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Last update at 2025-06-17T15:19:00Z
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BayFirst Financial Corp. Reports First Quarter 2025 Results
Thu 24 Apr 25, 08:00 PMBayFirst Announces First Quarter 2025 Conference Call and Webcast
Mon 31 Mar 25, 01:00 PMBayFirst Financial Corp. Reports Fourth Quarter 2024 Results
Thu 30 Jan 25, 09:00 PM| Breakdown | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
| Income before tax | 7.04M | 32.48M | 15.78M | 6.30M | -1.67000M |
| Minority interest | - | - | - | - | - |
| Net income | 5.48M | 24.62M | 12.70M | 4.48M | -1.20500M |
| Selling general administrative | 32.05M | 99.83M | 77.11M | 40.65M | - |
| Selling and marketing expenses | 2.66M | 7.62M | 3.55M | 3.05M | - |
| Gross profit | 57.84M | 149.64M | 123.82M | 66.67M | 46.77M |
| Reconciled depreciation | 4.97M | 4.75M | 5.09M | 5.07M | 3.51M |
| Ebit | 4.81M | 32.48M | 15.78M | 6.30M | 2.70M |
| Ebitda | 9.78M | 37.23M | 20.87M | 11.37M | 6.21M |
| Depreciation and amortization | 4.97M | 4.75M | 5.09M | 5.07M | 3.51M |
| Non operating income net other | - | - | - | - | - |
| Operating income | 4.81M | 32.48M | 15.78M | 6.30M | 2.70M |
| Other operating expenses | 2.66M | 117.16M | 108.04M | 60.37M | 44.07M |
| Interest expense | 8.57M | 7.30M | 10.28M | 8.27M | 4.37M |
| Tax provision | 1.56M | 7.86M | 3.07M | 1.81M | -0.46500M |
| Interest income | 37.97M | 47.54M | 43.73M | 25.70M | 21.60M |
| Net interest income | 29.40M | 40.24M | 33.45M | 17.43M | 17.23M |
| Extraordinary items | - | - | - | - | - |
| Non recurring | - | - | - | - | - |
| Other items | - | - | - | - | - |
| Income tax expense | 1.56M | 7.86M | 3.07M | 1.81M | -0.46500M |
| Total revenue | 57.84M | 149.64M | 123.82M | 66.67M | 46.77M |
| Total operating expenses | 2.66M | -117.15900M | -108.03736M | -60.37491M | -44.07100M |
| Cost of revenue | - | - | - | - | - |
| Total other income expense net | 2.23M | -7.30000M | -10.27831M | -8.26684M | -4.36800M |
| Discontinued operations | -5.82700M | 15.59M | 15.59M | 15.59M | - |
| Net income from continuing ops | 5.48M | 24.62M | 12.70M | 4.48M | -1.20500M |
| Net income applicable to common shares | -1.18100M | 23.61M | 11.84M | 4.02M | - |
| Preferred stock and other adjustments | 0.83M | - | - | - | - |
| Breakdown | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Total assets | 1117.77M | 938.89M | 917.10M | 1544.69M | 531.24M |
| Intangible assets | 14.96M | 10.91M | 6.62M | 8.16M | 11.28M |
| Earning assets | - | - | - | - | - |
| Other current assets | 70.16M | -4.88100M | 698.80M | 1449.58M | 385.51M |
| Total liab | 1017.06M | 847.01M | 820.80M | 1473.62M | 479.91M |
| Total stockholder equity | 100.71M | 91.88M | 96.29M | 71.07M | 51.33M |
| Deferred long term liab | - | - | - | - | - |
| Other current liab | 625.04M | -1.68400M | -0.32600M | -1.99866M | -0.22017M |
| Common stock | 54.52M | 53.02M | 51.50M | 43.04M | 41.36M |
| Capital stock | 70.25M | 62.32M | 60.78M | 57.72M | 49.02M |
| Retained earnings | 34.40M | 33.48M | 35.95M | 13.39M | 2.46M |
| Other liab | - | - | - | - | - |
| Good will | - | - | - | - | - |
| Other assets | - | 786.45M | 698.80M | 1449.58M | 385.51M |
| Cash | 63.03M | 70.93M | 112.11M | 57.76M | 112.96M |
| Cash and equivalents | - | - | - | - | - |
| Total current liabilities | 635.50M | 6.38M | 0.33M | 2.00M | 0.22M |
| Current deferred revenue | -0.88200M | 0.98M | - | - | - |
| Net debt | -42.07400M | -33.55300M | -98.07700M | -44.13222M | -88.50065M |
| Short term debt | 10.46M | 6.38M | 8.05M | - | - |
| Short long term debt | - | - | - | - | - |
| Short long term debt total | 20.96M | 37.37M | 14.03M | 13.63M | 24.46M |
| Other stockholder equity | - | -0.17800M | -0.01700M | -0.04096M | -0.15612M |
| Property plant equipment | - | 38.62M | 34.21M | 21.85M | 19.33M |
| Total current assets | 70.16M | 112.85M | 146.56M | 65.06M | 115.08M |
| Long term investments | 42.06M | 47.35M | 30.89M | 0.04M | 0.04M |
| Net tangible assets | - | 82.60M | 87.01M | 56.39M | 43.67M |
| Short term investments | 39.58M | 42.35M | 30.89M | - | - |
| Net receivables | 7.13M | 4.45M | 3.56M | 7.30M | 2.12M |
| Long term debt | 18.34M | 33.84M | 9.28M | 9.70M | 21.51M |
| Inventory | -3.03100M | - | 0.00300M | - | - |
| Accounts payable | 0.88M | 0.70M | 0.33M | 2.00M | 0.22M |
| Total permanent equity | - | - | - | - | - |
| Noncontrolling interest in consolidated entity | - | - | - | - | - |
| Temporary equity redeemable noncontrolling interests | - | - | - | - | - |
| Accumulated other comprehensive income | -3.93900M | -3.72400M | -0.42000M | - | - |
| Additional paid in capital | - | - | - | - | - |
| Common stock total equity | - | 53.02M | - | - | - |
| Preferred stock total equity | - | 9.28M | - | - | - |
| Retained earnings total equity | - | 33.48M | - | - | - |
| Treasury stock | - | - | - | - | - |
| Accumulated amortization | - | - | - | - | - |
| Non currrent assets other | 57.26M | -58.25700M | -0.45400M | -30.05265M | -30.64952M |
| Deferred long term asset charges | - | - | - | - | - |
| Non current assets total | 1047.61M | 39.60M | 71.73M | 30.05M | 30.65M |
| Capital lease obligations | 2.62M | 3.54M | 4.75M | 3.93M | 2.95M |
| Long term debt total | - | 8.84M | - | - | - |
| Breakdown | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Investments | -611.64900M | -74.87700M | -31.52700M | 0.00198M | 1.25M |
| Change to liabilities | - | 3.73M | 0.00000M | 0.00000M | 0.00000M |
| Total cashflows from investing activities | - | -510.60500M | 601.86M | -933.37769M | -37.73507M |
| Net borrowings | - | -45.10900M | -812.13100M | 869.92M | 7.27M |
| Total cash from financing activities | 178.82M | 26.67M | -648.72500M | 985.98M | 157.96M |
| Change to operating activities | - | 1.94M | -4.91700M | 0.89M | 2.50M |
| Net income | 5.92M | 5.48M | 24.62M | 12.70M | 4.48M |
| Change in cash | -7.66100M | -43.68100M | 54.35M | -55.20135M | 81.70M |
| Begin period cash flow | 66.05M | 109.73M | 55.38M | 110.58M | 28.88M |
| End period cash flow | 58.38M | 66.05M | 109.73M | 55.38M | 110.58M |
| Total cash from operating activities | 454.80M | 440.25M | 101.21M | -107.79967M | -38.52653M |
| Issuance of capital stock | 2.22M | 0.51M | 2.58M | 7.38M | 9.76M |
| Depreciation | 6.75M | 4.97M | 4.75M | 5.09M | 5.07M |
| Other cashflows from investing activities | - | -427.66400M | -12.46500M | -11.86270M | -0.84740M |
| Dividends paid | 2.28M | 2.12M | 2.06M | 1.78M | 1.31M |
| Change to inventory | - | - | - | - | - |
| Change to account receivables | -2.67800M | -0.92000M | 3.74M | -5.17725M | -0.37566M |
| Sale purchase of stock | -0.01300M | -0.04900M | 169.56M | - | - |
| Other cashflows from financing activities | 196.32M | 98.44M | -0.00600M | 998.23M | 158.04M |
| Change to netincome | - | 433.75M | 72.92M | -121.30757M | -50.20031M |
| Capital expenditures | 7.58M | 8.06M | 13.30M | 3.05M | 7.31M |
| Change receivables | - | -0.92000M | - | - | - |
| Cash flows other operating | - | 3.21M | - | - | - |
| Exchange rate changes | - | - | - | - | - |
| Cash and cash equivalents changes | - | -43.68100M | - | - | - |
| Change in working capital | -6.85500M | 1.02M | -1.18100M | -4.28952M | 2.12M |
| Stock based compensation | 0.76M | 0.85M | 0.52M | 0.44M | 0.39M |
| Other non cash items | 446.10M | 427.50M | 69.00M | -118.04141M | -51.18155M |
| Free cash flow | 447.21M | 432.19M | 87.92M | -110.84670M | -45.83802M |
Sector: Financial Services Industry: Banks - Regional
| Company | Change (USD) | Price (USD) | Trailing PE (x) | Forward PE (x) | Price Sales TTM (x) | Price to Book Value (x) | Enterprise Value to Revenue (x) |
|---|---|---|---|---|---|---|---|
| BAFN Bayfirst Financial Corp |
-0.6199 4.10% | 14.50 | 17.84 | - | 0.72 | 0.63 | 1.12 |
| HDB HDFC Bank Limited ADR |
-0.46 0.61% | 74.38 | 20.81 | 20.96 | 0.11 | 4.77 | |
| CIHKY China Merchants Bank Co Ltd |
0.60 1.76% | 34.68 | 6.61 | 5.68 | 0.48 | 0.77 | 3.43 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% | 6.50 | 6.10 | 5.67 | 0.44 | 0.77 | 3.43 |
| IBN ICICI Bank Limited |
-0.3 0.90% | 32.96 | 17.79 | 16.95 | 0.07 | 3.08 |
BayFirst Financial Corp. operates as the bank holding company for BayFirst National Bank that provides community banking services for businesses and individuals. The company offers checking, savings, NOW, and money market deposit accounts, as well as certificates of deposit and individual retirement account; and safety deposit boxes. It also provides commercial real estate mortgages; construction and development, working capital, and business loans; auto, boat, and recreational vehicle loans; and residential mortgages, personal lines of credit, and home equity lines of credit. In addition, the company offers mobile and online banking, treasury management, wire transfers, cash management, merchant processing, remote deposit capture, night depositor, online bill payment, courier, retail investment, ACH originations, and other services. It operates full-service banking centers in St. Petersburg, Seminole, Pinellas Park, Clearwater, Sarasota, Tampa, Belleair Bluffs, and Bradenton, Florida. The company was formerly known as First Home Bancorp, Inc. and changed its name to BayFirst Financial Corp. in May 2021. BayFirst Financial Corp. was founded in 1999 and is headquartered in Saint Petersburg, Florida.
700 Central Avenue, Saint Petersburg, FL, United States, 33701
| Name | Title | Year Born |
|---|---|---|
| Mr. Anthony Nicholas Leo J.D. | CEO & Director | 1961 |
| Mr. Thomas G. Zernick | Pres | 1963 |
| Ms. Brandi Nicole Jaber | Pres of Residential Mortgage Division | 1974 |
| Ms. Robin L. Oliver | Exec. VP, COO & CFO | 1976 |
| Mr. John Macaluso | Exec. VP & CTO | NA |
| Mr. Lewis O. Benner Jr. | Exec. VP & Chief Credit Officer | 1961 |
| Mr. Brian Green | VP of First Home Bank & Controller of First Home Bank | NA |
| Mr. Matthew Mann Luckey | Exec. VP, Chief Banking Officer & Chief Lending Officer | 1974 |
| Mr. Thomas G. Zernick | CEO & Director | 1964 |
| Ms. Robin L. Oliver | President & COO | 1977 |
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