BayFirst Financial financials
$7.21+11.96%
Close Sep 29, 2026 · split-adjustedRevenue
Net income
Income statement & cash flow
| Quarter | Q2 '26 Jun 30 | Q1 '26 Mar 31 | Q4 '25 Dec 31 | Q3 '25 Sep 30 | Q2 '25 Jun 30 | Q1 '25 Mar 31 | Q4 '24 Dec 31 | Q3 '24 Sep 30 | Q2 '24 Jun 30 | Q1 '24 Mar 31 | Q4 '23 Dec 31 | Q3 '23 Sep 30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $9.6M | $18.3M | $19.7M | $20.6M | $32.8M | $28.8M | $41.5M | $33.7M | $32.1M | $33.5M | $33.5M | $32.3M |
| Gross profit | $2.6M | $10.3M | $9.9M | $10.2M | $22.7M | $19.1M | $30.4M | $21.7M | $20.8M | $23.0M | $23.6M | $23.1M |
| Gross margin | 27.3% | 56.4% | 50.3% | 49.7% | 69.0% | 66.3% | 73.2% | 64.4% | 64.9% | 68.8% | 70.3% | 71.4% |
| Operating income | -$44.0M | -$8.0M | -$5.0M | -$25.9M | -$2.5M | -$1.3M | $9.8M | $1.5M | $1.2M | $1.2M | $2.4M | $2.6M |
| Net income | -$33.1M | -$6.3M | -$4.5M | -$19.3M | -$2.2M | -$1.3M | $7.0M | $752.0K | $480.0K | $439.0K | $1.3M | $1.7M |
| Net margin | −345.9% | −34.5% | −22.7% | −93.6% | −6.8% | −4.6% | 16.8% | 2.2% | 1.5% | 1.3% | 3.9% | 5.3% |
| Diluted EPS | $-8.05 | $-1.54 | $-1.09 | $-4.66 | $-0.54 | $-0.32 | $1.69 | $0.18 | $0.12 | $0.11 | $0.23 | $0.41 |
| EBITDA | -$44.0M | -$8.0M | -$5.0M | -$18.6M | -$2.5M | -$1.3M | $9.8M | $1.5M | $1.2M | $1.2M | $2.4M | $2.6M |
| Operating cash flow | -$452.0K | -$2.4M | $104.1M | $47.3M | $64.2M | $75.1M | $100.3M | $90.8M | $78.8M | $123.5M | $127.3M | $135.1M |
| Free cash flow | -$552.0K | -$2.4M | $104.0M | $47.3M | $64.0M | $75.0M | $85.6M | $90.5M | $78.4M | $122.5M | $125.9M | $134.6M |
| Diluted shares | 4.1M | 4.1M | 4.1M | 4.1M | 4.1M | 4.1M | 4.1M | 4.1M | 4.1M | 4.1M | 5.6M | 4.4M |
Balance sheet
| Period end | Jun 30 | Mar 31 | Dec 31 | Sep 30 | Jun 30 | Mar 31 |
|---|---|---|---|---|---|---|
| Cash & equivalents | $5.6M | $6.8M | $5.1M | $5.2M | $6.1M | $6.5M |
| Short-term investments | $167.0M | $163.3M | $238.4M | $154.0M | $111.7M | $102.9M |
| Total debt | $7.2M | $7.6M | $7.6M | $57.6M | $47.7M | $27.8M |
| Total assets | $1.13B | $1.19B | $1.29B | $1.35B | $1.34B | $1.29B |
| Total liabilities | $1.02B | $1.11B | $1.21B | $1.26B | $1.24B | $1.18B |
| Shareholders' equity | $115.9M | $75.6M | $81.6M | $89.7M | $108.2M | $110.1M |
From SEC filings via Massive. Fiscal periods follow the company's own calendar; free cash flow is operating cash flow minus capital expenditure.
Sources: Massive / Polygon daily aggregates (split-adjusted) · SEC filings via Massive · FINRA settlements via Massive · Financial Modeling Prep. Figures are dated where shown; research is informational, not investment advice. Methodology