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Bayfirst Financial Corp. key statistics and ratios

In fiscal 2025, Bayfirst Financial Corp. had return on equity of -26.1% and a net margin of -39.0%. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.

Financial ratios

US$ thousands unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2020Dec 20202021Dec 20212022Dec 20222023Dec 20232024Dec 20242025Dec 2025LTMJun 2026
Net margin9.7%42.1%−0.6%6.6%10.6%−39.0%−182.3%
Return on equity17.9%29.4%−0.4%6.0%9.9%−26.1%−61.1%
Return on assets0.8%2.0%−0.0%0.6%0.8%−1.9%−5.0%
Effective tax rate19.5%23.0%22.2%26.4%25.5%——
Dividends ÷ net income7.2%4.3%—23.0%13.0%——

Returns use average equity or assets over the year. Return on equity is left blank when equity is negative or so small that the ratio says nothing (above ±200%); interest cover is left blank above 200 times. Price-based ratios such as P/E are on the valuation page.

Moat

Not assessed: fewer than five years of comparable figures in the filings. AI disruption exposure for this industry: Medium.

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Compare with peers

Head to head: BAFN vs SRBKAUBN vs BAFNBAFN vs BYFC

More: Regional Banks stocks compared, Financials sector, rankings of US companies

Figures from Bayfirst Financial Corp.'s SEC filings (10-K and 10-Q), retrieved October 31, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to Bayfirst Financial Corp.