BayFirst Financial Ratios (2021-2025) | BAFN

Ratios Mar2021 Jun2021 Sep2021 Dec2021 Mar2022 Jun2022 Sep2022 Dec2022 Mar2023 Jun2023 Sep2023 Dec2023 Mar2024 Jun2024 Sep2024 Dec2024 Mar2025 Jun2025 Sep2025 Dec2025
Profitability
EBT Margin (Quarter) 21.99%34.13%-21.30%5.10%-1.21%2.27%21.43%16.40%6.20%8.92%11.46%10.03%5.12%5.88%7.07%39.62%-2.34%-7.13%-253.04%-25.53%
EBIT Margin (Quarter) 26.93%38.23%-1.91%17.59%10.56%10.49%32.57%39.65%34.30%45.44%51.45%52.37%50.52%59.85%62.28%73.34%46.70%36.76%-151.67%63.05%
EBITDA Margin (Quarter) 26.93%38.23%-1.91%17.59%10.56%10.49%32.57%39.65%34.30%45.44%51.45%52.37%50.52%59.85%62.28%73.34%46.70%36.76%-151.67%63.05%
Net Margin (Quarter) 15.68%25.00%13.31%22.95%-1.72%-3.44%-8.49%6.56%2.87%5.59%7.43%5.58%1.91%2.30%3.46%28.52%-3.65%-7.01%-188.46%-25.76%
FCF Margin (Quarter) 3.45%174.04%-1,275.45%3,357.17%617.53%318.82%859.25%905.20%336.92%591.72%582.89%535.71%532.51%376.11%418.07%295.00%375.14%272.65%462.16%909.24%
Efficiency
Assets Average (Quarter) 1,457.53M1,070.99M930.42M902.82M904.96M925.83M934.59M1,004.37M1,078.62M1,110.69M1,125.87M1,130.98M1,181.03M1,231.48M1,266.70M1,290.13M1,317.91M1,344.92M1,323.12M
Equity Average (Quarter) 86.12M93.56M95.29M95.58M94.09M91.97M91.26M91.11M90.70M92.61M97.44M100.67M100.80M101.63M106.61M110.50M109.15M98.98M88.65M
Invested Capital (Quarter) 79.42M92.81M94.30M96.29M94.88M93.30M90.64M91.88M90.34M91.06M94.17M100.71M100.63M100.96M102.29M110.92M110.08M108.22M89.73M87.57M
Asset Utilization Ratio (Quarter) 0.120.090.050.060.070.070.070.070.080.080.080.070.080.070.070.060.05
Leverage & Solvency
Interest Coverage Ratio (Quarter) 5.459.34-0.101.410.901.282.921.711.221.241.291.241.111.111.132.180.950.84-1.500.71
Debt to Equity (Quarter) 1.530.720.060.070.070.330.060.100.150.060.060.050.180.370.070.07
Debt Ratio (Quarter) 0.150.080.010.010.010.030.010.010.010.000.000.000.020.030.000.00
Equity Ratio (Quarter) 0.050.080.100.100.110.100.100.100.080.080.080.090.090.080.080.090.090.080.070.07
Times Interest Earned (Quarter) 5.459.34-0.101.410.901.282.921.711.221.241.291.241.111.111.132.180.950.84-1.500.71
Dividends & Payouts
FCF Payout Ratio (Quarter) 0.210.000.000.000.000.000.000.000.010.000.000.000.000.010.000.000.010.000.00
Valuation
Enterprise Value (Quarter) -107.10M-109.73M-122.10M-67.94M-36.50M-66.05M-131.67M-103.71M-112.55M-58.38M-57.51M-60.77M-64.38M-77.79M-63.15M-77.30M-118.55M-206.98M
Return Ratios
Return on Sales (Quarter) 0.16%0.25%0.33%-0.23%0.01%-0.06%-0.31%-0.06%-0.01%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%
Return on Invested Capital (Quarter) 0.27%0.18%0.01%0.10%0.13%0.18%0.24%0.28%0.30%0.33%0.35%0.36%0.43%0.40%0.38%0.19%0.08%
Return on Assets (Quarter) 0.02%0.01%0.00%-0.01%-0.01%-0.01%-0.01%0.00%0.00%0.00%0.00%0.00%0.00%0.00%
Return on Equity (Quarter) 0.22%0.14%-0.01%-0.10%-0.09%-0.09%-0.08%-0.01%0.00%0.00%0.00%0.00%0.00%0.00%