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
Profitability
EBT Margin 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%
EBIT Margin 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%
EBITDA Margin 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%
Net Margin 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%
FCF Margin 3.45%174.04%385.71%3,185.63%916.67%329.07%672.86%905.20%336.99%591.66%584.35%534.28%532.96%376.61%417.13%296.03%375.14%272.65%462.16%
Efficiency
Assets Average 1,457.53M1,070.99M930.42M902.82M904.96M925.83M934.59M1,004.37M1,078.62M1,110.69M1,125.87M1,130.98M1,181.03M1,231.48M1,266.70M1,290.13M1,317.91M1,344.92M
Equity Average 86.12M93.56M95.29M95.58M94.09M91.97M91.26M91.11M90.70M92.61M97.44M100.67M100.80M101.63M106.61M110.50M109.15M98.98M
Invested Capital 79.42M92.81M94.30M96.29M94.88M93.30M90.64M91.88M90.34M91.06M94.17M100.71M100.63M100.96M102.29M110.92M110.08M108.22M89.73M
Asset Utilization Ratio 0.120.090.050.060.070.070.070.070.080.080.080.070.080.070.070.06
Leverage & Solvency
Interest Coverage Ratio 5.459.34-0.101.410.901.282.921.711.221.241.291.241.111.111.132.180.950.84-1.50
Debt to Equity 1.530.720.060.430.310.270.280.330.060.100.150.540.100.050.180.370.56
Debt Ratio 0.150.080.010.040.030.030.020.030.010.010.010.050.010.000.020.030.04
Equity Ratio 0.050.080.100.100.110.100.100.100.080.080.080.090.090.080.080.090.090.080.07
Times Interest Earned 5.459.34-0.101.410.901.282.921.711.221.241.291.241.111.111.132.180.950.84-1.50
Dividends & Payouts
FCF Payout Ratio 0.210.000.010.000.000.010.000.000.010.000.000.000.000.000.000.000.010.01
Valuation
Enterprise Value -107.10M-19.24M-57.85M8.62M28.19M1.47M-72.15M-48.29M-73.50M-4.76M-3.96M-12.73M-10.02M-22.82M6.23M-19.49M-75.31M
Market Capitalization 90.49M64.25M76.55M64.69M67.51M59.52M55.41M39.05M53.62M53.55M48.04M54.36M54.97M69.38M57.81M43.24M
Return Ratios
Return on Sales 0.23%0.24%0.12%-0.07%-0.13%-0.12%-0.10%-0.02%0.00%0.00%0.00%0.01%0.11%0.11%0.10%-0.12%
Return on Invested Capital 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%
Return on Assets 0.03%0.02%0.01%0.00%-0.01%-0.01%-0.01%0.00%0.00%0.00%0.00%0.00%0.01%0.01%0.01%-0.01%
Return on Equity 0.28%0.20%0.06%-0.04%-0.09%-0.09%-0.08%-0.01%0.00%0.00%0.00%0.01%0.10%0.10%0.09%-0.11%