BayFirst Financial Corp. (BAFN)
It posted a net loss of $60.4M. Operating cash flow minus capital spending left $288.5M of free cash flow in fiscal 2025. At June 30, 2026 it held $139.2M in cash. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on August 14, 2026.
Key facts about BayFirst Financial Corp.
- Net worth
- BayFirst Financial Corp. has a market value (market cap) of $161.8M at the latest share price, and shareholders' equity of $115.9M on its balance sheet at June 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Cash flow
- In fiscal 2025 operations brought in $288.8M of cash; after $300K of capital spending, free cash flow was $288.5M.
- Latest report
- The latest periodic report (quarterly report, 10-Q) was filed with the SEC on August 14, 2026 and covers the period to June 30, 2026. Open on SEC EDGAR
- Next earnings report
- BayFirst Financial Corp.'s next report is expected around January 28, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
- Dividend
- BayFirst Financial Corp. declared dividends of $0.16 per share in fiscal 2025, a yield of 2.67% at the current price.
What BayFirst Financial Corp. does
BayFirst Financial Corp. is registered with the SEC under industry code SIC 6022 (State Commercial Banks). Its shares trade on NASDAQ under the ticker BAFN.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | n/a | -$24.6M | -$6.32 | $288.5M |
| 2024 | n/a | $10.2M | $2.09 | $391.7M |
| 2023 | n/a | $5.7M | $0.89 | $447.2M |
| 2022 | n/a | -$349K | -$0.18 | $432.2M |
| 2021 | n/a | $24.6M | $4.71 | $482.3M |
| 2021 | n/a | $12.7M | $2.40 | -$110.9M |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Dividends
BayFirst Financial Corp. declared $0.16 per share in fiscal 2025. At the current price that is a yield of 2.67%. It paid out $663K in cash dividends.
| Fiscal year | Per share | Paid out | Of profit |
|---|---|---|---|
| 2025 | $0.16 | $663K | n/a |
| 2024 | $0.24 | $1.3M | 13% |
| 2023 | $0.24 | $1.3M | 23% |
| 2022 | $0.24 | $1.3M | n/a |
| 2021 | $0.21 | $1.1M | 4% |
| 2021 | $0.20 | $915K | 7% |
Latest SEC filings
What BayFirst Financial Corp. has filed recently, newest first. Each links to the original document on SEC EDGAR.
- November 3, 2026
- October 29, 2026
- October 19, 2026Activist stake changed SCHEDULE 13D/A
- October 13, 2026Activist stake changed SCHEDULE 13D/A
- September 30, 2026
- September 29, 2026Executive or director change8-KBayFirst Financial Corp. entered into revised employment agreements with its Chief Operating Officer and Chief Financial Officer.
- September 24, 2026
- September 1, 2026Other event 8-K
- August 27, 2026
- August 21, 2026
Insider trades
What the people running BayFirst Financial Corp. did with its shares, from the Form 4 filings they must send the SEC within two business days.
No insider bought or sold shares on the open market in the last 90 days. The 22 reported changes were pay in shares, option exercises, shares withheld for tax or gifts.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| November 6, 2026 | Oliver Robin LeighCOO | Other change | 27,472 | - |
| November 6, 2026 | Deloach Dennis Reppard IIIDirector | Other change | 137,362 | - |
| November 6, 2026 | Berset Mark SDirector | Other change | 96,153 | - |
| November 6, 2026 | Berset Mark SDirector | Other changeindirect | 41,208 | - |
| November 6, 2026 | Berset Mark SDirector | Other changeindirect | 27,472 | - |
| November 6, 2026 | Zipperian Barbara JDirector | Other change | 824 | - |
| November 6, 2026 | McKim Scott JosephEVP, Chief Financial Officer | Other change | 2,747 | - |
| October 8, 2026 | Saravanos AnthonyDirector | Other change | 57,159 | $200.1K |
Who owns BAFN
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
| Holder | Of class | Filed |
|---|---|---|
| Lehman Kenneth R13D, may seek influence | 42.4% | July 16, 2026 |
| INTERPLUS RE Ltd13G, passive | 5.4% | May 20, 2026 |
Largest institutional holders
Positions that investment managers reported on Form 13F for the quarter ended June 30, 2026, largest first, with the change on the quarter ended March 31, 2026. Managers file 13F up to 45 days after a quarter ends. 15 managers reported a position.
| Holder | Shares | Change on quarter |
|---|---|---|
| Vanguard Capital Management LLC | 150,806 | +2,171 |
| First Manhattan Co. LLC. | 132,926 | +5,000 |
| Banc Funds Co LLC | 91,679 | 0 |
| BlackRock, Inc. | 52,828 | +1,093 |
| Geode Capital Management, LLC | 38,775 | -5,378 |
| Stifel Financial Corp | 36,673 | +5,473 |
| Modern Wealth Management, LLC | 27,661 | new |
| Vanguard Fiduciary Trust Co | 22,215 | +1,049 |
| LPL Financial LLC | 19,321 | +6,500 |
| Renaissance Technologies LLC | 15,600 | new |
| Citadel Advisors LLC | 13,091 | +180 |
| Vanguard Global Advisers, LLC | 1,412 | 0 |
| Jones Financial Companies Lllp | 343 | 0 |
| Morgan Stanley | 179 | 0 |
| Barclays PLC | 16 | new |
Insiders
16 insiders reported holding 14,189,702 shares in total, about $85.1M at the last price.
| Holder | Shares |
|---|---|
| Lehman Kenneth RDirector, 10% owner | 12,177,535 |
| Rogers Alfred Tate JrCEO & President, Director | 691,394691,394 held indirectly |
| Berset Mark SDirector | 650,738124,866 held indirectly |
| Deloach Dennis Reppard IIIDirector | 206,677 |
| Saravanos AnthonyDirector | 114,181 |
| Politis ChristosDirector | 87,323 |
| Berset Derek StevenDirector | 70,233 |
| Oliver Robin LeighPresident, COO, Director | 50,617 |
| Spoor Bradly WilliamDirector | 49,84243,867 held indirectly |
| Leo Anthony NDirector | 36,825 |
Questions about BAFN
What does BayFirst Financial Corp. do?
BayFirst Financial Corp. is a company in the Finance sector, listed on NASDAQ as BAFN. Its shares trade on NASDAQ under the ticker BAFN.
What is BayFirst Financial Corp.'s net worth?
BayFirst Financial Corp. has a market value (market cap) of $161.8M at the latest share price, and shareholders' equity of $115.9M on its balance sheet at June 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is BayFirst Financial Corp. profitable?
No. Over the twelve months to June 30, 2026 it reported a net loss of $60.4M.
When did BayFirst Financial Corp. last report?
Its most recent periodic report is the quarterly report (10-Q) filed on August 14, 2026. It covers the period to June 30, 2026. Its newest filing of any kind is the insider trade from November 9, 2026.
When is BayFirst Financial Corp.'s next earnings report?
BayFirst Financial Corp.'s next report is expected around January 28, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
Does BayFirst Financial Corp. pay a dividend?
Yes. BayFirst Financial Corp. declared dividends of $0.16 per share in fiscal 2025, a yield of 2.67% at the current price.
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Where the numbers come from
Financial figures are the values BayFirst Financial Corp. tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.