BayFirst Financial (BAFN)
Serving consumers and small businesses through a Tampa Bay national bank.
$7.27
At close+0.12 (+1.68%)
In millions of USD, except per-share figures
| In millions | Q3 FY23Sep 2023 | Q4 FY23Dec 2023 | Q1 FY24Mar 2024 | Q2 FY24Jun 2024 | Q3 FY24Sep 2024 | Q4 FY24Dec 2024 | Q1 FY25Mar 2025 | Q2 FY25Jun 2025 | Q3 FY25Sep 2025 | Q4 FY25Dec 2025 | Q1 FY26Mar 2026 | Q2 FY26Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 30 | 31 | 32 | 30 | 32 | 32 | 28 | 31 | 17 | 21 | 17 | 10 |
| Cost of revenue | 12 | 13 | 15 | 14 | 15 | 16 | 14 | 17 | 21 | 12 | 8 | 36 |
| Gross profit | 18 | 18 | 17 | 16 | 17 | 16 | 14 | 13 | −4 | 9 | 9 | −26 |
| 15 | 16 | 16 | 15 | 15 | 3 | 15 | 15 | 22 | 12 | 18 | 18 | |
| 11 | 11 | 11 | 10 | 10 | 9 | 9 | 9 | 9 | 6 | 11 | 12 | |
| Selling & marketing | 1 | 1 | 1 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| General & administrative | 10 | 10 | 10 | 9 | 10 | 9 | 9 | 9 | 9 | 6 | 11 | 12 |
| Other expenses | 5 | 5 | 5 | 5 | 5 | −6 | 6 | 6 | 13 | 6 | 7 | 5 |
| Operating income | 3 | 2 | 1 | 1 | 2 | 13 | 0 | −2 | −26 | −3 | −9 | −44 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | |
| Interest income | 18 | 19 | 19 | 20 | 21 | 22 | 21 | 23 | 22 | 21 | 17 | 16 |
| Interest expense | 9 | 10 | 10 | 11 | 12 | 11 | 10 | 10 | 10 | 10 | 8 | 7 |
| Other non-operating income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 |
| Income before tax | 3 | 2 | 1 | 1 | 2 | 13 | 0 | −2 | −26 | −3 | −8 | −44 |
| Income tax expense | 1 | 1 | 0 | 0 | 0 | 3 | 0 | 0 | −7 | 0 | −2 | −11 |
| Net income from continuing operations | 2 | 2 | 1 | 1 | 1 | 10 | 0 | −1 | −19 | −2 | −6 | −33 |
| Discontinued operations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net income | 2 | 2 | 1 | 1 | 1 | 10 | 0 | −1 | −19 | −2 | −6 | −33 |
| EPS, basic | $0.42 | $0.32 | $0.11 | $0.12 | $0.18 | $2.27 | −$0.17 | −$0.39 | −$4.67 | −$0.69 | −$1.48 | −$8.07 |
| EPS, diluted | $0.41 | $0.32 | $0.11 | $0.12 | $0.18 | $2.11 | −$0.17 | −$0.39 | −$4.66 | −$0.69 | −$1.48 | −$8.07 |
| Weighted average shares, basic | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 |
| Weighted average shares, diluted | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 |
| EBITDA | 4 | 4 | 3 | 3 | 4 | 16 | 2 | 1 | −24 | −1 | −8 | −44 |
| Depreciation & amortization | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 3 | 2 | 2 | 2 | 0 |
| EBIT | 3 | 2 | 1 | 1 | 2 | 13 | 0 | −2 | −26 | −3 | −9 | −44 |