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STOCKS

BayFirst Financial Corp (BAFN)

NASDAQ:BAFN

BAFN

BayFirst Financial Corp

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BayFirst Financial Corp (BAFN) Ratios

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9 Followers

BayFirst Financial Corp Ratios

BAFN's free cash flow for Q4 2025 was $0.43. For the 2025 fiscal year, BAFN's free cash flow was decreased by $ and operating cash flow was $-0.14. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	0.13	0.13	0.09	0.11	0.15
Quick Ratio	0.13	0.13	0.09	0.11	0.15
Cash Ratio	0.02	0.02	0.07	0.06	0.09
Solvency Ratio	-0.01	-0.02	0.02	0.01	<0.01
Operating Cash Flow Ratio	0.56	0.00	0.34	0.46	0.54
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	0.00	0.00
Net Current Asset Value	$ -1.17B	$ -1.17B	$ -1.08B	$ -907.32M	$ -729.28M
Leverage Ratios
Debt-to-Assets Ratio	0.02	0.02	0.02	0.02	0.04
Debt-to-Equity Ratio	0.24	0.24	0.20	0.21	0.41
Debt-to-Capital Ratio	0.19	0.19	0.17	0.17	0.29
Long-Term Debt-to-Capital Ratio	0.08	0.08	0.07	0.15	0.27
Financial Leverage Ratio	14.85	14.85	11.61	11.10	10.22
Debt Service Coverage Ratio	-0.40	-0.57	0.48	0.39	1.22
Interest Coverage Ratio	-0.77	-0.77	0.38	0.25	0.82
Debt to Market Cap	0.32	0.23	0.14	0.34	0.50
Interest Debt Per Share	14.73	14.73	16.26	12.99	11.28
Net Debt to EBITDA	-0.66	-0.51	-2.24	-2.85	-2.79
Profitability Margins
Gross Profit Margin	33.63%	38.00%	52.48%	61.63%	88.15%
EBIT Margin	-31.68%	-29.59%	13.56%	7.25%	10.60%
EBITDA Margin	-24.47%	-29.59%	20.53%	13.34%	18.09%
Operating Profit Margin	-31.68%	-29.59%	13.56%	7.25%	10.60%
Pretax Profit Margin	-31.68%	-29.59%	13.56%	7.25%	10.60%
Net Profit Margin	-23.57%	-22.01%	10.06%	5.14%	-0.53%
Continuous Operations Profit Margin	-23.57%	-22.01%	10.12%	5.34%	8.25%
Net Income Per EBT	74.40%	74.40%	74.19%	70.97%	-4.96%
EBT Per EBIT	100.00%	100.00%	100.00%	100.00%	100.00%
Return on Assets (ROA)	-1.76%	-1.76%	0.98%	0.51%	-0.04%
Return on Equity (ROE)	-23.19%	-26.19%	11.36%	5.66%	-0.38%
Return on Capital Employed (ROCE)	-3.17%	-3.17%	11.79%	6.10%	5.38%
Return on Invested Capital (ROIC)	9.85%	9.85%	8.80%	4.49%	4.18%
Return on Tangible Assets	-1.78%	-1.78%	0.99%	0.52%	-0.04%
Earnings Yield	-95.12%	-70.77%	22.93%	10.70%	-0.51%
Efficiency Ratios
Receivables Turnover	11.56	12.37	13.68	15.55	14.92
Payables Turnover	0.00	0.00	57.44	48.22	11.17
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	2.13	2.28	2.55	2.68	1.72
Asset Turnover	0.07	0.08	0.10	0.10	0.07
Working Capital Turnover Ratio	-0.14	-0.16	-0.13	-0.14	-0.10
Cash Conversion Cycle	31.58	29.50	20.33	15.91	-8.20
Days of Sales Outstanding	31.58	29.50	26.68	23.48	24.47
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	6.35	7.57	32.67
Operating Cycle	31.58	29.50	26.68	23.48	24.47
Cash Flow Ratios
Operating Cash Flow Per Share	44.75	0.00	94.49	111.36	108.11
Free Cash Flow Per Share	44.68	0.00	94.08	109.50	106.13
CapEx Per Share	0.07	0.00	0.41	1.86	1.98
Free Cash Flow to Operating Cash Flow	1.00	0.00	1.00	0.98	0.98
Dividend Paid and CapEx Coverage Ratio	108.05	0.00	85.76	46.13	43.23
Capital Expenditure Coverage Ratio	669.43	0.00	231.09	59.98	54.59
Operating Cash Flow Coverage Ratio	8.87	0.00	17.43	21.70	11.78
Operating Cash Flow to Sales Ratio	1.90	0.00	3.12	4.10	6.63
Free Cash Flow Yield	768.62%	0.00%	707.39%	839.11%	634.72%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	-1.04	-1.41	4.36	9.35	-195.10
Price-to-Sales (P/S) Ratio	0.24	0.31	0.44	0.48	1.03
Price-to-Book (P/B) Ratio	0.27	0.37	0.50	0.53	0.74
Price-to-Free Cash Flow (P/FCF) Ratio	0.13	0.00	0.14	0.12	0.16
Price-to-Operating Cash Flow Ratio	0.13	0.00	0.14	0.12	0.15
Price-to-Earnings Growth (PEG) Ratio	0.01	<0.01	0.03	-0.02	1.86
Price-to-Fair Value	0.27	0.37	0.50	0.53	0.74
Enterprise Value Multiple	-1.66	-1.56	-0.10	0.76	2.88
Enterprise Value	39.70M	48.11M	-2.69M	11.22M	34.54M
EV to EBITDA	-1.67	-1.56	-0.10	0.76	2.88
EV to Sales	0.41	0.46	-0.02	0.10	0.52
EV to Free Cash Flow	0.22	0.00	>-0.01	0.03	0.08
EV to Operating Cash Flow	0.21	0.00	>-0.01	0.02	0.08
Tangible Book Value Per Share	18.16	18.16	22.84	21.00	19.88
Shareholders’ Equity Per Share	21.21	21.21	26.84	24.66	22.56
Tax and Other Ratios
Effective Tax Rate	0.26	0.26	0.25	0.26	0.22
Revenue Per Share	23.57	25.23	30.30	27.14	16.31
Net Income Per Share	-5.56	-5.56	3.05	1.40	-0.09
Tax Burden	0.74	0.74	0.74	0.71	-0.05
Interest Burden	1.00	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.33	0.34	0.30	0.35	0.48
Stock-Based Compensation to Revenue	<0.01	0.00	<0.01	<0.01	0.01
Income Quality	-8.06	0.00	30.82	76.89	80.37

Currency in USD