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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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8 Followers

BayFirst Financial Corp Ratios

BAFN's free cash flow for Q3 2025 was $-0.23. For the 2025 fiscal year, BAFN's free cash flow was decreased by $ and operating cash flow was $-1.07. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.13	0.09	0.11	17.68	449.59
Quick Ratio	0.13	0.09	0.11	17.68	804.31
Cash Ratio	0.02	0.07	0.06	11.11	343.89
Solvency Ratio	-0.01	0.02	0.01	<0.01	0.03
Operating Cash Flow Ratio	0.86	0.34	0.46	68.98	310.47
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	0.00	0.00
Net Current Asset Value	$ -1.17B	$ -1.08B	$ -907.32M	$ -734.16M	$ -674.24M
Leverage Ratios
Debt-to-Assets Ratio	0.03	0.02	0.02	0.04	0.02
Debt-to-Equity Ratio	0.39	0.20	0.21	0.41	0.15
Debt-to-Capital Ratio	0.28	0.17	0.17	0.29	0.13
Long-Term Debt-to-Capital Ratio	0.19	0.07	0.15	0.09	0.03
Financial Leverage Ratio	14.85	11.61	11.10	10.22	9.52
Debt Service Coverage Ratio	-0.53	0.48	0.39	1.22	-1.08
Interest Coverage Ratio	-0.78	0.38	0.25	0.56	4.45
Debt to Market Cap	0.74	0.14	0.34	0.13	0.04
Interest Debt Per Share	15.57	16.26	12.99	11.43	5.61
Net Debt to EBITDA	-1.22	-2.24	-2.85	-2.79	0.00
Profitability Margins
Gross Profit Margin	23.87%	52.48%	61.63%	100.00%	100.00%
EBIT Margin	-31.08%	13.56%	7.25%	12.17%	-2.89%
EBITDA Margin	-24.00%	20.53%	13.34%	20.77%	0.00%
Operating Profit Margin	-23.76%	13.56%	7.25%	8.32%	21.70%
Pretax Profit Margin	-30.72%	13.56%	7.25%	12.17%	21.70%
Net Profit Margin	-23.12%	10.06%	5.14%	9.47%	16.45%
Continuous Operations Profit Margin	-23.12%	10.12%	5.34%	9.47%	6.03%
Net Income Per EBT	75.27%	74.19%	70.97%	77.83%	75.80%
EBT Per EBIT	129.29%	100.00%	100.00%	146.29%	100.00%
Return on Assets (ROA)	-1.76%	0.98%	0.51%	0.58%	2.68%
Return on Equity (ROE)	-23.19%	11.36%	5.66%	5.96%	25.57%
Return on Capital Employed (ROCE)	-3.17%	11.79%	6.10%	0.52%	3.54%
Return on Invested Capital (ROIC)	9.81%	8.80%	4.49%	2.56%	11.29%
Return on Tangible Assets	-1.76%	0.99%	0.52%	0.59%	2.70%
Earnings Yield	-81.57%	22.93%	10.70%	8.15%	28.43%
Efficiency Ratios
Receivables Turnover	11.78	13.68	15.55	12.99	41.99
Payables Turnover	0.00	57.44	48.22	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	2.17	2.55	2.68	1.50	4.37
Asset Turnover	0.08	0.10	0.10	0.06	0.16
Working Capital Turnover Ratio	-0.14	-0.13	-0.14	0.46	1.43
Cash Conversion Cycle	30.98	20.33	15.91	28.09	8.69
Days of Sales Outstanding	30.98	26.68	23.48	28.09	8.69
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	6.35	7.57	0.00	0.00
Operating Cycle	30.98	26.68	23.48	28.09	8.69
Cash Flow Ratios
Operating Cash Flow Per Share	68.35	94.49	111.36	109.49	26.61
Free Cash Flow Per Share	68.29	94.08	109.50	107.48	23.12
CapEx Per Share	0.06	0.41	1.86	2.01	3.50
Free Cash Flow to Operating Cash Flow	1.00	1.00	0.98	0.98	0.87
Dividend Paid and CapEx Coverage Ratio	117.30	85.76	46.13	43.23	6.59
Capital Expenditure Coverage Ratio	1.10K	231.09	59.98	54.59	7.61
Operating Cash Flow Coverage Ratio	8.28	17.43	21.70	11.78	7.21
Operating Cash Flow to Sales Ratio	2.84	3.12	4.10	7.61	0.68
Free Cash Flow Yield	1007.42%	707.39%	839.11%	642.85%	101.53%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	-1.23	4.36	9.35	12.27	3.52
Price-to-Sales (P/S) Ratio	0.28	0.44	0.48	1.16	0.58
Price-to-Book (P/B) Ratio	0.32	0.50	0.53	0.73	0.90
Price-to-Free Cash Flow (P/FCF) Ratio	0.10	0.14	0.12	0.16	0.98
Price-to-Operating Cash Flow Ratio	0.10	0.14	0.12	0.15	0.86
Price-to-Earnings Growth (PEG) Ratio	-0.11	0.03	-0.02	-0.16	0.04
Price-to-Fair Value	0.32	0.50	0.53	0.73	0.90
Enterprise Value Multiple	-2.39	-0.10	0.76	2.80	0.00
Enterprise Value	56.95M	-2.69M	11.22M	33.68M	-11.48M
EV to EBITDA	-2.39	-0.10	0.76	2.80	0.00
EV to Sales	0.57	-0.02	0.10	0.58	-0.08
EV to Free Cash Flow	0.20	>-0.01	0.03	0.08	-0.13
EV to Operating Cash Flow	0.20	>-0.01	0.02	0.08	-0.11
Tangible Book Value Per Share	21.21	22.84	21.00	20.14	23.58
Shareholders’ Equity Per Share	21.21	26.84	24.66	22.85	25.32
Tax and Other Ratios
Effective Tax Rate	0.26	0.25	0.26	0.22	0.24
Revenue Per Share	24.03	30.30	27.14	14.38	39.35
Net Income Per Share	-5.56	3.05	1.40	1.36	6.47
Tax Burden	0.75	0.74	0.71	0.78	0.76
Interest Burden	0.80	1.00	1.00	1.00	-7.51
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.26	0.30	0.35	0.55	0.67
Stock-Based Compensation to Revenue	<0.01	<0.01	<0.01	0.01	<0.01
Income Quality	-26.38	30.82	76.89	80.37	4.11

Currency in USD