BayFirst Financial Corp.BAFNNASDAQ

Revenue (LTM)

$104M

-16.8% YoY

Net Income (LTM)

$-23M

-282.0% YoY

Free Cash Flow

Revenue CAGR (5Y)

-4.9%

Marginsdeclining

FCFTurned negative

Now unprofitable

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Revenue	63	66↑4.8%	111↑66.9%	125↑13.0%	104↓16.8%
Gross Profit	60	59↓1.7%	68↑16.7%	66↓3.8%	40↓39.8%
Operating Income	12	7↓39.9%	8↑14.2%	17↑111.4%	-31↓281.5%
Net Income	25	-0↓101.4%	6↑1733.8%	13↑121.0%	-23↓282.0%
EBITDA	16	12↓25.1%	15↑23.1%	26↑73.9%	-31↓219.9%
EPS Diluted	5.91	-0.29↓104.9%	1.12↑486.2%	2.41↑115.2%	-5.91↓345.2%

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Cash & Equivalents	112	71↓36.7%	63↓11.1%	80↑27.0%	5↓93.6%
Total Current Assets	147	118↓19.7%	110↓6.8%	98↓10.6%	43↓56.3%
Total Assets	917	939↑2.4%	1,118↑19.1%	1,288↑15.3%	1,300↑0.9%
Total Current Liabilities	731	808↑10.5%	986↑22.0%	1,144↑16.0%	328↓71.3%
Total Liabilities	821	847↑3.2%	1,017↑20.1%	1,177↑15.8%	1,213↑3.0%
Total Equity	96	92↓4.6%	101↑9.6%	111↑10.1%	88↓21.1%
Total Debt	13	37↑193.9%	21↓43.9%	22↑6.9%	21↓7.1%
Net Debt	-99	-34↑66.2%	-42↓25.4%	-58↓37.0%	16↑127.2%

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Operating Cash Flow	495	440↓11.1%	455↑3.3%	391↓14.1%	0
Capital Expenditure	-13	-8↑38.5%	-8↑6.0%	-2↑77.7%	0
Free Cash Flow	482	432↓10.4%	447↑3.5%	389↓13.1%	0
Stock-Based Comp	1	1↑64.1%	1↓25.8%	0↓33.6%	0
Net Change in Cash	54	-44↓180.4%	-8↑82.5%	19↑353.3%	-78↓500.9%

Values in millions except EPS · Ratios shown as percentages · Click any metric to drill down

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