BayFirst Financial (BAFN) EBT Margin (2020 - 2026)
BayFirst Financial (BAFN) posted quarterly EBT Margin of 75.12% for Q1 2026, down 7122.0% year-over-year from 1.07% in Q1 2025, and down 1650.8% quarter-over-quarter from 4.29% in Q4 2025.
BayFirst Financial (BAFN) EBT Margin (2020 - 2026) Analysis & Trends
BayFirst Financial (BAFN) has reported EBT Margin for 7 consecutive years, with 75.12% the latest figure, recorded in Q1 2026.
- In Q1 2026, EBT Margin fell 7122.0% year-over-year to 75.12%; the TTM figure through Mar 2026 stood at 43.58% (down 5902.0% YoY), while the FY2025 annual figure was 48.04%, down 8853.0% from the prior year.
- EBT Margin slipped to 75.12% in Q1 2026 per BAFN's latest filing, from 4.29% in the prior quarter.
- Across five years, EBT Margin topped out at 23.45% in Q4 2024 and bottomed at 253.04% in Q3 2025.
- Historically, EBT Margin has averaged 24.99% across 5 years, with a median of 2.71% in 2023.
- Annual changes were most pronounced in 2022 — EBT Margin surged 4273 bps — and 2025, when it slumped 26011 bps.
- BayFirst Financial's EBT Margin stood at 25.88% in 2022, then surged by 110 bps to 2.71% in 2023, then jumped by 767 bps to 23.45% in 2024, then plunged by 118 bps to 4.29% in 2025, then plunged by 1651 bps to 75.12% in 2026.
- Business Quant data shows BAFN's EBT Margin at 75.12% in Q1 2026, 4.29% in Q4 2025, and 253.04% in Q3 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Hdfc Bank | 121.20 Bn | 85.00 Bn | - | - |
| 2 | Pnc Financial Services | 97.59 Bn | 97.59 Bn | - | 37.61% |
| 3 | Us Bancorp | 95.78 Bn | 95.78 Bn | - | 35.39% |
| 4 | Lloyds Banking | 93.61 Bn | 93.91 Bn | - | - |
| 5 | NatWest | 74.72 Bn | -144.37 Bn | - | 55.27% |
| 6 | Deutsche Bank Aktiengesellschaft | 71.75 Bn | -81.57 Bn | - | 36.74% |
| 7 | Nu Holdings | 71.00 Bn | 57.31 Bn | 2.35 Bn | 22.42% |
| 8 | Truist Financial | 61.56 Bn | 61.56 Bn | - | 34.47% |
| 9 | Fifth Third Bancorp | 49.49 Bn | 25.77 Bn | - | 31.64% |
| 10 | BayFirst Financial | 29.99 Mn | -109.18 Mn | - | -1,685.42% |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | -75.12% |
| Dec 31, 2025 | -4.29% |
| Sep 30, 2025 | -253.04% |
| Jun 30, 2025 | -161.04% |
| Mar 31, 2025 | -3.91% |
| Dec 31, 2024 | 23.45% |
| Sep 30, 2024 | 7.07% |
| Jun 30, 2024 | 12.03% |
| Mar 31, 2024 | 5.12% |
| Dec 31, 2023 | 2.71% |
| Sep 30, 2023 | 11.46% |
| Jun 30, 2023 | 8.92% |
| Mar 31, 2023 | 6.20% |
| Dec 31, 2022 | -25.88% |
| Sep 30, 2022 | 21.43% |
| Jun 30, 2022 | 2.27% |
| Mar 31, 2022 | -2.26% |
| Dec 31, 2021 | -30.28% |
| Sep 30, 2021 | -21.30% |
| Jun 30, 2021 | 124.54% |