BayFirst Financial (BAFN) Net Margin (2020 - 2026)
BayFirst Financial (BAFN) posted quarterly Net Margin of 59.71% for Q1 2026, down 5363.0% year-over-year from 1.13% in Q1 2025, and down 1278.81% quarter-over-quarter from 4.33% in Q4 2025.
BayFirst Financial (BAFN) Net Margin (2020 - 2026) Analysis & Trends
BayFirst Financial (BAFN) has reported Net Margin for 7 consecutive years, with 59.71% the latest figure, recorded in Q1 2026.
- In Q1 2026, Net Margin fell 5363.0% year-over-year to 59.71%; the TTM figure through Mar 2026 stood at 34.21% (down 4417.0% YoY), while the FY2025 annual figure was 38.14%, down 6451.0% from the prior year.
- Net Margin retreated to 59.71% in Q1 2026 per BAFN's latest filing, from 4.33% in the prior quarter.
- Across five years, Net Margin topped out at 16.88% in Q4 2024 and bottomed at 188.46% in Q3 2025.
- Historically, Net Margin has averaged 23.42% across 5 years, with a median of 3.21% in 2022.
- Annual changes were most pronounced in 2022 — Net Margin surged 12579 bps — and 2025, when it sank 19192 bps.
- BayFirst Financial's Net Margin stood at 10.35% in 2022, then surged by 115 bps to 1.5% in 2023, then jumped by 1023 bps to 16.88% in 2024, then tumbled by 126 bps to 4.33% in 2025, then plunged by 1279 bps to 59.71% in 2026.
- Business Quant data shows BAFN's Net Margin at 59.71% in Q1 2026, 4.33% in Q4 2025, and 188.46% in Q3 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Hdfc Bank | 120.66 Bn | 84.46 Bn | - | - |
| 2 | Pnc Financial Services | 97.86 Bn | 97.86 Bn | - | 28.41% |
| 3 | Us Bancorp | 96.39 Bn | 96.39 Bn | - | 27.30% |
| 4 | Lloyds Banking | 93.61 Bn | 93.91 Bn | - | - |
| 5 | NatWest | 74.92 Bn | -144.17 Bn | - | 38.78% |
| 6 | Deutsche Bank Aktiengesellschaft | 72.22 Bn | -81.10 Bn | - | 25.60% |
| 7 | Nu Holdings | 70.34 Bn | 56.66 Bn | 2.35 Bn | 25.60% |
| 8 | Truist Financial | 61.75 Bn | 61.75 Bn | - | 28.85% |
| 9 | Fifth Third Bancorp | 49.88 Bn | 26.16 Bn | - | 23.30% |
| 10 | BayFirst Financial | 30.03 Mn | -109.14 Mn | - | -1,264.87% |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | -59.71% |
| Dec 31, 2025 | -4.33% |
| Sep 30, 2025 | -188.46% |
| Jun 30, 2025 | -158.50% |
| Mar 31, 2025 | -6.07% |
| Dec 31, 2024 | 16.88% |
| Sep 30, 2024 | 3.46% |
| Jun 30, 2024 | 4.71% |
| Mar 31, 2024 | 1.91% |
| Dec 31, 2023 | 1.50% |
| Sep 30, 2023 | 7.43% |
| Jun 30, 2023 | 5.59% |
| Mar 31, 2023 | 2.87% |
| Dec 31, 2022 | -10.35% |
| Sep 30, 2022 | -8.49% |
| Jun 30, 2022 | -3.44% |
| Mar 31, 2022 | -3.21% |
| Dec 31, 2021 | -136.14% |
| Sep 30, 2021 | 13.31% |
| Jun 30, 2021 | 91.23% |