BayFirst Financial Corp. (BAFN) quarterly income statement — complete revenue, gross profit & net income history
| Net Interest Income | 9.45M | 11.16M | 11.28M | 12.35M | 11M | 10.65M | 9.45M | 9.18M | 8.74M | 8.88M | 8.39M | 10.11M |
| NII Growth % | -14.09% | 4.74% | 19.38% | 34.48% | 25.82% | 20.01% | 12.58% | -9.16% | -3.44% | 3.53% | -8.47% | 53.45% |
| Net Interest Margin % | 0.79% | 0.86% | 0.84% | 0.92% | 0.85% | 0.83% | 0.76% | 0.75% | 0.76% | 0.79% | 0.74% | 0.93% |
| Interest Income | 17.44M | 20.95M | 21.65M | 22.5M | 20.68M | 21.75M | 21.44M | 20.43M | 19.19M | 18.85M | 17.62M | 17.79M |
| Interest Expense | 7.99M | 9.79M | 10.37M | 10.16M | 9.69M | 11.1M | 11.99M | 11.24M | 10.45M | 9.98M | 9.23M | 7.68M |
| Loan Loss Provision | 0 | 2.01M | 10.91M | 7.26M | 4.4M | 4.55M | 3.12M | 3M | 4.06M | 2.74M | 3M | 2.77M |
| Non-Interest Income | 0 | -104K | -4.32M | 8.24M | 7.72M | 9.87M | 10.32M | 9.7M | 12.55M | 11.96M | 12.7M | 9.72M |
| Non-Interest Income % | 0% | -0.5% | -24.91% | 26.79% | 27.17% | 31.21% | 32.48% | 32.19% | 39.54% | 38.82% | 41.88% | 35.32% |
| Total Revenue | 17.44M | 20.85M | 17.34M | 30.74M | 28.4M | 31.62M | 31.76M | 30.12M | 31.74M | 30.82M | 30.32M | 27.51M |
| Revenue Growth % | -38.6% | -34.08% | -45.42% | 2.06% | -10.51% | 2.62% | 4.75% | 9.5% | 42.93% | 56.44% | 51.44% | 87.28% |
| Non-Interest Expense | 17.96M | 11.87M | 21.94M | 14.97M | 14.78M | 2.93M | 15.11M | 14.65M | 16.05M | 15.74M | 15.45M | 15.18M |
| Efficiency Ratio | 103.01% | 56.94% | 126.58% | 48.7% | 52.03% | 9.26% | 47.57% | 48.64% | 50.59% | 51.07% | 50.95% | 55.19% |
| Operating Income | -8.52M | -2.82M | -25.9M | -1.65M | -463K | 13.05M | 1.53M | 1.23M | 1.18M | 2.37M | 2.64M | 1.88M |
| Operating Margin % | -48.83% | -13.54% | -149.39% | -5.36% | -1.63% | 41.26% | 4.83% | 4.07% | 3.72% | 7.67% | 8.72% | 6.83% |
| Operating Income Growth % | -1739.09% | -121.63% | -1787.04% | -234.61% | -139.27% | 451.71% | -41.94% | -34.77% | 2.79% | -15.08% | -34.97% | 479.63% |
| Pretax Income | -7.63M | -2.82M | -25.9M | -1.65M | -463K | 13.05M | 1.53M | 1.23M | 1.18M | 2.37M | 2.64M | 1.88M |
| Pretax Margin % | -43.76% | -13.54% | -149.39% | -5.36% | -1.63% | 41.26% | 4.83% | 4.07% | 3.72% | 7.67% | 8.72% | 6.83% |
| Income Tax | -1.95M | -359K | -6.99M | -412K | -128K | 3.27M | 398K | 349K | 296K | 704K | 674K | 461K |
| Effective Tax Rate % | 25.57% | 12.72% | 27.01% | 24.98% | 27.65% | 25.08% | 25.93% | 28.49% | 25.11% | 29.77% | 25.49% | 24.55% |
| Net Income | -5.68M | -2.46M | -18.9M | -1.24M | -335K | 9.78M | 1.14M | 866K | 824K | 1.66M | 1.92M | 1.39M |
| Net Margin % | -32.57% | -11.82% | -109.04% | -4.02% | -1.18% | 30.91% | 3.58% | 2.87% | 2.6% | 5.37% | 6.34% | 5.03% |
| Net Income Growth % | -1595.52% | -125.19% | -1762.44% | -242.84% | -140.66% | 490.69% | -40.87% | -37.47% | 11.5% | 25.19% | 237.16% | 591.13% |
| Net Income (Continuing) | -5.68M | -2.46M | -18.9M | -1.24M | -335K | 9.78M | 1.14M | 876K | 883K | 1.66M | 1.97M | 1.42M |
| EPS (Diluted) | -1.48 | -0.69 | -4.66 | -0.39 | -0.17 | 2.11 | 0.18 | 0.12 | 0.11 | 0.32 | 0.41 | 0.29 |
| EPS Growth % | -770.59% | -132.7% | -2688.89% | -425% | -254.55% | 559.38% | -56.1% | -58.62% | -15.38% | 18.52% | 202.5% | 341.67% |
| EPS (Basic) | -1.48 | -0.69 | -4.67 | -0.39 | -0.17 | 2.27 | 0.18 | 0.12 | 0.11 | 0.32 | 0.42 | 0.29 |
| Diluted Shares Outstanding | 4.1M | 4.14M | 4.14M | 4.14M | 4.14M | 4.45M | 4.18M | 3.99M | 3.99M | 4.11M | 4.18M | 4.06M |