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BayFirst Financial Corp (BAFN) Ratios

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BayFirst Financial Corp Ratios

BAFN's free cash flow for Q2 2026 was $-2.76. For the 2026 fiscal year, BAFN's free cash flow was decreased by $ and operating cash flow was $-4.61. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	0.01	0.18	0.09	0.11	0.15
Quick Ratio	0.01	0.18	0.09	0.11	0.15
Cash Ratio	0.14	0.17	0.07	0.06	0.09
Solvency Ratio	-0.05	-0.01	0.02	0.01	<0.01
Operating Cash Flow Ratio	0.15	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	$ -1.01B	$ -997.29M	$ -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	0.16	0.24	0.20	0.21	0.41
Debt-to-Capital Ratio	0.14	0.19	0.17	0.17	0.29
Long-Term Debt-to-Capital Ratio	0.05	0.08	0.07	0.15	0.27
Financial Leverage Ratio	9.79	14.85	11.61	11.10	10.22
Debt Service Coverage Ratio	-1.58	-0.35	0.48	0.39	1.22
Interest Coverage Ratio	-2.32	-0.77	0.38	0.25	0.82
Debt to Market Cap	0.16	0.23	0.14	0.34	0.50
Interest Debt Per Share	13.12	14.73	16.26	12.99	11.28
Net Debt to EBITDA	1.58	8.57	-2.24	-2.85	-2.79
Profitability Margins
Gross Profit Margin	-18.14%	38.00%	52.48%	61.63%	88.15%
EBIT Margin	-126.06%	-29.59%	13.56%	7.25%	10.60%
EBITDA Margin	-116.70%	-20.84%	20.53%	13.34%	18.09%
Operating Profit Margin	-124.70%	-29.59%	13.56%	7.25%	10.60%
Pretax Profit Margin	-123.34%	-29.59%	13.56%	7.25%	10.60%
Net Profit Margin	-91.62%	-22.01%	10.06%	5.14%	-0.53%
Continuous Operations Profit Margin	-91.62%	-22.01%	10.12%	5.34%	8.25%
Net Income Per EBT	74.28%	74.40%	74.19%	70.97%	-4.96%
EBT Per EBIT	98.91%	100.00%	100.00%	100.00%	100.00%
Return on Assets (ROA)	-5.26%	-1.76%	0.98%	0.51%	-0.04%
Return on Equity (ROE)	-63.67%	-26.19%	11.36%	5.66%	-0.38%
Return on Capital Employed (ROCE)	-55.88%	-26.77%	11.79%	6.10%	5.38%
Return on Invested Capital (ROIC)	-41.50%	-19.91%	8.80%	4.49%	4.18%
Return on Tangible Assets	-5.31%	-1.78%	0.99%	0.52%	-0.04%
Earnings Yield	-157.69%	-70.77%	22.93%	10.70%	-0.51%
Efficiency Ratios
Receivables Turnover	12.71	12.37	13.68	15.55	14.92
Payables Turnover	128.97	57.01	57.44	48.22	11.17
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	2.15	2.28	2.55	2.68	1.72
Asset Turnover	0.06	0.08	0.10	0.10	0.07
Working Capital Turnover Ratio	-0.13	-0.10	-0.13	-0.14	-0.10
Cash Conversion Cycle	25.88	23.10	20.33	15.91	-8.20
Days of Sales Outstanding	28.71	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	2.83	6.40	6.35	7.57	32.67
Operating Cycle	28.71	29.50	26.68	23.48	24.47
Cash Flow Ratios
Operating Cash Flow Per Share	36.08	69.10	94.49	111.36	108.11
Free Cash Flow Per Share	36.07	69.02	94.08	109.50	106.13
CapEx Per Share	<0.01	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	93.81	164.53	85.76	46.13	43.23
Capital Expenditure Coverage Ratio	4.35K	950.98	231.09	59.98	54.59
Operating Cash Flow Coverage Ratio	7.92	13.70	17.43	21.70	11.78
Operating Cash Flow to Sales Ratio	2.27	2.74	3.12	4.10	6.63
Free Cash Flow Yield	389.49%	879.27%	707.39%	839.11%	634.72%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	-0.62	-1.32	4.36	9.35	-195.10
Price-to-Sales (P/S) Ratio	0.58	0.31	0.44	0.48	1.03
Price-to-Book (P/B) Ratio	0.33	0.37	0.50	0.53	0.74
Price-to-Free Cash Flow (P/FCF) Ratio	0.26	0.11	0.14	0.12	0.16
Price-to-Operating Cash Flow Ratio	0.26	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	0.33	0.37	0.50	0.53	0.74
Enterprise Value Multiple	1.09	7.08	-0.10	0.76	2.88
Enterprise Value	-82.56M	-153.75M	-2.69M	11.22M	34.54M
EV to EBITDA	1.09	7.08	-0.10	0.76	2.88
EV to Sales	-1.27	-1.48	-0.02	0.10	0.52
EV to Free Cash Flow	-0.56	-0.54	>-0.01	0.03	0.08
EV to Operating Cash Flow	-0.56	-0.54	>-0.01	0.02	0.08
Tangible Book Value Per Share	26.16	18.16	22.84	21.00	19.88
Shareholders’ Equity Per Share	28.29	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	15.90	25.23	30.30	27.14	16.31
Net Income Per Share	-14.57	-5.56	3.05	1.40	-0.09
Tax Burden	0.74	0.74	0.74	0.71	-0.05
Interest Burden	0.98	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	0.59	0.34	0.32	0.35	0.48
Stock-Based Compensation to Revenue	<0.01	<0.01	<0.01	<0.01	0.01
Income Quality	-6.92	-12.44	30.82	76.89	80.37

Currency in USD