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Bayfirst Financial Corp (BAFN) Key Ratios

Stock Card factsheet share-fund-plan-icon

$7.30

up-down-arrow $0.15 (2.10%)

As on 02-Sep-2026 12:21EDT

Market cap

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$178 Mln

Revenue (TTM)

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$65 Mln

P/E Ratio

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--

P/B Ratio

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7.1

Div. Yield

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0 %

Key Ratios and Highlights

Growth Score (%) Quarterly Annual (TTM)
Particulars QoQ YoY 1-Year 3-Years 5-Years
Revenue -45.20 -68.92 -46.81 -10.01 -17.63
EBIT -- -- -405.65 -256.86 -198.05
Net Profit -475.12 -2,540.82 -739.25 -407.98 -213.73
EPS -475.12 -2,568.60 -794.95 -408.50 -212.93
Book Value -- -- -15.14 -1.71 0.73
Key Ratios (%) Average Annual (TTM)
Particulars3-Years5-YearsTTMDec-25Dec-24
EBIT-Margin info -2.934.06-58.48-29.5913.56
Net Margin info -----91.62----
Return on equity info -1.764.75-58.68-23.1111.91
Return on Capital info -1.524.08---18.989.89
Return on Assets info -0.060.36-4.63-1.771.05
Debt to Equity (x) info ----0.000.240.20

Profitability

View Detailed Peer Comparison

ROCE

--

--

Earning before interest and taxes / (Average net worth + Average total Debt) * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Bayfirst Financial Corp (BAFN)
--
-18.98
9.89
4.54
-0.29
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
ROE

-58.68

Lower than Peers by 68.55

Profit after tax / Average Net worth * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Bayfirst Financial Corp (BAFN)
-58.68
-23.11
11.91
5.92
-0.37
Peer Median
9.87
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
ROA

-4.63

Lower than Peers by 5.59

Profit after tax / Average Total assets * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Bayfirst Financial Corp (BAFN)
-4.63
-1.77
1.05
0.55
-0.04
Peer Median
0.96
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EBIT Margin

-58.48

Lower than Peers by 79.28

Operating profit (EBIT) / Net Sales * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Bayfirst Financial Corp (BAFN)
-58.48
-29.59
13.56
7.25
10.60
Peer Median
20.79
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Net Margin

-91.62

Lower than Peers by 111.65

Net profit / Total Income (Net sales plus other income) * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Bayfirst Financial Corp (BAFN)
-91.62
-22.01
10.06
5.14
-0.53
Peer Median
20.03
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Cash Profit Margin

0.00

Lower than Peers by 0.00

(Net profit + Depreciation) / Gross Sales * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Bayfirst Financial Corp (BAFN)
0.00
--
--
--
--
Peer Median
0.00
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Growth

View Detailed Peer Comparison

Revenue Growth

-46.81

Lower than Peers by 57.91

Year on year growth in net sales

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Bayfirst Financial Corp (BAFN)
-46.81
-0.17
0.13
0.67
0.05
Peer Median
11.10
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EBIT Growth

-405.65

Lower than Peers by 394.15

Year on year growth in operating profit (EBIT)

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Bayfirst Financial Corp (BAFN)
-405.65
-281.49
111.44
14.15
-39.95
Peer Median
-11.50
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Net Profit Growth

-739.25

Lower than Peers by 746.52

Year on year growth in profit after tax

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Bayfirst Financial Corp (BAFN)
-739.25
-282.00
121.03
1,733.81
-101.42
Peer Median
7.27
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EPS Growth

-794.95

Lower than Peers by 800.73

Year on year growth in earnings per share

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Bayfirst Financial Corp (BAFN)
-794.95
-2.96
1.04
17.40
-1.01
Peer Median
5.78
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Book Value Growth

8.26

Lower than Peers by 0.51

Year on year growth in book value per share

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Bayfirst Financial Corp (BAFN)
8.26
--
--
--
--
Peer Median
8.77
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Solvency

View Detailed Peer Comparison

Debt to Equity

--

--

Total debt / Net worth

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Bayfirst Financial Corp (BAFN)
--
0.24
0.20
0.21
0.41
Peer Median
0.21
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Short term debt to equity ratio

--

--

(Short term borrowings / Net worth)

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Bayfirst Financial Corp (BAFN)
--
--
0.02
0.10
0.07
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Current Ratio

0.01

Lower than Peers by 0.29

Current Assets / Current Liabilities and Provisions

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Bayfirst Financial Corp (BAFN)
0.01
0.18
0.09
5.92
17.68
Peer Median
0.31
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Quick Ratio

0.01

Lower than Peers by 0.35

(Current Assets - Inventory) / Current Liabilities and Provisions

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Bayfirst Financial Corp (BAFN)
0.01
--
--
6.23
--
Peer Median
0.36
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Interest Coverage

-1.29

Lower than Peers by 3.04

Earning before interest and taxes (EBIT) / Interest Expenses

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Bayfirst Financial Corp (BAFN)
-1.29
-0.77
0.38
0.25
0.82
Peer Median
1.75
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Operating Efficiency

View Detailed Peer Comparison

Debtors to sales

7.87

Higher than Peers by 0.97

Debtors outstanding / Net Sales * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Bayfirst Financial Corp (BAFN)
7.87
8.08
7.31
6.43
6.70
Peer Median
6.90
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Asset Turnover

0.05

Higher than Peers by 0.00

Sales / Average Total Assets

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Bayfirst Financial Corp (BAFN)
0.05
0.08
0.10
0.11
0.07
Peer Median
0.05
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Receivable days

--

--

Average Debtors / Sales * 365

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Bayfirst Financial Corp (BAFN)
--
30.81
23.75
19.08
22.05
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Inventory Days

--

--

Average Inventory / Sales * 365

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Bayfirst Financial Corp (BAFN)
--
--
-18.60
-26.03
-5,369.63
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Payable days

--

--

Average Creditors / Cost of goods sold * 365

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Bayfirst Financial Corp (BAFN)
--
6.13
5.89
6.81
23.91
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Cash Conversion Cycle

--

--

Receivable Days + Inventory Days - Payable Days

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Bayfirst Financial Corp (BAFN)
--
--
-0.74
-13.76
-5,371.50
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Valuation

View Detailed Peer Comparison

Price / Earnings

--

--

Current share price divided by earning per share in the last twelve months

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Bayfirst Financial Corp (BAFN)
--
-1.42
4.70
9.40
-197.66
Peer Median
12.79
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Price / Book Value

7.08

Higher than Peers by 5.75

Current share price divided by book value per share in the latest financial year

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Bayfirst Financial Corp (BAFN)
7.08
0.37
0.53
0.53
0.75
Peer Median
1.32
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Dividend Yield

--

--

Dividend per share in the past twelve months divided by current share price

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Bayfirst Financial Corp (BAFN)
--
--
--
--
--
Peer Median
2.48
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EV/EBITDA

--

--

Enterprise Value (Current Market Capitalisation + Total Debt - Cash & Equivalents) / Earnings before interest, taxes, depreciation and taxes (EBITDA)

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Bayfirst Financial Corp (BAFN)
--
8.43
-0.29
1.09
-0.58
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Market Cap

178

Lower than Peers by 136

Current Share price multiplied by latest total number of shares outstanding

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Bayfirst Financial Corp (BAFN)
178
--
--
--
--
Peer Median
314
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
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