Shareholder returns
- Dividends have been paid for 6 consecutive years, consuming 0.2% of free cash flow.
- The dividend has declined 6.2% per year over the past 5 years.
BAFN Financials BayFirst Financial Corp.
6 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →
Net income
ROEROA
Equity
Free cash flow
CashTotal debt
OperatingInvestingFinancing
Key annual figures
| FY | Revenue | Net income | Gross M | Op M | ROE | ROA | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|---|---|
| 2025 | — | -$25M | — | — | -30.1% | -1.9% | $289M | — | $207M |
| 2024 | — | $10M | — | — | 9.6% | 0.8% | $392M | — | $78M |
| 2023 | — | $6M | — | — | 5.8% | 0.5% | $447M | — | $58M |
| 2022 | — | -$349000 | — | — | -0.4% | -0.0% | $432M | — | $66M |
| 2021 | — | $25M | — | — | 25.6% | 2.7% | $482M | — | $110M |
| 2020 | — | $13M | — | — | 17.9% | 0.8% | -$111M | — | $55M |
Net income
ROEROA
Equity
Free cash flow
CashTotal debt
OperatingInvestingFinancing
Key quarterly figures
| Quarter | Revenue | Net income | Gross M | Op M | ROE | ROA | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|---|---|
| Jun '26 | — | -$33M | — | — | -28.2% | -2.9% | $263000 | — | $139M |
| Mar '26 | — | -$6M | — | — | -7.5% | -0.5% | -$3M | — | $134M |
| Dec '25 | — | -$2M | — | — | -3.0% | -0.2% | $101M | — | $207M |
| Sep '25 | — | -$19M | — | — | -22.7% | -1.4% | $47M | — | $119M |
| Jun '25 | — | -$2M | — | — | -1.8% | -0.1% | $65M | — | $77M |
| Mar '25 | — | -$335000 | — | — | -0.3% | -0.0% | $74M | — | $63M |
| Dec '24 | — | $10M | — | — | 9.2% | 0.8% | $97M | — | $78M |
| Sep '24 | — | $1M | — | — | 1.1% | 0.1% | $90M | — | $64M |
| Jun '24 | — | $866000 | — | — | 0.9% | 0.1% | $78M | — | $61M |
| Mar '24 | — | $824000 | — | — | 0.8% | 0.1% | $123M | — | $58M |
| Dec '23 | — | $2M | — | — | 1.7% | 0.1% | $126M | — | $58M |
| Sep '23 | — | $2M | — | — | 2.0% | 0.2% | $135M | — | $113M |
| Jun '23 | — | $1M | — | — | 1.5% | 0.1% | $124M | — | $104M |
| Mar '23 | — | $739000 | — | — | 0.8% | 0.1% | $62M | — | $132M |
| Dec '22 | — | $1M | — | — | 1.4% | 0.1% | $154M | — | $66M |
| Sep '22 | — | -$1M | — | — | -1.5% | -0.2% | $128M | — | $36M |
| Jun '22 | — | -$282000 | — | — | -0.3% | -0.0% | $47M | — | $68M |
| Mar '22 | — | $13000 | — | — | 0.0% | 0.0% | $104M | — | $122M |
| Dec '21 | — | $3M | — | — | 2.9% | 0.3% | $361M | — | $110M |
| Sep '21 | — | $1M | — | — | 1.4% | 0.1% | $30M | — | $107M |
Valuation over time
How the market has priced BAFN against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.
- The price-to-earnings ratio has fallen from 58.2× (Jan '24) to 20.7× (Dec '25).
- The dividend yield has risen from 0.3% (Mar '23) to 0.3% (Sep '26).
P/E
Dividend yield %
Frequently asked questions
Is BAFN growing its revenue and profit?
See the revenue and net-income charts above for BayFirst Financial Corp.'s multi-year trend.
How much debt does BAFN have?
As of FY2025, BayFirst Financial Corp. reported — of total debt against $207M of cash.
What is BAFN's profit margin?
In FY2025, gross margin was —, operating margin —, and net margin —.
What is BAFN's P/E ratio?
As of Sep '26, BayFirst Financial Corp. traded at a price-to-earnings ratio of about 20.7× (market cap ÷ latest annual net income). The valuation charts above show how its P/E and dividend yield have moved with the share price. These are computed facts, not advice.
Where does this data come from?
All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.
Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.