BayFirst Financial Corp.
About BayFirst Financial Corp.
BayFirst Financial Corp is a bank holding company that operates through its wholly owned subsidiary. The Company generates the majority of its revenue from interest on loans and noninterest income. The primary sources of funding for its loans are loan payments, deposits, and borrowings. It is dependent on noninterest income, which is derived from net gain on the sales of the guaranteed portion of government-guaranteed loans and service fee income. The company provides personal banking and business banking services.
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Financial summary
- Net income
- -$22.9M
- Total assets
- $1.3B
- Market cap
- $22.2M
- Operating margin
- -67.3%
- Net margin
- -50.1%
Source: SEC EDGAR · updated Jun 7, 2026
Revenue & profit trend
Financial statements
Income statement
- Revenue
- $45.8M
- Operating expenses
- $76.6M
- Operating income
- -$30.8M
- Income tax
- -$7.9M
- Net income
- -$22.9M
- EPS (basic)
- $-5.93
- EPS (diluted)
- $-5.93
Balance sheet
- Total assets
- $1.3B
- Current assets
- $1.3B
- Total liabilities
- $1.2B
- Current liabilities
- $1.2B
- Shareholders’ equity
- $87.6M
Cash flow
- Operating cash flow
- $285.3M
- Investing cash flow
- -$194.9M
- Financing cash flow
- $38.8M
- Net cash flow
- $129.2M
Statements via Polygon.io (SEC filings)
15-minute delayed · data by Polygon.io
Past year
52-week range
- Market cap
- $22.2M
- EPS (diluted)
- $-5.93
- Dividend yield
- 5.76%
- Shares outstanding
- 4.0M
- Open
- —
- Day range
- –
- Prev close
- —
- Volume
- —
- IPO date
- Jul 23, 2015
Market data by Polygon.io · prices are 15-minute delayed
At a glance
- Reported a net loss of $22.9M.
- Revenue grew 14% from FY2021 to FY2025.
- Trading 66% below its 52-week high.
- Pays a dividend yielding about 5.76% annually.
Automatically generated from public filings and market data. Informational only — not investment advice or a recommendation to buy or sell any security.
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