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

Avg Volume43K

Open$5.40

Beta0.38

Free Cash Flow Financials Revenue

BayFirst Financial Corp. (BAFN) Free Cash Flow & Analysis

Annual & trailing free cash flow, FCF margin, YoY change, valuation ratios, and peer context.

BAFN · free cash flow · updated Jun 9, 2026

Core FCF metrics

BAFN · FCF · TTM · margin & CAGR

Free cash flow was $285.0M for FY2025 (fiscal year ending 2025-12-31), down 26.7% year-over-year The FCF margin was 273.5%.

FY2025 Free Cash Flow$285.0M▼ -26.7% YoY

Trailing 12M (TTM)$207.7Mtrailing 4 quarters sum

FCF Margin273.5%$285.0M ÷ revenue

3-Year CAGR-13.0%FY2022 → FY2025

5-Year CAGRN/AN/A — contains negative FCF

FormulaFCF = Operating Cash Flow − Capital ExpendituresTTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0

Source: FMP /cash-flow-statement · SEC 10-K / 10-Q · USDUpdated: Jun 9, 2026

Annual free cash flow history

FCF ($B, upper) · YoY Growth % (lower)

Positive FCFNegative FCF

Free Cash Flow

YoY Growth %

Annual free cash flow data

BAFN · free cash flow history · annual / quarterly

Fiscal YearOperating CFCapExFree Cash FlowYoY ChangeFCF Margin

FY2025Latest$285.3M(0M)$285.0M▼ 26.7%273.5%

FY2024$390.5M(2M)$388.8M▼ 13.1%310.5%

FY2023$454.8M(8M)$447.2M▲ +3.5%403.4%

FY2022$440.3M(8M)$432.2M▼ 10.4%650.8%

FY2021$495.4M(13M)$482.3M▲ +535.0%761.3%

FCF = Operating Cash Flow − Capital Expenditures · CapEx shown as (negative) · Source: SEC filings via FMP

FCF valuation metrics

BAFN · P/FCF · FCF yield · FCF per share

BayFirst Financial Corp. (BAFN) trades at a FCF yield of 909.55% and a price-to-free-cash-flow ratio of 0.1x. FCF per share stands at $50.30, calculated using trailing twelve-month FCF divided by basic weighted-average shares outstanding.

FCF Yield (TTM)

909.55%

Free Cash Flow ÷ Market Cap

per FMP freeCashFlowYieldTTM definition

FCF per Share (TTM)

$50.30

TTM FCF ÷ Shares Outstanding

Price / FCF

x0.1

Share Price ÷ FCF per Share

EV / FCF (TTM)

x0.2

Enterprise Value basis

Source: FMP /key-metrics-ttm · /cash-flow-statement Q · /income-statementFY2025 · 2025-12-31

Cash flow statement summary

BAFN · cash flow statement · operating / investing / financing

For FY2025, BayFirst Financial Corp. generated $285.3M in operating cash flow and spent 0M in capital expenditures, yielding $285.0M in free cash flow.

Operating Activities

+$285.3M

Cash from core business operations

2025-12-31

Investing Activities

−$194.9M

CapEx, acquisitions & investments

2025-12-31

Financing Activities

+$38.8M

Buybacks, dividends & debt

2025-12-31

FCF FormulaOperating CF ($285.3M) − |CapEx| (0M) = FCF ($285.0M)

For the complete Operating / Investing / Financing line-item breakdown:

View Full Cash Flow Statement →

Free cash flow vs peers (Financial Services)

BAFN vs peers · FCF

#CompanyFree Cash FlowYoYFCF MarginRelative

BayFirst Financial Corp.YOU

BAFN

$285.0M-26.7%273.5%

Berkshire Hathaway Inc.

BRK-B

$25.04B+115.6%6.7%

25%

Berkshire Hathaway Inc.

Mastercard Incorporated

$16.91B+18.2%51.6%

17%

Financial Services · Sorted by FCF · FMP /cash-flow-statementFull FCF Rankings →

About Free Cash Flow & Methodology

BayFirst Financial Corp. (BAFN) reported free cash flow of $285.0M for FY2025 (fiscal year ending 2025-12-31), down 26.7% year-over-year. The FCF margin was 273.5%.

Based on available data, BayFirst Financial Corp. has maintained positive free cash flow for at least 7 fiscal year(s). FCF peaked at $482.3M in FY2021.

BayFirst Financial Corp.'s FCF yield is 909.55% and price-to-FCF ratio is 0.1x for FY2025, based on the latest available data.

Data sourced from FMP /cash-flow-statement · SEC 10-K / 10-Q · USD.

Q&A and summaries align with SEC 10-K/10-Q cash flow disclosures and FMP /cash-flow-statement where noted.

Revenue Financial statements Net income Earnings Forecast Price history Market cap Cash on hand P/E ratio

Frequently asked questions

BAFN free cash flow · 8 questions

BayFirst Financial Corp. free cash flow was $285.0M for FY2025, down 26.7% year-over-year. On a trailing twelve-month (TTM) basis, free cash flow stands at $207.7M.

BAFN free cash flowBAFN FCFBAFN FCF 2025BAFN free cash flow TTM

▸ Source: FMP /cash-flow-statement · US GAAP · BayFirst Financial Corp. · BayFirst Financial Corp. SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 9, 2026