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BayFirst Financial Corp (BAFN)
NASDAQ:BAFN
US Market
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 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 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.00 0.18 0.09 0.11 0.15
Quick Ratio
 0.00 0.18 0.09 0.11 0.15
Cash Ratio
 0.00 0.17 0.07 0.06 0.09
Solvency Ratio
 -0.02 -0.02 0.02 0.01 <0.01
Operating Cash Flow Ratio
 0.00 0.24 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
$ -950.21M$ -997.29M$ -1.08B$ -907.32M$ -729.28M
Leverage Ratios
Debt-to-Assets Ratio
 <0.01 0.02 0.02 0.02 0.04
Debt-to-Equity Ratio
 0.02 0.24 0.20 0.21 0.41
Debt-to-Capital Ratio
 0.02 0.19 0.17 0.17 0.29
Long-Term Debt-to-Capital Ratio
 0.02 0.08 0.07 0.15 0.27
Financial Leverage Ratio
 2.65 14.85 11.61 11.10 10.22
Debt Service Coverage Ratio
 -0.66 -0.57 0.48 0.39 1.22
Interest Coverage Ratio
 -1.01 -0.77 0.38 0.25 0.82
Debt to Market Cap
 0.05 0.23 0.14 0.34 0.50
Interest Debt Per Share
 9.71 14.73 16.26 12.99 11.28
Net Debt to EBITDA
 3.60 6.04 -2.24 -2.85 -2.79
Profitability Margins
Gross Profit Margin
32.26%38.00%52.48%61.63%88.15%
EBIT Margin
-46.05%-29.59%13.56%7.25%10.60%
EBITDA Margin
-40.56%-29.59%20.53%13.34%18.09%
Operating Profit Margin
-45.02%-29.59%13.56%7.25%10.60%
Pretax Profit Margin
-44.00%-29.59%13.56%7.25%10.60%
Net Profit Margin
-32.75%-22.01%10.06%5.14%-0.53%
Continuous Operations Profit Margin
-32.75%-22.01%10.12%5.34%8.25%
Net Income Per EBT
74.43%74.40%74.19%70.97%-4.96%
EBT Per EBIT
97.73%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
-13.02%-1.76%0.98%0.51%-0.04%
Return on Equity (ROE)
-30.79%-26.19%11.36%5.66%-0.38%
Return on Capital Employed (ROCE)
-17.90%-26.77%11.79%6.10%5.38%
Return on Invested Capital (ROIC)
-13.33%-19.91%8.80%4.49%4.18%
Return on Tangible Assets
-13.02%-1.78%0.99%0.52%-0.04%
Earnings Yield
-101.34%-70.77%22.93%10.70%-0.51%
Efficiency Ratios
Receivables Turnover
 11.24 12.37 13.68 15.55 14.92
Payables Turnover
 0.00 57.01 57.44 48.22 11.17
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 1.93 2.28 2.55 2.68 1.72
Asset Turnover
 0.40 0.08 0.10 0.10 0.07
Working Capital Turnover Ratio
 -0.21 -0.10 -0.13 -0.14 -0.10
Cash Conversion Cycle
 32.47 23.10 20.33 15.91 -8.20
Days of Sales Outstanding
 32.47 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 6.40 6.35 7.57 32.67
Operating Cycle
 32.47 29.50 26.68 23.48 24.47
Cash Flow Ratios
Operating Cash Flow Per Share
 69.62 69.10 94.49 111.36 108.11
Free Cash Flow Per Share
 69.54 69.02 94.08 109.50 106.13
CapEx Per Share
 0.07 0.07 0.41 1.86 1.98
Free Cash Flow to Operating Cash Flow
 1.00 1.00 1.00 0.98 0.98
Dividend Paid and CapEx Coverage Ratio
 164.53 164.53 85.76 46.13 43.23
Capital Expenditure Coverage Ratio
 950.98 950.98 231.09 59.98 54.59
Operating Cash Flow Coverage Ratio
 192.90 13.70 17.43 21.70 11.78
Operating Cash Flow to Sales Ratio
 3.30 2.74 3.12 4.10 6.63
Free Cash Flow Yield
1018.23%879.27%707.39%839.11%634.72%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 -0.97 -1.41 4.36 9.35 -195.10
Price-to-Sales (P/S) Ratio
 0.32 0.31 0.44 0.48 1.03
Price-to-Book (P/B) Ratio
 0.34 0.37 0.50 0.53 0.74
Price-to-Free Cash Flow (P/FCF) Ratio
 0.10 0.11 0.14 0.12 0.16
Price-to-Operating Cash Flow Ratio
 0.10 0.11 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
 0.34 0.37 0.50 0.53 0.74
Enterprise Value Multiple
 2.81 4.99 -0.10 0.76 2.88
Enterprise Value
 -98.15M -153.75M -2.69M 11.22M 34.54M
EV to EBITDA
 2.80 4.99 -0.10 0.76 2.88
EV to Sales
 -1.14 -1.48 -0.02 0.10 0.52
EV to Free Cash Flow
 -0.34 -0.54 >-0.01 0.03 0.08
EV to Operating Cash Flow
 -0.34 -0.54 >-0.01 0.02 0.08
Tangible Book Value Per Share
 -218.85 18.16 22.84 21.00 19.88
Shareholders’ Equity Per Share
 19.98 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
 21.07 25.23 30.30 27.14 16.31
Net Income Per Share
 -6.90 -5.56 3.05 1.40 -0.09
Tax Burden
 0.74 0.74 0.74 0.71 -0.05
Interest Burden
 0.96 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
 0.41 0.34 0.32 0.35 0.48
Stock-Based Compensation to Revenue
 <0.01 0.00 <0.01 <0.01 0.01
Income Quality
 -12.44 -12.44 30.82 76.89 80.37
Currency in USD