BayFirst Financial (BAFN) Interest Coverage Ratio (2020 - 2026)
BayFirst Financial (BAFN) posted quarterly Interest Coverage Ratio of 0.07 for Q1 2026, down 93.13% year-over-year from 0.95 in Q1 2025, and down 94.04% quarter-over-quarter from 1.1 in Q4 2025.
BayFirst Financial (BAFN) Interest Coverage Ratio (2020 - 2026) Analysis & Trends
BayFirst Financial (BAFN) has reported Interest Coverage Ratio for 7 consecutive years, with 0.07 the latest figure, recorded in Q1 2026.
- In Q1 2026, Interest Coverage Ratio fell 93.13% year-over-year to 0.07; the TTM figure through Mar 2026 stood at 27.26 (down 64.58% YoY), while the FY2025 annual figure was 0.23, down 83.37% from the prior year.
- Interest Coverage Ratio declined to 0.07 in Q1 2026 per BAFN's latest filing, from 1.1 in the prior quarter.
- Across five years, Interest Coverage Ratio topped out at 2.92 in Q3 2022 and bottomed at 1.5 in Q3 2025.
- Historically, Interest Coverage Ratio has averaged 1.0 across 5 years, with a median of 1.11 in 2024.
- Annual changes were most pronounced in 2022 — Interest Coverage Ratio soared 3060.15% — and 2025, when it sank 232.65%.
- BayFirst Financial's Interest Coverage Ratio stood at 1.78 in 2022, then sank by 50.17% to 0.89 in 2023, then sank by 32.23% to 0.6 in 2024, then jumped by 82.4% to 1.1 in 2025, then sank by 94.04% to 0.07 in 2026.
- Business Quant data shows BAFN's Interest Coverage Ratio at 0.07 in Q1 2026, 1.1 in Q4 2025, and 1.5 in Q3 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Hdfc Bank | 120.66 Bn | 84.46 Bn | - | - |
| 2 | Pnc Financial Services | 97.86 Bn | 97.86 Bn | - | 2.00 |
| 3 | Us Bancorp | 96.39 Bn | 96.39 Bn | - | 1.84 |
| 4 | Lloyds Banking | 93.61 Bn | 93.91 Bn | - | - |
| 5 | NatWest | 74.92 Bn | -144.17 Bn | - | 0.27 |
| 6 | Deutsche Bank Aktiengesellschaft | 72.22 Bn | -81.10 Bn | - | 1.49 |
| 7 | Nu Holdings | 70.34 Bn | 56.66 Bn | 2.35 Bn | - |
| 8 | Truist Financial | 61.75 Bn | 61.75 Bn | - | 1.77 |
| 9 | Fifth Third Bancorp | 49.88 Bn | 26.16 Bn | - | 1.90 |
| 10 | BayFirst Financial | 30.03 Mn | -109.14 Mn | - | -5.34 |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 0.07 |
| Dec 31, 2025 | 1.10 |
| Sep 30, 2025 | -1.50 |
| Jun 30, 2025 | 0.93 |
| Mar 31, 2025 | 0.95 |
| Dec 31, 2024 | 0.60 |
| Sep 30, 2024 | 1.13 |
| Jun 30, 2024 | 1.11 |
| Mar 31, 2024 | 1.11 |
| Dec 31, 2023 | 0.89 |
| Sep 30, 2023 | 1.29 |
| Jun 30, 2023 | 1.24 |
| Mar 31, 2023 | 1.22 |
| Dec 31, 2022 | 1.78 |
| Sep 30, 2022 | 2.92 |
| Jun 30, 2022 | 1.28 |
| Mar 31, 2022 | 0.91 |
| Dec 31, 2021 | 0.88 |
| Sep 30, 2021 | -0.10 |
| Jun 30, 2021 | 9.34 |