BAFN
BAYFIRST FIN (BAFN)
NASDAQ
$5.72-$0.09 (-1.55%)
Price as of Jun 03, 2026 4:10 PM EDT
  • $33.3M
    Market Cap
  • -62.13%
    1-Year Change
  • Banks - Regional
    Industry
Annual
Quarterly
12/31/2025
12/31/2024
12/31/2023
12/31/2022
Income Statement
Total Operating Revenue
45.8M
+20.40%
38.0M
+4.38%
36.4M
+21.44%
30.0M
-25.45%
Cost of Revenue
670,000
-3.18%
692,000
-2.40%
709,000
N/A
N/A
N/A
Gross Profit
45.1M
+20.84%
37.3M
+4.51%
35.7M
+19.07%
30.0M
-25.45%
Sales and Marketing Expense
1.4M
-30.10%
2.0M
-38.55%
3.3M
+25.41%
2.7M
-65.09%
Research and Development Expense
-7.9M
+16.52%
-6.7M
+20.21%
-5.6M
+16.22%
-4.8M
-26.09%
Depreciation and Amortization Expense
2.2M
-11.20%
2.5M
+9.76%
2.2M
+30.90%
1.7M
-1.49%
Total Operating Expenses
70.4M
+5.46%
66.8M
-1.37%
67.7M
+22.63%
55.2M
-57.15%
Operating Profit
-30.8M
-281.49%
17.0M
+111.44%
8.0M
+14.15%
7.0M
-78.33%
Interest Income
85.8M
+3.60%
82.8M
+20.86%
68.5M
+77.66%
38.6M
-18.88%
Interest Expense
-405,000
-11.76%
-459,000
-98.57%
-32.1M
+274.57%
-8.6M
+17.34%
Interest Income and Expense and Net
85.4M
+3.69%
82.4M
+126.05%
36.4M
+21.44%
30.0M
-25.45%
Total Nonoperating Income and Expense
45.8M
+20.40%
38.0M
+4.38%
36.4M
+21.44%
30.0M
-25.45%
Income before Taxes
-30.8M
-281.49%
17.0M
+111.44%
8.0M
+14.15%
7.0M
-78.33%
Income Taxes
-7.9M
-282.92%
4.3M
+103.63%
2.1M
+35.83%
1.6M
-80.15%
Extraordinary Items
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Net Income
-22.9M
-282.00%
12.6M
+121.03%
5.7M
+1,733.81%
-349,000
-101.42%
Net Income from Continuing Operations Applicable to Common
-22.9M
-281.01%
12.7M
+114.23%
5.9M
+7.98%
5.5M
-76.80%
Basic EPS and Net Income
-5.93
-321.27%
2.68
+131.03%
1.16
+500.00%
-0.29
-104.67%
Diluted EPS and Net Income
-5.93
-326.34%
2.62
+133.93%
1.12
+609.09%
-0.22
-103.83%
Basic Weighted Average Shares
4.1M
-0.08%
4.1M
+0.80%
4.1M
+1.97%
4.0M
+5.73%
Diluted Weighted Average Shares
4.1M
-10.00%
4.6M
+0.15%
4.6M
+8.56%
4.2M
+0.84%
Balance Sheet
Cash and Cash Equivalents
207.0M
+166.08%
77.8M
+33.23%
58.4M
-11.60%
66.0M
-39.81%
Short-Term Investments
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Cash and Cash Equivalents and Short-Term Investments
207.0M
+166.08%
77.8M
+33.23%
58.4M
-11.60%
66.0M
-39.81%
Total Current Assets
14.0M
+11.86%
12.5M
-22.66%
16.1M
+3.20%
15.6M
-0.83%
Accumulated Depreciation
10.6M
+23.19%
8.6M
+16.55%
7.4M
+18.25%
6.2M
+7.22%
Property and Plant and Equipment and Net
31.2M
-6.20%
33.2M
-14.47%
38.9M
+9.69%
35.4M
+19.44%
Total Long-Term Assets
14.0M
+11.86%
12.5M
-22.66%
16.1M
+3.20%
15.6M
-0.83%
Total Assets
1.3B
+0.93%
1.3B
+15.26%
1.1B
+19.05%
938.9M
+2.38%
Income Taxes Payable
0
-100.00%
301,000
-37.55%
482,000
N/A
N/A
N/A
Total Short-Term Debt
0
N/A
0
-100.00%
10.0M
N/A
0
-100.00%
Total Current Liabilities
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Total Long-Term Debt
7.6M
-4.25%
7.9M
-5.37%
8.3M
-5.64%
8.8M
-4.83%
Total Long-Term Liabilities
0
-100.00%
602,000
-37.55%
964,000
-79.61%
4.7M
-0.42%
Total Liabilities
1.2B
+3.00%
1.2B
+15.76%
1.0B
+20.08%
847.0M
+3.19%
Retained Earnings
19.8M
-55.22%
44.1M
+28.32%
34.4M
+2.74%
33.5M
-6.87%
Total Stockholders Equity
87.6M
-21.05%
110.9M
+10.14%
100.7M
+9.60%
91.9M
-4.58%
Total Shares Outstanding
4.1M
-0.60%
4.1M
+0.55%
4.1M
+1.68%
4.0M
+1.54%
Cash Flow
Cash from Operating Activities
285.3M
-26.95%
390.5M
-14.13%
454.8M
+3.30%
440.3M
+334.98%
Capital Expenditures
300,000
-82.25%
1.7M
-77.71%
7.6M
-5.98%
8.1M
-39.35%
Cash from Investing Activities
-194.9M
-62.22%
-515.9M
-19.55%
-641.3M
+25.59%
-510.6M
-184.84%
Dividends Paid
663,000
-49.89%
1.3M
+0.76%
1.3M
+2.02%
1.3M
+21.88%
Cash from Financing Activities
38.8M
-73.18%
144.8M
-19.02%
178.8M
+570.41%
26.7M
+104.11%
Financials Ratio
Gross Margin
98.54%
+0.36%
98.18%
+0.13%
98.05%
N/A
N/A
N/A
Operating Margin
-67.34%
-250.74%
44.67%
+102.57%
22.05%
-6.00%
23.46%
N/A
Return on Assets
-1.77%
-269.17%
1.05%
+88.93%
0.55%
+1,574.73%
-0.04%
N/A
Return on Equity
-23.11%
-294.04%
11.91%
+101.14%
5.92%
+1,696.50%
-0.37%
N/A
Revenue Growth
20.40%
+366.06%
4.38%
-79.58%
21.44%
+184.22%
-25.45%
N/A
Current Ratio
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Cash Ratio
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Debt-to-Equity Ratio
0.09
+21.38%
0.07
-60.96%
0.18
+89.29%
0.10
N/A
Debt-to-Assets Ratio
0.006
-4.92%
0.006
-62.80%
0.02
+74.47%
0.009
N/A

Earnings & Revenue History

Debt-to-Assets

Cash Flow