||||
| Common Stocks Including Additional Paid In Capital | 54 | 54 | 54 | 55 | 55 | 55 | 55 | 55 | 55 | 55 | 55 | 55 | ||||||
| Accumulated Other Comprehensive Income Loss Net Of Tax | -2 | -2 | -2 | -2 | -2 | -2 | -3 | -2 | -3 | -3 | -3 | -4 | ||||||
| Deferred Compensation Equity | -0 | -0 | -0 | -1 | -1 | -1 | -1 | -1 | -1 | -1 | -1 | -1 | ||||||
| Retained Earnings Accumulated Deficit | -26 | 8 | 14 | 22 | 41 | 43 | 40 | 35 | 35 | 35 | 34 | 33 | ||||||
| Stockholders Equity | 116 | 76 | 82 | 90 | 103 | 105 | 107 | 102 | 101 | 101 | 101 | 94 | ||||||
| Liabilities And Stockholders Equity | 1,135 | 1,190 | 1,294 | 1,346 | 1,344 | 1,292 | 1,283 | 1,245 | 1,218 | 1,144 | 1,118 | 1,134 | ||||||
| Series E Preferred Stock | 0 | - | - | - | 0 | - | - | - | - | - | - | - | ||||||
| Debt Securities Available For Sale Amortized Cost Excluding Accrued Interest After Allowance For Credit Loss | 31 | 31 | 32 | 33 | 33 | 40 | 40 | 41 | 43 | 47 | 44 | 45 | ||||||
| Debt Securities Held To Maturity Allowance For Credit Loss Excluding Accrued Interest | 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 | ||||||
Select a line item above to chart it.
Recent filings
- 10-QFiled
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-KFiled
- 10-QFiled
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
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Start 7-day free trialBayFirst 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. BayFirst Financial Corp. (BAFN)'s most recent SEC filing is a Form 10-Q for the period ended 2026-06-30, filed with the SEC on 2026-08-14. Based on that filing, BayFirst Financial Corp. carries a market cap of $20.54M, a P/E ratio of -0.33x, a P/B ratio of 0.18x, a P/S ratio of 0.27x, an enterprise value of $-117.38M, and an EV/EBITDA multiple of 0.96x. On profitability, it posts a gross margin of 54.08%, an operating margin of -106.34%, a net margin of -81.59%, a Return on Equity (ROE) of -57.07%, and a Return on Invested Capital (ROIC) of -69.76%. Per share, it reports EPS of $-15.18, diluted EPS of $-15.18, free cash flow per share of $35.69, and a dividend per share of $0.38. Over the trailing year, it posted revenue growth of -9.90% year-over-year, net income growth of -1112.65% year-over-year, and EPS growth of -1118.60% year-over-year. On the balance sheet, it maintains an interest coverage ratio of -3.01x, free cash flow of $146.59M (TTM), and net debt of $-137.91M. Figures sourced from SEC EDGAR.
- Market Cap
- $20.54M
- P/E TTM
- -0.33x
- EPS TTM
- $-15.18
- P/B TTM
- 0.18x
- ROE TTM
- -57.07%
- Free Cash Flow TTM
- $146.59M
- Net Revenue TTM Growth 1Y
- -9.90%
Data as of 2026-06-30 · 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 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.
When was BayFirst Financial Corp. (BAFN)'s most recent SEC filing?
BayFirst Financial Corp. (BAFN)'s most recent SEC filing is a Form 10-Q for the period ended 2026-06-30, filed with the SEC on 2026-08-14.
What is BAFN's market cap?
BayFirst Financial Corp. (BAFN) has a market capitalization of $20.54M as of 2026-06-30.
What is BAFN's EPS (earnings per share)?
BayFirst Financial Corp. (BAFN)'s trailing twelve month EPS is $-15.18 as of 2026-06-30.
What is BAFN's ROE (return on equity)?
BayFirst Financial Corp. (BAFN)'s trailing twelve month Return on Equity (ROE) is -57.07% as of 2026-06-30.
What is BAFN's ROIC (return on invested capital)?
BayFirst Financial Corp. (BAFN)'s trailing twelve month Return on Invested Capital (ROIC) is -69.76% as of 2025-06-30.
What is BAFN's EV/EBITDA?
BayFirst Financial Corp. (BAFN)'s trailing twelve month EV/EBITDA is 0.96x as of 2026-06-30.