BayFirst Financial Corp. (BAFN) Earnings History
Net Loss35 years of earnings data (1991–2025) · Currently unprofitable on a TTM basis
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BayFirst Financial Corp. (BAFN) Earnings Overview
As of June 29, 2026, BayFirst Financial Corp. (BAFN) reported trailing twelve-month net income of -$28M, reflecting -345.2% year-over-year growth. The company earned $-6.90 per diluted share over the past four quarters, with a net profit margin of -22.0%.
Looking at the long-term picture, BAFN's historical earnings data spans multiple years. The company achieved its highest annual net income of $25M in fiscal 2021.
BayFirst Financial Corp. is currently reporting a net loss, though operating performance should be evaluated in the context of growth investments and industry dynamics View revenue history →
Compared to peers including CZWI ($15M net income, 16.0% margin), NECB ($44M net income, 28.2% margin), SMBC ($67M net income, 19.1% margin), BAFN has room to improve margins relative to the peer group. Compare BAFN vs CZWI →
BAFN Earnings vs Peers
Earnings metrics vs comparable public companies
BAFN Historical Earnings Data (1991–2025)
17 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | -$23M | -282.0% | -$31M | $-5.91 | -22.0% | -29.6% |
| 2024 | $13M | +121.0% | $17M | $2.41 | 10.1% | 13.6% |
| 2023 | $6M | +1733.8% | $8M | $1.12 | 5.1% | 7.2% |
| 2022 | $-349,000 | -101.4% | $7M | $-0.29 | -0.5% | 10.6% |
| 2021 | $25M | +93.8% | $12M | $5.91 | 38.9% | 18.5% |
| 2020 | $13M | +183.3% | $16M | $3.01 | 9.5% | 11.8% |
| 2019 | $4M | +472.0% | $6M | $1.27 | 6.0% | 8.4% |
| 2018 | -$1M | -294.1% | -$2M | $-0.43 | -2.5% | -3.5% |
| 2014 | $621,000 | +577.7% | $439,000 | $0.07 | 16.6% | 11.7% |
| 2013 | $-130,000 | -102.8% | $-130,000 | $-0.02 | -3.6% | -3.6% |
| 1997 | $5M | +9.3% | $7M | $0.57 | 100.0% | 151.1% |
| 1996 | $4M | -8.5% | $5M | $0.52 | 110.3% | 135.9% |
| 1995 | $5M | +11.9% | $7M | $0.58 | 92.2% | 145.1% |
| 1994 | $4M | -8.7% | $7M | $0.52 | 120.0% | 191.4% |
| 1993 | $5M | +100.0% | $7M | $0.57 | 67.6% | 95.6% |
| 1992 | $2M | +53.3% | $4M | $0.31 | 39.7% | 67.2% |
| 1991 | $2M | - | $3M | $0.21 | 29.4% | 49.0% |
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BAFN — Frequently Asked Questions
Quick answers to the most common questions about buying BAFN stock.
What is BAFN earnings per share (EPS)?
BAFN trailing twelve-month (TTM) diluted EPS is $-6.90, reflecting -345.2% year-over-year growth. The 5-year EPS CAGR is N/A. Complete EPS history from 1991 to 2025 is available in the table on this page.
What is BayFirst Financial Corp.'s net income?
BayFirst Financial Corp. (BAFN) trailing twelve-month net income is $-28M as of 2025. Earnings declined -345.2% year-over-year.
Is BAFN profitable?
BAFN is not currently profitable on a TTM basis, reporting a net loss of $-28M. Net margin is -22.0%. Investors should monitor for a return to profitability.
What is BAFN's earnings growth rate?
BAFN compound annual EPS growth rates (CAGR): 1-Year: N/A, 3-Year: N/A, 5-Year: N/A, 10-Year: N/A. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1991 to 2025.
What are BAFN's profit margins?
BayFirst Financial Corp. net profit margin is -22.0%, operating margin is -29.6%, and gross margin is +38.0%. Below-average margins reflect competitive or cost pressures. Return on Equity is -23.1%.
Is BAFN growing earnings?
BAFN earnings are declining — EPS fell -345.2% year-over-year. TTM net income dropped to $-28M. This contrasts with the 5-year CAGR of N/A.
What was BAFN's best earnings year?
BayFirst Financial Corp.'s highest annual net income on record is $25M, achieved in fiscal year 2021. Earnings history on this page spans 1991 to 2025 and includes all annual and quarterly figures.
What were BAFN's earnings last quarter?
BAFN's most recent reported quarter was Q1 2026. Net income was $-6M with diluted EPS of $-1.48. For a full breakdown of all quarters, see the quarterly earnings table on this page.