Financials in USD. Standardized financial statements.
A compact view of how BayFirst Financial Corp. turns revenue into operating income and net income.
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue? | $104.19M | $125.24M | $110.85M | $66.41M | $63.35M | $134.09M | $74.94M | $48.12M | $35.14M | $20.57M |
| Revenue Growth? | -16.8% | +13.0% | +66.9% | +4.8% | -52.8% | +78.9% | +55.7% | +36.9% | +70.9% | 0.0% |
| Cost of Revenue? | $64.59M | $59.51M | $42.53M | $7.87M | $3.80M | $27.18M | $17.14M | $5.70M | $7.00M | $3.88M |
| Gross Profit? | $39.59M | $65.73M | $68.32M | $58.54M | $59.55M | $106.92M | $57.80M | $42.41M | $28.14M | $16.68M |
| Gross Margin? | +38.0% | +52.5% | +61.6% | +88.2% | +94.0% | +79.7% | +77.1% | +88.1% | +80.1% | +81.1% |
| Operating Expenses? | $70.42M | $48.74M | $60.28M | $51.50M | $47.83M | $91.14M | $51.51M | $44.08M | $22.52M | $9.89M |
| Operating Income? | -$30.83M | $16.99M | $8.03M | $7.04M | $11.72M | $15.78M | $6.30M | -$1.67M | $5.62M | $6.79M |
| EBITDA? | -$30.83M | $25.71M | $14.79M | $12.01M | $16.05M | $20.84M | $11.37M | $1.84M | $5.62M | $6.79M |
| Income Before Tax | -$30.83M | $16.99M | $8.03M | $7.04M | $11.72M | $15.78M | $6.30M | -$1.67M | $5.62M | $6.79M |
| Income Tax Expense | -$7.89M | $4.32M | $2.12M | $1.56M | $2.69M | $3.08M | $1.81M | -$464,843 | $2.27M | $2.56M |
| Net Income? | -$22.94M | $12.60M | $5.70M | -$349,000 | $24.62M | $12.70M | $4.48M | -$1.21M | $3.34M | $4.23M |
| EPS? | $-5.93 | $2.68 | $1.16 | $-0.29 | $6.21 | $3.45 | $1.27 | $-0.43 | $1.51 | $2.41 |
| Diluted EPS? | $-5.91 | $2.41 | $1.12 | $-0.29 | $5.91 | $3.01 | $1.27 | $-0.43 | $1.51 | $2.41 |
Revenue, profitability, margins, EPS, and share-count trends over time.
Top-line demand and scale over time
Profit left after direct production costs
Core business profitability before financing and tax
Bottom-line profit after all expenses
Profit allocated to each diluted share
Share count trend that affects EPS quality
Gross, operating, and net margin quality