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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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BayFirst Financial Corp Ratios

BAFN's free cash flow for Q1 2025 was $0.69. For the 2025 fiscal year, BAFN's free cash flow was decreased by $ and operating cash flow was $0.29. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	522.70	0.11	17.68	449.59	32.55
Quick Ratio	1.05K	0.11	17.68	804.31	65.10
Cash Ratio	513.06	0.06	11.11	343.89	28.90
Solvency Ratio	0.01	0.01	<0.01	0.03	<0.01
Operating Cash Flow Ratio	-174.98	0.46	68.98	310.47	-53.94
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	0.00	0.00
Net Current Asset Value	$ -364.82M	$ -907.32M	$ -734.16M	$ -674.24M	$ -1.41B
Leverage Ratios
Debt-to-Assets Ratio	0.05	0.02	0.04	0.02	<0.01
Debt-to-Equity Ratio	0.48	0.21	0.41	0.15	0.19
Debt-to-Capital Ratio	0.32	0.17	0.29	0.13	0.16
Long-Term Debt-to-Capital Ratio	0.30	0.15	0.09	0.03	0.12
Financial Leverage Ratio	10.35	11.10	10.22	9.52	21.74
Debt Service Coverage Ratio	1.16	0.18	1.22	-1.08	2.24
Interest Coverage Ratio	0.76	0.61	0.56	4.45	1.54
Debt to Market Cap	0.42	0.34	0.13	0.04	0.20
Interest Debt Per Share	10.32	12.99	11.43	5.61	6.97
Net Debt to EBITDA	-7.79	-5.24	-2.79	0.00	-1.69
Profitability Margins
Gross Profit Margin	100.00%	100.00%	100.00%	100.00%	100.00%
EBIT Margin	9.45%	10.61%	12.17%	-2.89%	17.02%
EBITDA Margin	17.05%	10.61%	20.77%	0.00%	21.11%
Operating Profit Margin	9.45%	25.75%	8.32%	21.70%	12.74%
Pretax Profit Margin	9.45%	10.61%	12.17%	21.70%	12.74%
Net Profit Margin	6.73%	7.53%	9.47%	16.45%	10.26%
Continuous Operations Profit Margin	6.73%	7.81%	9.47%	6.03%	10.26%
Net Income Per EBT	71.21%	70.97%	77.83%	75.80%	80.51%
EBT Per EBIT	100.00%	41.19%	146.29%	100.00%	100.00%
Return on Assets (ROA)	0.84%	0.51%	0.58%	2.68%	0.82%
Return on Equity (ROE)	8.74%	5.66%	5.96%	25.57%	17.87%
Return on Capital Employed (ROCE)	1.19%	14.80%	0.52%	3.54%	1.02%
Return on Invested Capital (ROIC)	3.08%	10.90%	2.56%	11.29%	13.64%
Return on Tangible Assets	0.86%	0.52%	0.59%	2.70%	0.83%
Earnings Yield	8.84%	10.70%	8.15%	28.43%	26.77%
Efficiency Ratios
Receivables Turnover	0.00	10.62	12.99	41.99	16.96
Payables Turnover	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	3.45	1.83	1.50	4.37	5.67
Asset Turnover	0.13	0.07	0.06	0.16	0.08
Working Capital Turnover Ratio	1.20	-0.10	0.46	1.43	1.39
Cash Conversion Cycle	0.00	34.36	28.09	8.69	21.52
Days of Sales Outstanding	0.00	34.36	28.09	8.69	21.52
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	0.00	0.00
Operating Cycle	0.00	34.36	28.09	8.69	21.52
Cash Flow Ratios
Operating Cash Flow Per Share	-12.15	111.37	109.49	26.61	-31.42
Free Cash Flow Per Share	-14.46	109.51	107.48	23.12	-32.31
CapEx Per Share	2.31	1.86	2.01	3.50	0.89
Free Cash Flow to Operating Cash Flow	1.19	0.98	0.98	0.87	1.03
Dividend Paid and CapEx Coverage Ratio	-4.47	46.13	43.23	6.59	-22.34
Capital Expenditure Coverage Ratio	-5.27	59.98	54.59	7.61	-35.38
Operating Cash Flow Coverage Ratio	-1.58	21.70	11.78	7.21	-7.91
Operating Cash Flow to Sales Ratio	-0.58	6.00	7.61	0.68	-0.87
Free Cash Flow Yield	-90.34%	839.19%	642.85%	101.53%	-233.62%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	11.31	9.35	12.27	3.52	3.74
Price-to-Sales (P/S) Ratio	0.76	0.70	1.16	0.58	0.38
Price-to-Book (P/B) Ratio	0.99	0.53	0.73	0.90	0.67
Price-to-Free Cash Flow (P/FCF) Ratio	-1.11	0.12	0.16	0.98	-0.43
Price-to-Operating Cash Flow Ratio	-1.32	0.12	0.15	0.86	-0.44
Price-to-Earnings Growth (PEG) Ratio	-0.03	-0.02	-0.16	0.04	0.02
Price-to-Fair Value	0.99	0.53	0.73	0.90	0.67
Enterprise Value Multiple	-3.32	1.40	2.80	0.00	0.13
Enterprise Value	-37.76M	11.22M	33.68M	-11.48M	3.31M
EV to EBITDA	-3.32	1.40	2.80	0.00	0.13
EV to Sales	-0.57	0.15	0.58	-0.08	0.03
EV to Free Cash Flow	0.82	0.03	0.08	-0.13	-0.03
EV to Operating Cash Flow	0.98	0.02	0.08	-0.11	-0.03
Tangible Book Value Per Share	12.63	21.00	20.14	23.58	18.34
Shareholders’ Equity Per Share	16.19	24.66	22.85	25.32	20.72
Tax and Other Ratios
Effective Tax Rate	0.29	0.26	0.22	0.24	0.19
Revenue Per Share	21.03	18.55	14.38	39.35	36.09
Net Income Per Share	1.41	1.40	1.36	6.47	3.70
Tax Burden	0.71	0.71	0.78	0.76	0.81
Interest Burden	1.00	1.00	1.00	-7.51	0.75
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.61	0.51	0.55	0.67	0.62
Stock-Based Compensation to Revenue	<0.01	<0.01	0.01	<0.01	<0.01
Income Quality	-8.59	76.89	80.37	4.11	-8.49

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