BayFirst Financial financials
$7.21+11.96%
Close Sep 29, 2026 · split-adjustedRevenue
Net income
Income statement & cash flow
| Fiscal year | FY25 Dec 31 | FY24 Dec 31 | FY23 Dec 31 | FY22 Dec 31 | FY21 Dec 31 |
|---|---|---|---|---|---|
| Revenue | $103.1M | $140.7M | $118.3M | $70.1M | $65.8M |
| Gross profit | $63.1M | $96.0M | $86.2M | $61.5M | $58.5M |
| Gross margin | 61.2% | 68.2% | 72.9% | 87.8% | 88.9% |
| Operating income | -$33.0M | $13.8M | $8.0M | $7.0M | $11.7M |
| Net income | -$26.1M | $8.6M | $4.7M | -$1.2M | $23.6M |
| Net margin | −25.3% | 6.1% | 4.0% | −1.7% | 35.9% |
| Diluted EPS | $-6.32 | $2.09 | $1.12 | $-0.22 | $5.91 |
| EBITDA | -$25.7M | $13.8M | $8.0M | $7.0M | $11.7M |
| Operating cash flow | $288.8M | $393.4M | $454.8M | $440.3M | $495.4M |
| Free cash flow | $288.5M | $380.3M | $447.2M | $432.2M | $482.3M |
| Diluted shares | 4.1M | 4.1M | 4.6M | 4.2M | 4.1M |
Balance sheet
| Period end | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 |
|---|---|---|---|---|---|
| Cash & equivalents | $5.1M | $4.5M | $4.1M | $3.6M | $2.9M |
| Short-term investments | $238.4M | $118.9M | $105.8M | $118.7M | $143.0M |
| Total debt | $7.6M | $7.9M | $18.3M | $33.8M | $9.3M |
| Total assets | $1.29B | $1.28B | $1.12B | $938.9M | $917.1M |
| Total liabilities | $1.21B | $1.18B | $1.02B | $847.0M | $820.8M |
| Shareholders' equity | $81.6M | $106.6M | $100.7M | $91.9M | $96.3M |
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