Companies: 10,795·Total market cap: $144.5T
BayFirst Financial Corp.

BayFirst Financial Corp.

BAFNNASDAQFinancial Services● Active
$5.56
+$0.16(+2.96%)
Market Cap$22834420
P/E Ratio—
52W High$15.5
52W Low$4.801
Cash on HandFinancialsRevenue

BayFirst Financial Corp. (BAFN) Cash on Hand — Cash & Short-Term Investments

Cash & cash equivalents plus short-term investments from the balance sheet, YoY change, and net cash vs debt context.

BAFN · cash on hand · updated Dec 31, 2025

Core cash position

Cash & Short-Term Investments (CCE + ST Investments)
$207.0M▲ +132.7% vs prior year
FY · as of Dec 31, 2025 · Reported in USD
Cash & Cash Equiv. (CCE)
$207.0M
cashAndCashEquivalents
Short-Term Investments
$0
shortTermInvestments
YoY Change vs Prior Year
+132.7%
vs prior fiscal year
Latest Quarter
$6.8M
Q1 2026
Data Scope & Methodology

Cash on Hand = Cash & Cash Equivalents (CCE) + Short-Term Investments, as reported on the balance sheet (10-K/10-Q). Also referred to as cash reserves or cash position. Not free cash flow.

Source: FMP /balance-sheet-statement · SEC 10-K / 10-Q · Reported in USD

Source: FMP /balance-sheet-statement · SEC 10-K / 10-Q · USDUpdated: December 31, 2025

Net cash vs debt

Cash & ST Investments$207.0MCash on Hand
Total Debt$20.8MTotal Debt
Net Cash / Net Debt+$186.2MNet Cash Position
Cash vs Debt Ratio
Cash 91%Debt 9%

BayFirst Financial Corp. has a net cash position of $186.2M, holding more cash than debt.

Net Cash = Cash & ST Investments − Total Debt$207.0M − $20.8M = +$186.2M

Cash on hand history

YoY Increase
YoY Decrease
Latest Year
BAFN annual cash on hand history · Cash & Short-Term Investments · Source: FMP /balance-sheet-statement

Annual cash on hand by year

DateCash & ST InvestmentsYoY Change
Dec 31, 2025Latest$207.0M+132.7%
Dec 31, 2024$88.9M-13.3%
Dec 31, 2023$102.6M-9.4%
Dec 31, 2022$113.3M-20.8%
Dec 31, 2021$143.0M+147.6%
BAFN cash on hand annual historical data · Cash & Short-Term Investments per balance sheet (10-K/10-Q) · Reported in USD · Source: FMP /balance-sheet-statement

Financial Services Sector Cash Reserves Comparison

#CompanyCash & ST Inv.Cash/MCap
#1
JPMorgan Chase & Co.
JPMorgan Chase & Co.
JPM
$1.48T177.5%#2
Berkshire Hathaway Inc.
Berkshire Hathaway Inc.
BRK-B
$373.31B35.5%#3
Visa Inc.
Visa Inc.
V
$21.99B3.6%#4
Mastercard Incorporated
Mastercard Incorporated
MA
$10.90B2.5%
#5
BayFirst Financial Corp.
BayFirst Financial Corp.YOU
BAFN
$207.0M906.5%
Financial Services sector cash reserves · Source: FMP /balance-sheet-statement + /profile · Sorted by Cash desccompanies with most cash on hand →

About cash on hand & methodology

BayFirst Financial Corp. (BAFN) cash on hand as of December 31, 2025 is $207.0M, comprising $207.0M in cash and cash equivalents (CCE) plus $0 in short-term investments — reported as BayFirst Financial Corp. cash and short-term investments on the balance sheet (10-K filing). Also referred to as BayFirst Financial Corp. cash reserves or cash position.

BayFirst Financial Corp. annual cash on hand history shows increased +132.7% in 2025: increased +132.7% in 2025. BayFirst Financial Corp. cash reserves in 2025 reflect the company's capital allocation strategy.

BayFirst Financial Corp. carries total debt of $20.8M against cash of $207.0M, resulting in a net cash position of +$186.2M. For the full balance sheet, see the Financials → Balance Sheet tab.

Figures tie to SEC 10-K/10-Q balance sheet disclosures and FMP /balance-sheet-statement where noted.
Financial statementsFree cash flowNet incomeRevenueMarket capP/E ratioEarningsPrice history

Frequently asked questions

BAFN cash on hand · 5 questions

As of December 31, 2025, BayFirst Financial Corp. (BAFN) has $206,982,000 in cash on hand — defined as cash and short-term investments on the balance sheet. This includes $206,982,000 in cash and cash equivalents (CCE) plus $0 in short-term investments. Latest quarter (March 31, 2026): $6,848,000. Data sourced from the annual 10-K filing via FMP.

BAFN cash on handBAFN cash reservesBAFN cash 2025how much cash does BAFN have

▸ Source: FMP /balance-sheet-statement · US GAAP · BayFirst Financial Corp. · BayFirst Financial Corp. SEC 10-K & 10-Q filings · US GAAP · Last updated: December 31, 2025