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BayFirst Financial Corp

NAS:BAFNFinancial ServicesNASDAQ:BANKnasdaq_composite

$6.97+1.75%LiveIn session · ≈ AED 25.60 · Market cap $187.93M · Next earnings Thu 5 Nov

Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	Current · undated	YoY
Gross margin	79.7%	94.0%	88.2%	61.6%	52.5%	38.0%	—	—
Operating margin	11.8%	18.5%	10.6%	7.2%	13.6%	−29.6%	−29.6%	+0.0 pts
Net margin	9.5%	38.9%	−0.5%	5.1%	10.1%	−22.0%	−22.0%	+0.0 pts
EBITDA margin	15.5%	25.3%	18.1%	13.3%	20.5%	−20.8%	—	—
Return on equity	17.9%	25.6%	−0.4%	5.7%	11.4%	−26.2%	−26.2%	+0.0 pts
Return on assets	0.8%	2.7%	−0.0%	0.5%	1.0%	−1.8%	−1.8%	+0.0 pts
Return on capital employed	1.6%	6.3%	5.4%	6.1%	11.8%	−26.8%	—	—
Debt / equity	0.2×	0.1×	0.4×	0.2×	0.2×	0.2×	0.2×	+0.0%
Debt / assets	0.9%	1.4%	4.0%	1.9%	1.7%	1.6%	—	—
Interest coverage	1.5×	1.6×	0.8×	0.3×	0.4×	−0.8×	—	—
Current ratio	0.1×	0.2×	0.1×	0.1×	0.1×	0.2×	0.2×	+0.0%
Quick ratio	0.1×	0.2×	0.1×	0.1×	0.1×	0.2×	—	—
Cash ratio	0.1×	0.2×	0.1×	0.1×	0.1×	0.2×	0.2×	+0.0%
Asset turnover	0.1×	0.1×	0.1×	0.1×	0.1×	0.1×	—	—
Receivables turnover	18.4×	17.9×	14.9×	15.5×	13.7×	12.4×	—	—
Dividend payout	14.0%	8.4%	−607.2%	40.0%	22.7%	−6.3%	—	—