BayFirst Financial Corp(BAFN)
$6.06-0.04 (-0.57%)
BAFN
BayFirst Financial Corp financials statements
$6.06
At close:-0.04 (-0.57%)
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BayFirst Financial Corp (BAFN) Ratios
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BayFirst Financial Corp Ratios
BAFN's free cash flow for Q3 2026 was $2.84M. For the 2026 fiscal year, BAFN's free cash flow was increased by $0.00 and operating cash flow was $2.84M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.18 | 0.09 | 0.11 | 0.15 | 0.20 |
| Quick Ratio | 0.18 | 0.09 | 0.11 | 0.15 | 0.20 |
| Cash Ratio | 0.17 | 0.07 | 0.06 | 0.09 | 0.15 |
| Solvency Ratio | -0.01 | 0.02 | 0.01 | 0.01 | 0.04 |
| Operating Cash Flow Ratio | 0.24 | 0.34 | 0.46 | 0.54 | 0.68 |
| Short-Term Operating Cash Flow Coverage | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Current Asset Value | $ -997.29M | $ -1.08B | $ -907.32M | $ -729.28M | $ -674.27M |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.02 | 0.02 | 0.02 | 0.04 | 0.01 |
| Debt-to-Equity Ratio | 0.24 | 0.20 | 0.21 | 0.41 | 0.13 |
| Debt-to-Capital Ratio | 0.19 | 0.17 | 0.17 | 0.29 | 0.12 |
| Long-Term Debt-to-Capital Ratio | 0.08 | 0.07 | 0.15 | 0.27 | 0.09 |
| Financial Leverage Ratio | 14.85 | 11.61 | 11.10 | 10.22 | 9.52 |
| Debt Service Coverage Ratio | -0.35 | 0.48 | 0.39 | 1.22 | 1.83 |
| Interest Coverage Ratio | -0.77 | 0.38 | 0.25 | 0.82 | 1.61 |
| Debt to Market Cap | 0.23 | 0.14 | 0.34 | 0.50 | 0.11 |
| Interest Debt Per Share | 14.73 | 16.26 | 12.99 | 11.28 | 5.26 |
| Net Debt to EBITDA | 8.57 | -2.24 | -2.85 | -2.79 | -6.19 |
| Profitability Margins | |||||
| Gross Profit Margin | 38.00% | 52.48% | 61.63% | 88.15% | 94.00% |
| EBIT Margin | -29.59% | 13.56% | 7.25% | 10.60% | 18.50% |
| EBITDA Margin | -20.84% | 20.53% | 13.34% | 18.09% | 25.33% |
| Operating Profit Margin | -29.59% | 13.56% | 7.25% | 10.60% | 18.50% |
| Pretax Profit Margin | -29.59% | 13.56% | 7.25% | 10.60% | 18.50% |
| Net Profit Margin | -22.01% | 10.06% | 5.14% | -0.53% | 38.86% |
| Continuous Operations Profit Margin | -22.01% | 10.12% | 5.34% | 8.25% | 14.25% |
| Net Income Per EBT | 74.40% | 74.19% | 70.97% | -4.96% | 210.05% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | -1.76% | 0.98% | 0.51% | -0.04% | 2.68% |
| Return on Equity (ROE) | -26.19% | 11.36% | 5.66% | -0.38% | 25.57% |
| Return on Capital Employed (ROCE) | -26.77% | 11.79% | 6.10% | 5.38% | 6.30% |
| Return on Invested Capital (ROIC) | -19.91% | 8.80% | 4.49% | 4.18% | 4.85% |
| Return on Tangible Assets | -1.78% | 0.99% | 0.52% | -0.04% | 2.70% |
| Earnings Yield | -70.77% | 22.93% | 10.70% | -0.51% | 28.44% |
| Efficiency Ratios | |||||
| Receivables Turnover | 12.37 | 13.68 | 15.55 | 14.92 | 17.94 |
| Payables Turnover | 57.01 | 57.44 | 48.22 | 11.17 | 11.66 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 2.28 | 2.55 | 2.68 | 1.72 | 1.92 |
| Asset Turnover | 0.08 | 0.10 | 0.10 | 0.07 | 0.07 |
| Working Capital Turnover Ratio | -0.10 | -0.13 | -0.14 | -0.10 | -0.12 |
| Cash Conversion Cycle | 23.10 | 20.33 | 15.91 | -8.20 | -10.96 |
| Days of Sales Outstanding | 29.50 | 26.68 | 23.48 | 24.47 | 20.35 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 6.40 | 6.35 | 7.57 | 32.67 | 31.31 |
| Operating Cycle | 29.50 | 26.68 | 23.48 | 24.47 | 20.35 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 69.10 | 94.49 | 111.36 | 108.11 | 130.30 |
| Free Cash Flow Per Share | 69.02 | 94.08 | 109.50 | 106.13 | 126.85 |
| Dividend Paid and CapEx Coverage Ratio | 164.53 | 85.76 | 46.13 | 43.23 | 32.64 |
| Capital Expenditure Coverage Ratio | 950.98 | 231.09 | 59.98 | 54.59 | 37.77 |
| Operating Cash Flow Coverage Ratio | 13.70 | 17.43 | 21.70 | 11.78 | 38.96 |
| Operating Cash Flow to Sales Ratio | 2.74 | 3.12 | 4.10 | 6.63 | 7.82 |
| Free Cash Flow Yield | 879.27% | 707.39% | 839.11% | 634.72% | 557.08% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | -1.32 | 4.36 | 9.35 | -195.10 | 3.52 |
| Price-to-Sales (P/S) Ratio | 0.31 | 0.44 | 0.48 | 1.03 | 1.37 |
| Price-to-Book (P/B) Ratio | 0.37 | 0.50 | 0.53 | 0.74 | 0.90 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 0.11 | 0.14 | 0.12 | 0.16 | 0.18 |
| Price-to-Operating Cash Flow Ratio | 0.11 | 0.14 | 0.12 | 0.15 | 0.17 |
| Price-to-Earnings Growth (PEG) Ratio | 0.00 | 0.03 | -0.02 | 1.86 | 0.04 |
| Enterprise Value Multiple | 7.08 | -0.10 | 0.76 | 2.88 | -0.80 |
| Enterprise Value | -153.75M | -2.69M | 11.22M | 34.54M | -12.82M |
| EV to EBITDA | 7.08 | -0.10 | 0.76 | 2.88 | -0.80 |
| EV to Sales | -1.48 | -0.02 | 0.10 | 0.52 | -0.20 |
| EV to Free Cash Flow | -0.54 | -0.01 | 0.03 | 0.08 | -0.03 |
| EV to Operating Cash Flow | -0.54 | -0.01 | 0.02 | 0.08 | -0.03 |
| Tangible Book Value Per Share | 18.16 | 22.84 | 21.00 | 19.88 | 23.64 |
| Shareholders’ Equity Per Share | 21.21 | 26.84 | 24.66 | 22.56 | 25.33 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.26 | 0.25 | 0.26 | 0.22 | 0.23 |
| Revenue Per Share | 25.23 | 30.30 | 27.14 | 16.31 | 16.66 |
| Net Income Per Share | -5.56 | 3.05 | 1.40 | -0.09 | 6.48 |
| Tax Burden | 0.74 | 0.74 | 0.71 | -0.05 | 2.10 |
| 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 | 0.34 | 0.32 | 0.35 | 0.48 | 0.47 |
| Stock-Based Compensation to Revenue | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 |
| Income Quality | -12.44 | 30.82 | 76.89 | 80.37 | 54.87 |
Currency in USD
