BayFirst Financial Key Executives
This section highlights BayFirst Financial's key executives, including their titles and compensation details.
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BayFirst Financial Earnings
This section highlights BayFirst Financial's earnings, including key dates, EPS, earnings reports, and earnings call transcripts.
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| Transcript | Quarter | Year | Date | Estimated EPS | Actual EPS |
|---|
Financial Statements
Access annual & quarterly financial statements for BayFirst Financial, including income statements, balance sheets, and cash flow statements..
Annual Income Statement
| Breakdown | December 31, 2024 | December 31, 2023 | December 31, 2022 | December 31, 2021 | December 31, 2020 |
|---|---|---|---|---|---|
| Revenue | $83.77M | $75.74M | $57.84M | $149.64M | $123.82M |
| Cost of Revenue | $- | $- | $- | $- | $- |
| Gross Profit | $83.77M | $75.74M | $57.84M | $149.64M | $123.82M |
| Gross Profit Ratio | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Research and Development Expenses | $- | $- | $- | $- | $- |
| General and Administrative Expenses | $37.69M | $38.88M | $32.05M | $99.83M | $77.11M |
| Selling and Marketing Expenses | $2.05M | $3.34M | $2.66M | $7.62M | $3.55M |
| Selling General and Administrative Expenses | $39.74M | $42.21M | $34.71M | $107.45M | $80.66M |
| Other Expenses | $- | $14.03M | $-32.05M | $-224.61M | $-188.70M |
| Operating Expenses | $55.22M | $56.24M | $2.66M | $-117.16M | $-108.04M |
| Cost and Expenses | $55.22M | $56.24M | $2.66M | $-117.16M | $-108.04M |
| Interest Income | $- | $68.52M | $38.57M | $33.26M | $43.73M |
| Interest Expense | $- | $32.09M | $8.57M | $7.30M | $10.28M |
| Depreciation and Amortization | $8.72M | $6.75M | $1.98M | $1.74M | $1.41M |
| EBITDA | $- | $- | $12.01M | $- | $26.13M |
| EBITDA Ratio | 0.00% | 0.00% | 20.77% | 0.00% | 21.11% |
| Operating Income | $28.55M | $19.50M | $4.81M | $32.48M | $15.78M |
| Operating Income Ratio | 34.08% | 25.75% | 8.32% | 21.70% | 12.74% |
| Total Other Income Expenses Net | $-11.56M | $-11.47M | $-7.60M | $-5.36M | $-10.27M |
| Income Before Tax | $16.99M | $8.03M | $7.04M | $32.48M | $15.78M |
| Income Before Tax Ratio | 20.28% | 10.61% | 12.17% | 21.70% | 12.74% |
| Income Tax Expense | $4.32M | $2.12M | $1.56M | $7.86M | $3.07M |
| Net Income | $12.60M | $5.70M | $5.48M | $24.62M | $12.70M |
| Net Income Ratio | 15.04% | 7.53% | 9.47% | 16.45% | 10.26% |
| EPS | $2.68 | $1.16 | $1.36 | $6.21 | $3.45 |
| EPS Diluted | $2.68 | $1.03 | $1.36 | $5.91 | $3.01 |
| Weighted Average Shares Outstanding | 4.78M | 4.10M | 4.02M | 3.80M | 3.43M |
| Weighted Average Shares Outstanding Diluted | 4.59M | 4.58M | 4.02M | 4.07M | 4.00M |
| SEC Filing | Source | Source | Source | Source | Source |
| Breakdown | March 31, 2025 | December 31, 2024 | September 30, 2024 | June 30, 2024 | March 31, 2024 | December 31, 2023 | September 30, 2023 | June 30, 2023 | March 31, 2023 | December 31, 2022 | September 30, 2022 | June 30, 2022 | March 31, 2022 | December 31, 2021 | September 30, 2021 | June 30, 2021 | March 31, 2021 | December 31, 2020 | September 30, 2020 | June 30, 2020 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $- | $28.38M | $30.30M | $28.88M | $30.15M | $28.85M | $21.09M | $19.82M | $17.01M | $15.75M | $17.91M | $23.93M | $23.60M | $29.71M | $27.89M | $40.11M | $32.44M | $30.85M | $29.60M | $20.71M |
| Cost of Revenue | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
| Gross Profit | $- | $28.38M | $30.30M | $28.88M | $30.15M | $28.85M | $21.09M | $19.82M | $17.01M | $15.75M | $17.91M | $23.93M | $23.60M | $29.71M | $27.89M | $40.11M | $32.44M | $30.85M | $29.60M | $20.71M |
| Gross Profit Ratio | 0.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Research and Development Expenses | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
| General and Administrative Expenses | $- | $8.87M | $9.61M | $3.07M | $3.51M | $10.17M | $9.86M | $9.64M | $9.31M | $3.60M | $9.52M | $18.37M | $20.71M | $23.26M | $23.68M | $18.36M | $16.84M | $14.82M | $12.76M | $11.83M |
| Selling and Marketing Expenses | $- | $390.00K | $532.00K | $540.00K | $588.00K | $640.00K | $929.00K | $1.10M | $665.00K | $560.00K | $662.00K | $1.66M | $1.74M | $2.18M | $1.92M | $1.28M | $878.84K | $620.36K | $337.25K | $354.51K |
| Selling General and Administrative Expenses | $- | $9.26M | $10.15M | $13.37M | $14.78M | $10.81M | $10.79M | $10.74M | $9.97M | $4.16M | $10.18M | $20.03M | $22.45M | $25.44M | $25.61M | $19.64M | $17.72M | $15.44M | $13.09M | $12.19M |
| Other Expenses | $- | $- | $9.62M | $-6.85M | $-7.09M | $-7.66M | $-29.28M | $-28.72M | $-22.17M | $-5.28M | $-26.39M | $-44.53M | $-46.03M | $-7.97M | $-16.05M | $-17.84M | $- | $- | $- | $- |
| Operating Expenses | $- | $13.03M | $19.77M | $6.85M | $7.09M | $7.66M | $-18.49M | $-17.98M | $-12.20M | $2.66M | $-16.21M | $-24.50M | $-23.57M | $7.97M | $16.05M | $17.84M | $33.72M | $30.47M | $28.21M | $22.63M |
| Cost and Expenses | $- | $13.03M | $19.77M | $27.65M | $28.97M | $26.48M | $-18.49M | $-17.98M | $-12.20M | $2.66M | $-16.21M | $-24.50M | $-23.57M | $29.14M | $29.66M | $35.76M | $33.72M | $30.47M | $28.21M | $22.63M |
| Interest Income | $- | $21.75M | $21.44M | $20.43M | $19.19M | $18.85M | $17.62M | $17.79M | $14.25M | $12.52M | $11.21M | $8.43M | $7.44M | $7.73M | $9.54M | $8.76M | $8.88M | $8.67M | $8.32M | $6.52M |
| Interest Expense | $- | $11.10M | $11.99M | $11.24M | $10.45M | $9.98M | $9.23M | $7.68M | $5.20M | $3.95M | $2.11M | $1.17M | $1.33M | $1.42M | $1.53M | $2.09M | $2.26M | $2.34M | $2.54M | $2.95M |
| Depreciation and Amortization | $- | $-1.18M | $- | $629.00K | $551.00K | $501.00K | $617.00K | $594.00K | $533.00K | $733.00K | $252.00K | $500.00K | $495.00K | $1.10M | $1.21M | $1.27M | $1.13M | $1.85M | $-7.21M | $-3.35M |
| EBITDA | $- | $29.53M | $1.53M | $7.21M | $-1.40M | $-1.43M | $4.41M | $3.53M | $- | $4.29M | $5.25M | $- | $- | $4.29M | $2.99M | $18.72M | $11.20M | $10.98M | $- | $- |
| EBITDA Ratio | 0.00% | 104.03% | 5.07% | 24.95% | -4.63% | -4.95% | 20.90% | 17.79% | 0.00% | 27.26% | 29.32% | 0.00% | 0.00% | 14.42% | 10.73% | 46.67% | 34.52% | 35.58% | 0.00% | 0.00% |
| Operating Income | $-463.00K | $15.35M | $3.71M | $-10.00K | $1.46M | $-6.00K | $2.60M | $1.85M | $4.81M | $3.46M | $1.70M | $-573.00K | $27.00K | $3.18M | $1.78M | $17.45M | $10.07M | $7.48M | $7.07M | $3.17M |
| Operating Income Ratio | - | 54.10% | 12.25% | -0.03% | 4.85% | -0.02% | 12.31% | 9.31% | 28.26% | 21.96% | 9.47% | -2.39% | 0.11% | 10.71% | 6.38% | 43.50% | 31.04% | 24.23% | 23.88% | 15.32% |
| Total Other Income Expenses Net | $128.00K | $-2.31M | $-2.17M | $-3.24M | $7.30M | $-4.02M | $-3.03M | $-2.29M | $-2.13M | $-2.23M | $983.00K | $-573.00K | $27.00K | $-18.56M | $96.00K | $5.09M | $-2.90M | $-2.78M | $-3.23M | $- |
| Income Before Tax | $-335.00K | $13.05M | $1.53M | $1.23M | $1.18M | $2.37M | $2.64M | $1.88M | $1.15M | $2.79M | $4.07M | $-573.00K | $27.00K | $3.18M | $1.78M | $17.45M | $10.07M | $7.48M | $7.07M | $3.17M |
| Income Before Tax Ratio | - | 45.97% | 5.07% | 4.24% | 3.91% | 8.20% | 12.54% | 9.47% | 6.74% | 17.68% | 22.71% | -2.39% | 0.11% | 10.71% | 6.38% | 43.50% | 31.04% | 24.23% | 23.88% | 15.32% |
| Income Tax Expense | $-335.00K | $3.27M | $398.00K | $349.00K | $296.00K | $704.00K | $674.00K | $461.00K | $280.00K | $672.00K | $983.00K | $-291.00K | $14.00K | $372.00K | $499.00K | $4.43M | $2.56M | $1.87M | $1.81M | $827.93K |
| Net Income | $-335.00K | $9.78M | $1.14M | $866.00K | $824.00K | $1.66M | $1.92M | $1.39M | $739.00K | $2.11M | $3.08M | $-282.00K | $13.00K | $2.60M | $1.05M | $12.78M | $7.18M | $5.30M | $5.05M | $2.17M |
| Net Income Ratio | - | 34.44% | 3.75% | 3.00% | 2.73% | 5.74% | 9.12% | 6.99% | 4.35% | 13.41% | 17.22% | -1.18% | 0.06% | 8.76% | 3.77% | 31.87% | 22.13% | 17.18% | 17.06% | 10.47% |
| EPS | $1.84 | $2.03 | $0.28 | $0.22 | $0.21 | $0.40 | $0.42 | $0.29 | $0.18 | $0.52 | $0.73 | $-0.07 | $0.00 | $0.66 | $0.26 | $3.34 | $2.05 | $1.52 | $1.47 | $0.63 |
| EPS Diluted | $-0.17 | $2.11 | $0.28 | $0.22 | $0.21 | $0.40 | $0.41 | $0.29 | $0.18 | $0.48 | $0.71 | $-0.07 | $0.00 | $0.61 | $0.26 | $2.98 | $1.82 | $1.52 | $1.37 | $0.63 |
| Weighted Average Shares Outstanding | - | 4.13M | 3.99M | 3.99M | 3.99M | 4.11M | 4.11M | 4.10M | 4.08M | 4.04M | 4.25M | 4.01M | 4.00M | 3.94M | 3.87M | 3.82M | 3.51M | 3.47M | 3.44M | 3.44M |
| Weighted Average Shares Outstanding Diluted | - | 4.45M | 3.99M | 3.99M | 3.99M | 4.11M | 4.36M | 4.10M | 4.08M | 4.36M | 4.34M | 4.01M | 4.00M | 4.27M | 3.91M | 4.32M | 4.04M | 3.49M | 3.71M | 3.41M |
| SEC Filing | Source | Source | Source | Source | Source | Source | Source | Source | Source | Source | Source | Source | Source | Source | Source | Source | Source | Source | Source | Source |
Annual Balance Sheet
| Breakdown | December 31, 2024 | December 31, 2023 | December 31, 2022 | December 31, 2021 | December 31, 2020 |
|---|---|---|---|---|---|
| Cash and Cash Equivalents | $479.00K | $63.03M | $70.93M | $112.11M | $57.76M |
| Short Term Investments | $8.88M | $-4.65M | $42.35M | $30.89M | $- |
| Cash and Short Term Investments | $479.00K | $58.38M | $113.28M | $143.00M | $57.76M |
| Net Receivables | $- | $- | $4.45M | $3.56M | $7.30M |
| Inventory | $- | $- | $- | $-115.64M | $-65.06M |
| Other Current Assets | $- | $- | $75.38M | $- | $- |
| Total Current Assets | $479.00K | $58.38M | $112.85M | $146.56M | $65.06M |
| Property Plant Equipment Net | $49.06M | $41.29M | $38.62M | $34.21M | $21.85M |
| Goodwill | $- | $- | $- | $- | $- |
| Intangible Assets | $16.53M | $14.96M | $10.91M | $6.62M | $8.16M |
| Goodwill and Intangible Assets | $16.53M | $14.96M | $10.91M | $6.62M | $8.16M |
| Long Term Investments | $38.78M | $155.21M | $47.35M | $30.89M | $41.29K |
| Tax Assets | $-38.78M | $- | $980.00K | $454.00K | $12.16M |
| Other Non-Current Assets | $1.11B | $851.11M | $-58.26M | $-454.00K | $-12.16M |
| Total Non-Current Assets | $1.21B | $1.06B | $39.60M | $71.73M | $30.05M |
| Other Assets | $77.31M | $-3.18M | $786.45M | $698.80M | $1.45B |
| Total Assets | $1.29B | $1.12B | $938.89M | $917.10M | $1.54B |
| Account Payables | $- | $882.00K | $704.00K | $326.00K | $2.00M |
| Short Term Debt | $- | $- | $- | $- | $- |
| Tax Payables | $- | $- | $- | $- | $- |
| Deferred Revenue | $- | $- | $980.00K | $-44.32M | $753.38K |
| Other Current Liabilities | $11.45M | $8.98M | $-1.68M | $43.99M | $-2.00M |
| Total Current Liabilities | $11.45M | $9.86M | $6.38M | $326.00K | $2.00M |
| Long Term Debt | $7.89M | $20.96M | $12.32M | $3.30M | $9.70M |
| Deferred Revenue Non-Current | $- | $-13.10M | $-8.37M | $7.40M | $5.27M |
| Deferred Tax Liabilities Non-Current | $- | $482.00K | $8.37M | $6.63M | $8.36M |
| Other Non-Current Liabilities | $1.16B | $985.76M | $834.69M | $817.51M | $-9.70M |
| Total Non-Current Liabilities | $1.17B | $1.01B | $840.63M | $14.03M | $13.63M |
| Other Liabilities | $- | $- | $- | $806.45M | $1.46B |
| Total Liabilities | $1.18B | $1.02B | $847.01M | $820.80M | $1.47B |
| Preferred Stock | $15.73M | $15.73M | $9.28M | $9.28M | $14.68M |
| Common Stock | $54.76M | $54.52M | $53.02M | $51.50M | $43.04M |
| Retained Earnings | $44.13M | $34.40M | $33.48M | $35.95M | $13.39M |
| Accumulated Other Comprehensive Income Loss | $-2.96M | $-3.94M | $-3.72M | $-420.00K | $-40.96K |
| Other Total Stockholders Equity | $-752.00K | $- | $-178.00K | $-17.00K | $-40.96K |
| Total Stockholders Equity | $110.92M | $100.71M | $91.88M | $96.29M | $71.07M |
| Total Equity | $110.92M | $100.71M | $91.88M | $96.29M | $71.07M |
| Total Liabilities and Stockholders Equity | $1.29B | $1.12B | $938.89M | $917.10M | $1.54B |
| Minority Interest | $- | $- | $- | $- | $- |
| Total Liabilities and Total Equity | $1.29B | $1.12B | $938.89M | $917.10M | $1.54B |
| Total Investments | $47.66M | $155.21M | $89.70M | $61.79M | $41.29K |
| Total Debt | $7.89M | $20.96M | $37.37M | $14.03M | $13.63M |
| Net Debt | $-69.90M | $-42.07M | $-33.55M | $-98.08M | $-44.13M |
Balance Sheet Charts
| Breakdown | March 31, 2025 | December 31, 2024 | September 30, 2024 | June 30, 2024 | March 31, 2024 | December 31, 2023 | September 30, 2023 | June 30, 2023 | March 31, 2023 | December 31, 2022 | September 30, 2022 | June 30, 2022 | March 31, 2022 | December 31, 2021 | September 30, 2021 | June 30, 2021 | March 31, 2021 | December 31, 2020 | September 30, 2020 | June 30, 2020 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash and Cash Equivalents | $56.64M | $77.79M | $4.71M | $63.03M | $60.51M | $63.03M | $117.18M | $108.59M | $136.55M | $70.93M | $41.38M | $72.82M | $125.98M | $112.11M | $109.48M | $107.72M | $63.38M | $57.76M | $36.86M | $159.77M |
| Short Term Investments | $36.32M | $8.88M | $37.98M | $38.69M | $42.51M | $39.58M | $39.68M | $41.34M | $42.44M | $42.35M | $42.91M | $45.28M | $41.66M | $30.89M | $32.53M | $22.67M | $- | $- | $- | $- |
| Cash and Short Term Investments | $92.95M | $77.79M | $42.69M | $60.77M | $57.51M | $-4.10M | $156.87M | $149.93M | $178.98M | $113.28M | $84.29M | $118.10M | $167.64M | $143.00M | $142.01M | $130.39M | $63.38M | $57.76M | $36.86M | $159.77M |
| Net Receivables | $9.15M | $- | $8.54M | $8.00M | $7.62M | $- | $6.91M | $5.93M | $5.55M | $4.45M | $3.79M | $3.19M | $3.15M | $3.56M | $4.29M | $- | $- | $7.30M | $- | $2.94M |
| Inventory | $- | $- | $- | $-68.77M | $-65.13M | $-3.03M | $-124.09M | $-114.52M | $-142.09M | $- | $-45.17M | $-76.01M | $-129.13M | $-115.67M | $-113.77M | $-114.76M | $- | $- | $- | $- |
| Other Current Assets | $- | $- | $75.18M | $- | $- | $70.16M | $- | $- | $- | $75.38M | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
| Total Current Assets | $102.11M | $479.00K | $126.41M | $72.67M | $68.53M | $70.16M | $163.77M | $155.86M | $184.53M | $112.85M | $88.08M | $121.29M | $170.79M | $146.56M | $146.31M | $137.43M | $71.96M | $65.06M | $42.12M | $162.70M |
| Property Plant Equipment Net | $48.25M | $49.06M | $40.75M | $41.39M | $41.83M | $41.29M | $40.59M | $42.86M | $40.77M | $38.62M | $35.76M | $34.91M | $35.20M | $34.21M | $28.97M | $21.08M | $18.30M | $21.85M | $16.88M | $16.66M |
| Goodwill | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
| Intangible Assets | $- | $16.53M | $15.97M | $15.77M | $15.74M | $14.96M | $14.22M | $12.82M | $11.62M | $10.91M | $9.93M | $7.95M | $7.60M | $6.62M | $6.16M | $6.81M | $7.44M | $8.16M | $9.17M | $10.03M |
| Goodwill and Intangible Assets | $- | $16.53M | $15.97M | $15.77M | $15.74M | $14.96M | $14.22M | $12.82M | $11.62M | $10.91M | $9.93M | $7.95M | $7.60M | $6.62M | $6.16M | $6.81M | $7.44M | $8.16M | $9.17M | $10.03M |
| Long Term Investments | $- | $38.78M | $40.47M | $152.08M | $141.30M | $155.21M | $42.16M | $43.83M | $44.92M | $47.35M | $47.92M | $50.30M | $41.66M | $30.89M | $32.54M | $25.50M | $2.75M | $41.29K | $2.75M | $2.75M |
| Tax Assets | $- | $-38.78M | $- | $1.00M | $894.14M | $778.89M | $414.00K | $925.00K | $1.34M | $980.00K | $1.94M | $1.34M | $490.00K | $7.08M | $- | $- | $- | $- | $- | $- |
| Other Non-Current Assets | $- | $1.11B | $- | $934.96M | $-17.35M | $57.26M | $-414.00K | $-925.00K | $-1.34M | $-58.26M | $-1.94M | $-1.34M | $-490.00K | $-7.08M | $-67.66M | $-53.38M | $-28.50M | $-30.05M | $-28.80M | $-29.43M |
| Total Non-Current Assets | $48.25M | $1.21B | $97.19M | $1.15B | $1.08B | $1.05B | $96.97M | $99.50M | $97.31M | $39.60M | $93.62M | $93.17M | $84.46M | $71.73M | $67.66M | $53.38M | $28.50M | $30.05M | $28.80M | $29.43M |
| Other Assets | $1.14B | $77.31M | $1.02B | $- | $1 | $- | $873.24M | $832.04M | $788.00M | $786.45M | $748.58M | $706.92M | $633.29M | $698.80M | $729.78M | $1.01B | $1.62B | $1.45B | $1.43B | $1.28B |
| Total Assets | $1.29B | $1.29B | $1.25B | $1.22B | $1.14B | $1.12B | $1.13B | $1.09B | $1.07B | $938.89M | $930.27M | $921.38M | $888.54M | $917.10M | $943.74M | $1.20B | $1.72B | $1.54B | $1.50B | $1.47B |
| Account Payables | $- | $1.04M | $1.11M | $1.17M | $1.60M | $882.00K | $632.00K | $572.00K | $860.00K | $704.00K | $236.00K | $31.00K | $86.00K | $326.00K | $562.00K | $- | $- | $2.00M | $- | $- |
| Short Term Debt | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
| Tax Payables | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
| Deferred Revenue | $- | $- | $- | $-1.17M | $-1.60M | $-882.00K | $-941.00K | $-31.14M | $-25.16M | $980.00K | $1.94M | $-40.73M | $-1.01M | $454.00K | $- | $- | $- | $- | $- | $- |
| Other Current Liabilities | $- | $-1.04M | $96.00M | $-1.17M | $-1.60M | $-882.00K | $309.00K | $30.56M | $24.30M | $-704.00K | $-2.17M | $40.70M | $922.00K | $-326.00K | $-562.00K | $81.15M | $- | $-2.00M | $- | $- |
| Total Current Liabilities | $- | $12.48M | $97.11M | $953.53M | $903.55M | $635.50M | $632.00K | $572.00K | $860.00K | $6.38M | $236.00K | $31.00K | $86.00K | $326.00K | $562.00K | $81.15M | $23.14M | $2.00M | $18.64M | $- |
| Long Term Debt | $1.82M | $7.89M | $20.27M | $9.71M | $10.44M | $10.50M | $2.50M | $11.12M | $5.94M | $12.32M | $40.30M | $53.08M | $13.55M | $9.28M | $9.40M | $9.51M | $9.59M | $13.63M | $20.81M | $20.92M |
| Deferred Revenue Non-Current | $- | $- | $-14.21M | $949.50M | $910.88M | $892.55M | $- | $- | $- | $-8.37M | $- | $- | $- | $7.40M | $- | $- | $- | $- | $- | $- |
| Deferred Tax Liabilities Non-Current | $648.00K | $- | $1.49M | $1.00M | $728.00K | $482.00K | $- | $- | $- | $8.37M | $- | $- | $- | $6.63M | $- | $- | $- | $- | $- | $- |
| Other Non-Current Liabilities | $- | $1.16B | $1.11B | $1.11B | $1.03B | $1.01B | $1.04B | $985.21M | $973.56M | $833.71M | $799.34M | $775.01M | $780.11M | $811.07M | $840.05M | $-9.51M | $-9.59M | $-13.63M | $-20.81M | $-20.92M |
| Total Non-Current Liabilities | $2.47M | $1.17B | $1.13B | $163.37M | $140.01M | $381.56M | $11.26M | $41.58M | $860.00K | $840.63M | $236.00K | $53.08M | $13.55M | $14.03M | $13.94M | $9.51M | $9.59M | $13.63M | $20.81M | $20.92M |
| Other Liabilities | $1.18B | $-1.04M | $-88.92M | $1 | $- | $1 | $1.03B | $954.18M | $977.78M | $- | $839.17M | $774.98M | $780.03M | $806.45M | $834.94M | $-81.15M | $-23.14M | $1.46B | $-18.64M | $- |
| Total Liabilities | $1.18B | $1.18B | $1.14B | $1.12B | $1.04B | $1.02B | $1.04B | $996.33M | $979.50M | $847.01M | $839.64M | $828.08M | $793.66M | $820.80M | $849.45M | $9.51M | $9.59M | $1.47B | $20.81M | $20.92M |
| Preferred Stock | $15.73M | $15.73M | $15.73M | $15.73M | $15.73M | $15.73M | $11.12M | $9.28M | $9.28M | $9.28M | $9.28M | $9.28M | $9.28M | $9.28M | $10.35M | $10.62M | $12.95M | $14.68M | $11.38M | $7.66M |
| Common Stock | $54.66M | $54.76M | $54.78M | $54.77M | $54.78M | $54.52M | $54.50M | $53.74M | $54.00M | $53.02M | $52.77M | $52.43M | $52.25M | $51.50M | $50.55M | $49.50M | $46.17M | $43.04M | $42.50M | $42.20M |
| Retained Earnings | $43.08M | $44.13M | $35.07M | $34.65M | $34.50M | $34.40M | $33.41M | $32.02M | $31.17M | $33.48M | $32.69M | $34.62M | $35.43M | $35.95M | $33.62M | $32.85M | $20.34M | $13.39M | $8.32M | $3.50M |
| Accumulated Other Comprehensive Income Loss | $-2.38M | $-2.96M | $-2.31M | $-4.19M | $-4.38M | $-3.94M | $-3.62M | $-3.24M | $-3.18M | $-3.72M | $-3.78M | $-2.57M | $-1.46M | $-420.00K | $-201.00K | $-121.72K | $-35.04K | $-41.00K | $-46.87K | $- |
| Other Total Stockholders Equity | $-1.01M | $-752.00K | $-978.00K | $- | $- | $- | $-1.24M | $-1.39M | $-940.00K | $-178.00K | $-323.00K | $-467.00K | $-630.00K | $-17.00K | $-23.00K | $-29.13K | $-35.04K | $470 | $-46.87K | $-52.79K |
| Total Stockholders Equity | $110.08M | $110.92M | $102.29M | $100.96M | $100.63M | $100.71M | $94.17M | $91.06M | $90.34M | $91.88M | $90.64M | $93.30M | $94.88M | $96.29M | $94.30M | $92.81M | $79.42M | $71.07M | $62.15M | $53.31M |
| Total Equity | $110.08M | $110.92M | $102.29M | $100.96M | $100.63M | $100.71M | $94.17M | $91.06M | $90.34M | $91.88M | $90.64M | $93.30M | $94.88M | $96.29M | $94.30M | $92.81M | $79.42M | $71.07M | $62.15M | $53.31M |
| Total Liabilities and Stockholders Equity | $1.29B | $1.29B | $1.25B | $1.22B | $1.14B | $1.12B | $1.13B | $1.09B | $1.07B | $938.89M | $930.27M | $921.38M | $888.54M | $917.10M | $943.74M | $1.20B | $1.72B | $1.54B | $1.50B | $1.47B |
| Minority Interest | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
| Total Liabilities and Total Equity | $1.29B | $1.29B | $1.25B | $1.22B | $1.14B | $1.12B | $1.13B | $1.09B | $1.07B | $938.89M | $930.27M | $921.38M | $888.54M | $917.10M | $943.74M | $1.20B | $1.72B | $1.54B | $1.50B | $1.47B |
| Total Investments | $36.32M | $47.66M | $78.45M | $152.08M | $141.30M | $155.21M | $81.85M | $85.17M | $87.35M | $89.70M | $90.84M | $95.58M | $83.31M | $61.79M | $65.07M | $48.17M | $2.75M | $41.29K | $2.75M | $2.75M |
| Total Debt | $1.82M | $7.89M | $20.27M | $65.61M | $25.90M | $20.96M | $11.26M | $41.58M | $36.93M | $37.37M | $40.30M | $53.08M | $13.55M | $14.03M | $13.94M | $9.51M | $9.59M | $13.63M | $20.81M | $20.92M |
| Net Debt | $-54.82M | $-69.90M | $-46.37M | $2.58M | $-34.61M | $-42.07M | $-105.92M | $-67.01M | $-99.61M | $-33.55M | $-1.07M | $-19.74M | $-112.43M | $-98.08M | $-95.54M | $-98.21M | $-53.79M | $-44.13M | $-16.05M | $-138.84M |
Annual Cash Flow
| Breakdown | December 31, 2024 | December 31, 2023 | December 31, 2022 | December 31, 2021 | December 31, 2020 |
|---|---|---|---|---|---|
| Net Income | $12.67M | $5.92M | $5.48M | $24.62M | $12.70M |
| Depreciation and Amortization | $8.72M | $6.75M | $4.97M | $4.75M | $5.09M |
| Deferred Income Tax | $- | $2.12M | $424.00K | $3.50M | $-3.71M |
| Stock Based Compensation | $419.00K | $631.00K | $850.00K | $518.00K | $416.00K |
| Change in Working Capital | $- | $-6.86M | $1.02M | $-1.18M | $-4.29M |
| Accounts Receivables | $- | $- | $-920.00K | $3.74M | $-5.18M |
| Inventory | $- | $- | $- | $- | $- |
| Accounts Payables | $154.00K | $- | $378.00K | $-1.67M | $1.78M |
| Other Working Capital | $5.75M | $-6.86M | $1.56M | $-3.24M | $-890.75K |
| Other Non Cash Items | $368.72M | $446.24M | $427.50M | $69.00M | $-118.04M |
| Net Cash Provided by Operating Activities | $390.53M | $454.80M | $440.25M | $101.21M | $-107.80M |
| Investments in Property Plant and Equipment | $-1.69M | $-7.58M | $-8.06M | $-13.30M | $-3.05M |
| Acquisitions Net | $- | $- | $- | $659.15M | $- |
| Purchases of Investments | $- | $- | $-23.89M | $-33.21M | $- |
| Sales Maturities of Investments | $7.67M | $6.18M | $2.86M | $1.68M | $1.99K |
| Other Investing Activities | $-521.91M | $-639.88M | $-481.51M | $-12.46M | $-930.33M |
| Net Cash Used for Investing Activities | $-515.93M | $-641.28M | $-510.61M | $601.86M | $-933.38M |
| Debt Repayment | $-10.46M | $-15.51M | $-70.11M | $-812.06M | $869.92M |
| Common Stock Issued | $- | $289.00K | $509.00K | $1.85M | $916.00K |
| Common Stock Repurchased | $-23.00K | $-13.00K | $-49.00K | $- | $- |
| Dividends Paid | $-2.86M | $-2.28M | $-2.12M | $-2.06M | $-1.78M |
| Other Financing Activities | $158.14M | $196.32M | $98.44M | $163.62M | $116.73M |
| Net Cash Used Provided by Financing Activities | $144.80M | $178.82M | $26.67M | $-648.73M | $985.98M |
| Effect of Forex Changes on Cash | $- | $- | $- | $- | $- |
| Net Change in Cash | $19.40M | $-7.66M | $-43.68M | $54.35M | $-55.20M |
| Cash at End of Period | $77.79M | $58.38M | $66.05M | $109.73M | $55.38M |
| Cash at Beginning of Period | $58.38M | $66.05M | $109.73M | $55.38M | $110.58M |
| Operating Cash Flow | $390.53M | $454.80M | $440.25M | $101.21M | $-107.80M |
| Capital Expenditure | $-1.69M | $-7.58M | $-8.06M | $-13.30M | $-3.05M |
| Free Cash Flow | $388.84M | $447.21M | $432.19M | $87.92M | $-110.85M |
Cash Flow Charts
| Breakdown | December 31, 2024 | September 30, 2024 | June 30, 2024 | March 31, 2024 | December 31, 2023 | September 30, 2023 | June 30, 2023 | March 31, 2023 | December 31, 2022 | September 30, 2022 | June 30, 2022 | March 31, 2022 | December 31, 2021 | September 30, 2021 | June 30, 2021 | March 31, 2021 | December 31, 2020 | September 30, 2020 | June 30, 2020 | March 31, 2020 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | $9.78M | $1.14M | $876.00K | $883.00K | $1.66M | $1.97M | $1.42M | $867.00K | $2.11M | $3.63M | $-282.00K | $13.00K | $2.81M | $1.28M | $13.02M | $7.51M | $5.61M | $5.25M | $2.35M | $-501.03K |
| Depreciation and Amortization | $2.49M | $2.17M | $2.12M | $551.00K | $501.00K | $1.76M | $1.65M | $1.41M | $1.51M | $978.00K | $1.28M | $1.20M | $1.10M | $1.25M | $1.27M | $1.13M | $1.89M | $721.00K | $- | $- |
| Deferred Income Tax | $- | $209.00K | $275.00K | $288.00K | $758.00K | $644.00K | $434.00K | $283.00K | $737.00K | $-170.00K | $-446.00K | $303.00K | $-1.26M | $-27.41M | $3.17M | $-1.90M | $-28.33M | $2.23M | $- | $- |
| Stock Based Compensation | $- | $128.00K | $101.00K | $72.00K | $172.00K | $236.00K | $131.00K | $92.00K | $335.00K | $225.00K | $189.00K | $179.00K | $159.00K | $105.00K | $94.00K | $160.00K | $165.12K | $98.00K | $49.00K | $- |
| Change in Working Capital | $2.38M | $7.25M | $-2.23M | $-3.52M | $-1.35M | $537.00K | $492.00K | $-6.53M | $2.02M | $4.57M | $2.84M | $-8.40M | $-3.16M | $1.27M | $6.74M | $-6.03M | $5.24M | $-5.60M | $- | $- |
| Accounts Receivables | $- | $870.00K | $-375.00K | $-495.00K | $-223.00K | $-978.00K | $-382.00K | $-1.09M | $-663.00K | $-631.00K | $-40.00K | $414.00K | $728.00K | $2.75M | $1.54M | $-1.28M | $-2.04M | $-2.33M | $- | $- |
| Inventory | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
| Accounts Payables | $- | $-290.00K | $-426.00K | $716.00K | $250.00K | $60.00K | $-288.00K | $156.00K | $468.00K | $205.00K | $-55.00K | $-240.00K | $-236.00K | $-366.00K | $34.00K | $-1.10M | $701.49K | $- | $- | $- |
| Other Working Capital | $2.38M | $6.67M | $-1.42M | $-3.02M | $-1.38M | $1.46M | $1.16M | $-5.59M | $2.21M | $4.99M | $2.93M | $-8.57M | $-3.65M | $-1.11M | $5.16M | $-3.64M | $6.58M | $-3.28M | $- | $- |
| Other Non Cash Items | $82.89M | $-213.12M | $77.60M | $126.37M | $-7.78M | $129.91M | $123.15M | $69.08M | $150.10M | $120.61M | $44.33M | $112.45M | $-27.12M | $57.83M | $67.89M | $1.32M | $-30.21M | $-47.46M | $-2.39M | $501.03K |
| Net Cash Provided by Operating Activities | $97.53M | $-202.22M | $78.74M | $123.48M | $-6.04M | $135.06M | $127.27M | $65.21M | $156.81M | $129.77M | $47.91M | $105.76M | $-27.47M | $34.33M | $92.17M | $2.18M | $-45.63M | $-46.98M | $49.00K | $- |
| Investments in Property Plant and Equipment | $- | $1.39M | $-390.00K | $-1.00M | $-1.38M | $-460.00K | $-2.87M | $-2.87M | $-3.13M | $-2.10M | $-976.00K | $-1.86M | $-5.50M | $-3.98M | $-3.21M | $-602.00K | $-1.61M | $-577.00K | $- | $- |
| Acquisitions Net | $- | $- | $- | $- | $-27.79M | $-2.20M | $- | $- | $- | $- | $- | $- | $42.37M | $- | $- | $- | $- | $- | $- | $- |
| Purchases of Investments | $227.00K | $6.82M | $-2.36M | $-4.46M | $-1.00M | $1.08M | $-1.29M | $- | $23.89M | $447.00K | $-11.52M | $-12.82M | $33.21M | $-9.77M | $-23.43M | $- | $- | $- | $- | $- |
| Sales Maturities of Investments | $1.05M | $1.74M | $3.91M | $1.22M | $-1.37M | $1.12M | $994.00K | $3.13M | $270.00K | $1.04M | $908.00K | $640.00K | $1.28M | $244.00K | $144.00K | $10.00K | $1.99K | $- | $- | $- |
| Other Investing Activities | $-105.63M | $-121.10M | $-150.88M | $-458.00K | $2.31M | $-170.00M | $-168.04M | $-137.15M | $-154.13M | $-168.59M | $-125.23M | $-57.45M | $-12.00M | $237.41M | $506.86M | $-161.17M | $36.67M | $-99.83M | $- | $- |
| Net Cash Used for Investing Activities | $-104.35M | $-111.14M | $-149.72M | $-150.71M | $-29.22M | $-170.46M | $-171.20M | $-136.89M | $-133.10M | $-169.19M | $-136.82M | $-71.49M | $59.36M | $223.90M | $480.36M | $-161.76M | $35.07M | $-100.40M | $- | $- |
| Debt Repayment | $-10.11M | $-45.11M | $39.89M | $4.89M | $9.89M | $- | $4.84M | $-113.00K | $-114.00K | $-114.00K | $39.89M | $-69.77M | $-75.13M | $-299.42M | $-513.62M | $76.04M | $-19.62M | $86.98M | $- | $- |
| Common Stock Issued | $- | $- | $- | $- | $-7.00K | $41.00K | $129.00K | $126.00K | $85.00K | $302.00K | $109.00K | $13.00K | $160.00K | $315.00K | $872.00K | $519.00K | $238.00K | $- | $- | $- |
| Common Stock Repurchased | $-5.00K | $-5.00K | $-6.00K | $- | $-7.00K | $-3.00K | $-10.00K | $- | $- | $- | $- | $-49.00K | $- | $- | $- | $- | $- | $- | $- | $- |
| Dividends Paid | $-715.00K | $-717.00K | $-716.00K | $-716.00K | $-669.00K | $-536.00K | $-537.00K | $-536.00K | $-529.00K | $-532.00K | $-529.00K | $-529.00K | $-486.00K | $-504.00K | $-506.00K | $-565.00K | $-537.29K | $-432.00K | $- | $- |
| Other Financing Activities | $31.13M | $69.81M | $35.07M | $22.13M | $-27.91M | $44.73M | $11.55M | $137.83M | $6.47M | $8.63M | $-4.61M | $48.44M | $46.27M | $43.07M | $-14.94M | $89.21M | $51.39M | $-62.07M | $- | $- |
| Net Cash Used Provided by Financing Activities | $20.30M | $23.97M | $74.24M | $26.30M | $-18.70M | $44.24M | $15.97M | $137.31M | $5.83M | $7.99M | $34.74M | $-21.89M | $-29.18M | $-256.55M | $-528.20M | $165.20M | $31.47M | $24.48M | $- | $- |
| Effect of Forex Changes on Cash | $- | $- | $- | $- | $-207.00K | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $47 | $157.38M | $- | $- |
| Net Change in Cash | $13.40M | $3.61M | $3.27M | $-880.00K | $-54.17M | $8.85M | $-27.96M | $65.62M | $29.55M | $-31.44M | $-54.16M | $12.37M | $2.70M | $1.69M | $44.34M | $5.62M | $20.90M | $34.48M | $49.00K | $- |
| Cash at End of Period | $77.79M | $64.38M | $60.77M | $57.51M | $58.38M | $112.55M | $103.71M | $131.67M | $66.05M | $36.50M | $67.94M | $122.10M | $109.73M | $107.02M | $105.34M | $61.00M | $55.38M | $34.48M | $49.00K | $- |
| Cash at Beginning of Period | $64.38M | $60.77M | $57.51M | $58.38M | $112.55M | $103.71M | $131.67M | $66.05M | $36.50M | $67.94M | $122.10M | $109.73M | $107.02M | $105.34M | $61.00M | $55.38M | $34.48M | $- | $- | $- |
| Operating Cash Flow | $97.53M | $90.78M | $78.74M | $123.48M | $-6.04M | $135.06M | $127.27M | $65.21M | $156.81M | $129.77M | $47.91M | $105.76M | $-27.47M | $34.33M | $92.17M | $2.18M | $-45.63M | $-46.98M | $49.00K | $- |
| Capital Expenditure | $- | $-315.00K | $-390.00K | $-1.00M | $-1.38M | $-460.00K | $-2.87M | $-2.87M | $-3.13M | $-2.10M | $-976.00K | $-1.86M | $-5.50M | $-3.98M | $-3.21M | $-602.00K | $-1.61M | $-577.00K | $- | $- |
| Free Cash Flow | $97.48M | $90.47M | $78.35M | $122.47M | $-7.42M | $134.60M | $124.41M | $62.33M | $153.69M | $127.67M | $46.94M | $103.89M | $-32.98M | $30.35M | $88.96M | $1.58M | $-47.24M | $-47.56M | $49.00K | $- |
BayFirst Financial Corp. operates as the bank holding company for First Home Bank that provides commercial and consumer banking services for businesses and individuals. The company offers checking and savings accounts, and certificates of deposit. It also provides home loans, including residential mortgages, home equity loans, and home equity lines of credit; and business lending services comprising minority lending programs, PPP loan forgiveness services, SBA loans, and commercial lending services. In addition, the company offers treasury management, merchant, online, and investment services; and credit cards. As of January 26, 2022, it operated seven full-service office locations in St. Petersburg, Seminole, Pinellas Park, Clearwater, Sarasota, Tampa, and Belleair Bluffs, Florida; and 23 mortgage loan production offices. The company was formerly known as First Home Bancorp, Inc. and changed its name to BayFirst Financial Corp. in May 2021. BayFirst Financial Corp. was founded in 1999 and is headquartered in Saint Petersburg, Florida.
$15.05
Stock Price
$62.14M
Market Cap
299
Employees
Saint Petersburg, FL
Location
Revenue (FY 2024)
$83.77M
10.6% YoY
Net Income (FY 2024)
$12.60M
121.0% YoY
EPS (FY 2024)
$2.68
160.2% YoY
Free Cash Flow (FY 2024)
$388.84M
-13.1% YoY
Profitability
Gross Margin
100.0%
Net Margin
15.0%
ROE
11.4%
ROA
1.0%
Valuation
P/E Ratio
5.04
P/S Ratio
0.76
EV/EBITDA
0.00
Market Cap
$62.14M
Revenue & Net Income
Profit Margins
Cash Flow Summary
Operating Cash Flow
$390.53M
-14.1% YoY
Free Cash Flow
$388.84M
-13.1% YoY
Balance Sheet Summary
Total Assets
$1.29B
15.3% YoY
Total Debt
$7.89M
62.4% YoY
Shareholder Equity
$110.92M
-5.5% YoY
Dividend Overview
$0.08
Latest Dividend
%
Dividend Yield
%
Payout Ratio
Recent Dividend History
| Date | Amount | Type |
|---|---|---|
| 2025-05-30 | $0.08 | May 30, 25 |
| 2025-02-28 | $0.08 | February 28, 25 |
| 2024-11-29 | $0.08 | November 29, 24 |
| 2024-08-30 | $0.08 | August 30, 24 |
| 2024-05-31 | $0.08 | May 31, 24 |
| 2024-02-29 | $0.08 | February 29, 24 |
| 2023-11-30 | $0.08 | November 30, 23 |
| 2023-08-31 | $0.08 | August 31, 23 |
| 2023-05-31 | $0.08 | May 31, 23 |
| 2023-02-28 | $0.08 | February 28, 23 |
BayFirst Financial Dividends
Explore BayFirst Financial's dividend history, including dividend yield, payout ratio, and historical payments.
Dividend Yield
4.50%
Dividend Payout Ratio
22.72%
Dividend Paid & Capex Coverage Ratio
85.76x
BayFirst Financial Dividend History
| Dividend | Adjusted Dividend | Date | Record Date | Payment Date | Declaration Date |
|---|---|---|---|---|---|
| $0.08 | $0.08 | May 30, 2025 | June 01, 2025 | June 15, 2025 | April 24, 2025 |
| $0.08 | $0.08 | February 28, 2025 | March 01, 2025 | March 15, 2025 | January 30, 2025 |
| $0.08 | $0.08 | November 29, 2024 | December 01, 2024 | December 15, 2024 | October 22, 2024 |
| $0.08 | $0.08 | August 30, 2024 | September 01, 2024 | September 15, 2024 | July 23, 2024 |
| $0.08 | $0.08 | May 31, 2024 | June 01, 2024 | June 15, 2024 | April 25, 2024 |
| $0.08 | $0.08 | February 29, 2024 | March 01, 2024 | March 15, 2024 | January 23, 2024 |
| $0.08 | $0.08 | November 30, 2023 | December 01, 2023 | December 15, 2023 | October 24, 2023 |
| $0.08 | $0.08 | August 31, 2023 | September 01, 2023 | September 15, 2023 | July 25, 2023 |
| $0.08 | $0.08 | May 31, 2023 | June 01, 2023 | June 15, 2023 | April 27, 2023 |
| $0.08 | $0.08 | February 28, 2023 | March 01, 2023 | March 15, 2023 | January 26, 2023 |
| $0.08 | $0.08 | November 30, 2022 | December 01, 2022 | December 15, 2022 | October 25, 2022 |
| $0.08 | $0.08 | August 31, 2022 | September 01, 2022 | September 15, 2022 | July 28, 2022 |
| $0.08 | $0.08 | May 31, 2022 | June 01, 2022 | June 15, 2022 | April 29, 2022 |
| $0.08 | $0.08 | February 28, 2022 | March 01, 2022 | March 15, 2022 | January 27, 2022 |
| $0.07 | $0.07 | November 12, 2021 | November 15, 2021 | December 15, 2021 | October 26, 2021 |
| $0.07 | $0.07 | August 12, 2021 | August 15, 2021 | September 15, 2021 | July 30, 2021 |
| $0.07 | $0.07 | June 16, 2021 | May 15, 2021 | May 14, 2021 | |
| $0.1 | $0.0666667 | February 11, 2021 | February 15, 2021 | March 15, 2021 | January 28, 2021 |
| $0.1 | $0.0666667 | November 12, 2020 | November 15, 2020 | December 15, 2020 | October 28, 2020 |
| $0.1 | $0.0666667 | August 13, 2020 | August 15, 2020 | September 15, 2020 | August 03, 2020 |
BayFirst Financial News
Read the latest news about BayFirst Financial, including recent articles, headlines, and updates.
BayFirst Financial Corp. Reports First Quarter 2025 Results
ST. PETERSBURG, Fla., April 24, 2025 (GLOBE NEWSWIRE) -- BayFirst Financial Corp. (NASDAQ: BAFN) (“BayFirst” or the “Company”), parent company of BayFirst National Bank (the “Bank”) today reported a net loss of $0.3 million, or $0.17 per common share and diluted common share, for the first quarter of 2025, a decrease of 103.4% compared to $9.8 million, or $2.27 per common share or $2.11 per diluted common share, in the fourth quarter of 2024.
Zacks Initiates Coverage of BayFirst With Outperform Recommendation
Find out why Zacks has given BayFirst an "Outperform" rating, being the first on Wall Street to initiate coverage on the stock. Explore how tech innovation, regional growth and strong earnings tailwinds position it as a standout in community banking.
BayFirst Announces First Quarter 2025 Conference Call and Webcast
ST. PETERSBURG, Fla., March 31, 2025 (GLOBE NEWSWIRE) -- BayFirst Financial Corp. (NASDAQ: BAFN) (“BayFirst” or the “Company”), parent company of BayFirst National Bank (the “Bank”) today announced that it will report its first quarter results after the market close on Thursday, April 24, 2025. Management will host a conference call on Friday, April 25, 2025, at 9:00 a.m. ET to discuss the results. The call will also be broadcast live via the internet.
BayFirst Financial Corp. Reports Fourth Quarter 2024 Results
Earnings per common share increased to $2.11 for the quarter and $2.64 for the year; Net interest margin expanded by 26bps; Announced share buyback program Earnings per common share increased to $2.11 for the quarter and $2.64 for the year; Net interest margin expanded by 26bps; Announced share buyback program
BayFirst Announces Fourth Quarter 2024 Conference Call and Webcast
ST. PETERSBURG, Fla., Dec. 31, 2024 (GLOBE NEWSWIRE) -- BayFirst Financial Corp. (NASDAQ: BAFN) (“BayFirst” or the “Company”), parent company of BayFirst National Bank (the “Bank”) today announced that it will report its fourth quarter results after the market close on Thursday, January 30, 2025. Management will host a conference call on Friday, January 31, 2025, at 9:00 a.m. ET to discuss the results. The call will also be broadcast live via the internet.
BayFirst Financial Corp. Reports Third Quarter 2024 Results; Third Quarter Net Income Increased 31.3% Over Prior Quarter
ST. PETERSBURG, Fla., Oct. 24, 2024 (GLOBE NEWSWIRE) -- BayFirst Financial Corp. (NASDAQ: BAFN) (“BayFirst” or the “Company”), parent company of BayFirst National Bank (the “Bank”) today reported net income of $1.1 million, or $0.18 per diluted common share, for the third quarter of 2024, an increase of 31.3% compared to $0.9 million, or $0.12 per diluted common share, in the second quarter of 2024.
BayFirst Financial Corp. Reports Second Quarter 2024 Results; Highlighted by Improved Operating Efficiencies and Lower Net Charge-Offs
ST. PETERSBURG, Fla., July 25, 2024 (GLOBE NEWSWIRE) -- BayFirst Financial Corp. (NASDAQ: BAFN) (“BayFirst” or the “Company”), parent company of BayFirst National Bank (the “Bank”) today reported net income of $0.9 million, or $0.12 per diluted common share, for the second quarter of 2024, an increase of 5.1% compared to $0.8 million, or $0.11 per diluted common share, in the first quarter of 2024. Net income increased due to higher net interest income and lower provision for credit losses and compensation expense, partially offset by lower gain on sale of government guaranteed loans resulting from a decrease in balance of loans sold.
BayFirst Announces Second Quarter 2024 Conference Call and Webcast
ST. PETERSBURG, Fla., June 28, 2024 (GLOBE NEWSWIRE) -- BayFirst Financial Corp. (NASDAQ: BAFN) (“BayFirst” or the “Company”), parent company of BayFirst National Bank (the “Bank”) today announced that it will report its second quarter results after the market close on Thursday, July 25, 2024. Management will host a conference call on Friday, July 26, 2024, at 9:00 a.m. ET to discuss the results. The call will also be broadcast live via the internet.
BayFirst Financial Corp. Reports First Quarter 2024 Results; Highlighted by Strong Loan and Deposit Growth with Higher Provision for Credit Losses
ST. PETERSBURG, Fla., April 25, 2024 (GLOBE NEWSWIRE) -- BayFirst Financial Corp. (NASDAQ: BAFN) (“BayFirst” or the “Company”), parent company of BayFirst National Bank (the “Bank”) today reported net income of $0.8 million, or $0.11 per diluted common share, for the first quarter of 2024, compared to $1.7 million, or $0.32 per diluted common share, in the fourth quarter of 2023. Net income decreased due to two primary factors: higher provision for credit losses of $1.4 million, coupled with weaker Core SBA 7(a) loan production ($350 thousand to $5 million loan size) attributed to the continued higher interest rate environment negatively impacting loan demand.
BayFirst Financial Corp. Announces First Quarter 2024 Conference Call and Webcast
ST. PETERSBURG, Fla., March 28, 2024 (GLOBE NEWSWIRE) -- BayFirst Financial Corp. (NASDAQ: BAFN) (“BayFirst” or the “Company”), parent company of BayFirst National Bank (the “Bank”) today announced that it will report its first quarter results after the market close on Thursday, April 25, 2024. Management will host a conference call on Friday, April 26, 2024, at 9:00 a.m. ET to discuss the results. The call will also be broadcast live via the internet.
BayFirst Financial Corp. Reports Fourth Quarter 2023 Results; Highlighted by Net Interest Margin Expansion and Strong SBA Loan Originations
ST. PETERSBURG, Fla., Jan. 25, 2024 (GLOBE NEWSWIRE) -- BayFirst Financial Corp. (NASDAQ: BAFN) (“BayFirst” or the “Company”), parent company of BayFirst National Bank (the “Bank”) today reported net income of $1.7 million, or $0.32 per diluted common share, for the fourth quarter of 2023 compared to $1.9 million, or $0.41 per diluted common share, in the third quarter of 2023. Net income from continuing operations was $1.7 million for the fourth quarter of 2023, compared to net income from continuing operations of $2.0 million in the third quarter of 2023 and $2.1 million in the fourth quarter of 2022.
BayFirst Financial Corp. Appoints Thomas G. Zernick as CEO and Names Robin Oliver as President, Effective January 1, 2024
ST. PETERSBURG, Fla., Jan. 02, 2024 (GLOBE NEWSWIRE) -- BayFirst Financial Corp. (NASDAQ: BAFN) (“BayFirst” or the “Company”), parent company of BayFirst National Bank (the “Bank”) today announced that its Board of Directors appointed Thomas Zernick as chief executive officer and named Robin Oliver president and chief operating officer, effective January 1, 2024. As previously announced, retiring Chief Executive Officer Anthony N. Leo will remain a director of the Company and will also serve as a part-time consultant for strategic matters.
BayFirst Financial Corp. Announces Fourth Quarter 2023 Conference Call and Webcast
ST. PETERSBURG, Fla., Dec. 29, 2023 (GLOBE NEWSWIRE) -- BayFirst Financial Corp. (NASDAQ: BAFN) (“BayFirst” or the “Company”), parent company of BayFirst National Bank (the “Bank”) today announced that it will report its fourth quarter results after the market close on Thursday, January 25, 2024. Management will host a conference call on Friday, January 26, 2024, at 9:00 a.m. ET to discuss the results. The call will also be broadcast live via the internet.
BayFirst Financial Corp. Reports Third Quarter 2023 Results; Highlighted by Third Consecutive Quarter of Earnings Growth and Continued Core Loan and Deposit Growth
ST. PETERSBURG, Fla., Oct. 26, 2023 (GLOBE NEWSWIRE) -- BayFirst Financial Corp. (NASDAQ: BAFN) (“BayFirst” or the “Company”), parent company of BayFirst National Bank (the “Bank”) today reported net income of $1.9 million, or $0.41 per diluted common share, for the third quarter of 2023 compared to $1.4 million, or $0.29 per diluted common share, in the second quarter of 2023. Net income from continuing operations was $2.0 million for the third quarter of 2023, compared to net income from continuing operations of $1.4 million in the second quarter of 2023 and $3.1 million in the third quarter of 2022.
BayFirst Announces Third Quarter 2023 Conference Call and Webcast
ST. PETERSBURG, Fla., Sept. 29, 2023 (GLOBE NEWSWIRE) -- BayFirst Financial Corp. (NASDAQ: BAFN) (“BayFirst” or the “Company”), parent company of BayFirst National Bank (the “Bank”) today announced that it will report its third quarter results after the market close on Thursday, October 26, 2023. Management will host a conference call on Friday, October 27, 2023, at 9:00 a.m. EDT to discuss the results. The call will also be broadcast live via the internet.
BayFirst Financial Corp. Reports Second Quarter 2023 Results; Highlighted by Continued Core Bank Growth and a Stable Net Interest Margin
ST. PETERSBURG, Fla., July 27, 2023 (GLOBE NEWSWIRE) -- BayFirst Financial Corp. (NASDAQ: BAFN) (“BayFirst” or the “Company”), parent company of BayFirst National Bank (the “Bank”) today reported net income of $1.4 million, or $0.29 per diluted common share, for the second quarter of 2023 compared to $0.7 million, or $0.13 per diluted common share, in the first quarter of 2023. Net income from continuing operations was $1.4 million for the second quarter of 2023, compared to net income from continuing operations of $0.9 million in the first quarter of 2023 and $0.4 million in the second quarter of 2022.
BayFirst Financial Corp. Names Scott J. McKim Next Chief Financial Officer at BayFirst National Bank
ST. PETERSBURG, Fla., July 25, 2023 (GLOBE NEWSWIRE) -- BayFirst Financial Corp. (NASDAQ: BAFN), announced today the appointment of Scott J. McKim as Executive Vice President and Chief Financial Officer (CFO) of BayFirst Financial Corp. and its wholly owned subsidiary, St. Petersburg, Fla.-based BayFirst National Bank.
BayFirst Announces Second Quarter 2023 Conference Call and Webcast
ST. PETERSBURG, Fla., June 30, 2023 (GLOBE NEWSWIRE) -- BayFirst Financial Corp. (NASDAQ: BAFN) (“BayFirst” or the “Company”), parent company of BayFirst National Bank (the “Bank”) today announced that it will report its second quarter results after the market close on Thursday, July 27, 2023. Management will host a conference call on Friday, July 28, 2023, at 9:00 a.m. EDT to discuss the results. The call will also be broadcast live via the internet.
BayFirst Announces First Quarter 2023 Conference Call and Webcast
ST. PETERSBURG, Fla., March 31, 2023 (GLOBE NEWSWIRE) -- BayFirst Financial Corp. (NASDAQ: BAFN) (“BayFirst” or the “Company”), parent company of BayFirst National Bank (the “Bank”) today announced that it will report its first quarter results after the market close on Thursday, April 27, 2023. Management will host a conference call on Friday, April 28, 2023, at 9:00 a.m. EDT to discuss the results. The call will also be broadcast live via the internet.
BayFirst Financial Corp. Announces Fourth Quarter 2022 Conference Call and Webcast
ST. PETERSBURG, Fla., Jan. 09, 2023 (GLOBE NEWSWIRE) -- BayFirst Financial Corp. (NASDAQ: BAFN) (“BayFirst” or the “Company”), parent company of BayFirst National Bank (the “Bank”) today announced that it will report its fourth quarter results before the market opens on Friday, January 27, 2023. That same day, management will host a conference call at 9:00 a.m. EST to discuss the results. The call will also be broadcast live via the internet.
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