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BayFirst Financial Corp. (BAFN)
BayFirst Financial Corp. (BAFN)
Income Statement
|
Cash Flow
|
Balance Sheet
|
Ratios
Cash Flow Overview
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
Impairment of equipment and soft...
Amortization of loan servicing r...
Net amortization of deferred loa...
Others
Negative Cash Flow Breakdown
Net change in deposits
Accretion of discount on unguara...
Other liabilities
Others
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Page 1
Quarterly
123
Page 1
Cash Flow
2026-03-31
2025-12-31
2025-09-30
2025-06-30
Net income (loss) from continuing operations
-
-4,091
-18,902
-1,572
Net income (loss)
-5,930
-
-
-
Depreciation of fixed assets
518
531
549
1,108
Net securities premium amortization
-2
-6
-2
-32
Amortization of debt issuance costs
2
1
2
3
Amortization of premium on loans purchased, net
161
224
480
383
Provision for credit losses
3,404
3,067
10,915
11,664
Accretion of discount on unguaranteed loans
804
797
1,036
1,883
Deferred tax benefit
-2,004
-7,571
0
-189
Origination of government guaranteed loans held for sale
-
0
-
-
Proceeds from sales of government guaranteed loans held for sale
665
101,417
50,424
146,321
Net (gains) losses on sales of government guaranteed loans
-97
-5,357
3,063
13,463
Sale of servicing rights
-
1,691
-
-
Gain on other real estate owned
-
0
0
423
Fair value adjustment on loans held for sale
-
-
5,096
-
Net amortization of deferred loan costs
-815
-3,540
0
0
Change in fair value of government guaranteed loans hfi, at fair value
-533
-1,880
-882
1,687
Amortization of loan servicing rights
1,246
1,568
1,685
3,675
Loss on sale and writedowns of repossessed assets
-
-118
-
-
Gain on sale of premises and equipment
13
0
-
-
Non-qualified stock purchase plan expense
0
4
4
9
Stock based compensation expense
54
-44
87
56
Income from bank owned life insurance
193
193
190
368
Impairment of equipment and software
1,249
0
1,422
-
Capitalization of subordinated debt interest
-135
-
-
-
Accrued interest receivable
-747
-1,056
-597
340
Other assets
2,428
-6,322
5,037
3,170
Accrued interest payable
-175
51
-66
112
Other liabilities
-472
-4,961
3,456
-2,820
Net cash provided by operating activities of continuing operations
-2,391
104,071
47,307
137,457
Net cash used in operating activities of discontinued operations
-
0
0
0
Purchase of government guaranteed loans
-
0
0
0
Net cash provided by operating activities
-
104,071
47,307
137,457
Purchase of investment securities available for sale
0
0
0
5,718
Proceeds on sales of repossessed assets
-
0
32
27
Purchase related to other real estate owned
-
0
0
0
Principal payments on investment securities available for sale
704
634
794
1,446
Proceeds on sales of other real estate owned
-
0
0
155
Principal payments on investment securities held to maturity
-
0
0
0
Call of investment securities held to maturity
0
0
0
11,109
Net purchase of nonmarketable equity securities
6
-2,372
477
2,025
Purchase of time deposits in banks
0
0
4
10
Maturity of time deposits in banks
0
1,284
0
1,000
Proceeds for the sale of premises and equipment
-
0
-
-
Loan originations/(payments), net
-27,289
-17,764
24,340
202,226
Purchase of premises and equipment
7
24
10
266
Loss on repossessed assets
-50
-
0
-9
Net cash provided by (used in) investing activities
28,039
22,030
-24,005
-196,508
Net change in deposits
-98,069
12,481
7,661
20,567
Net increase in short-term borrowings
-
-
10,000
40,000
Net decrease in short-term borrowings
0
0
-
-
Payments on notes payable
114
0
114
227
Proceeds from issuance of common stock for benefit plans, net
18
25
34
-9
Common share buyback - redeemed stock
0
0
0
335
Unearned esop shares
-
175
-368
0
Dividends paid on common stock
0
0
0
663
Dividends paid on preferred stock
0
0
0
771
Net cash provided by (used in) financing activities
-98,165
-37,669
17,949
58,562
Net change in cash and cash equivalents
-72,517
88,432
41,251
-489
Cash and cash equivalents, beginning of period
206,982
118,550
77,788
-
Cash and cash equivalents, end of period
134,465
206,982
118,550
-
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
Show the time plot by selecting a row from the table.
Cash Flow
Loan
originations/(payments), net
-$27,289K
Principal payments on
investment securities...
$704K
Loss on repossessed
assets
-$50K
Net cash provided by
(used in) investing...
$28,039K
Canceled cashflow
$13K
Net change in cash
and cash...
-$72,517K
Canceled cashflow
$28,039K
Proceeds from issuance of
common stock for...
$18K
Provision for credit
losses
$3,404K
Impairment of equipment and
software
$1,249K
Amortization of loan
servicing rights
$1,246K
Net amortization of
deferred loan costs
-$815K
Accrued interest
receivable
-$747K
Proceeds from sales of
government guaranteed...
$665K
Change in fair value of
government guaranteed...
-$533K
Depreciation of fixed assets
$518K
Amortization of premium on
loans purchased, net
$161K
Capitalization of subordinated
debt interest
-$135K
Net (gains) losses
on sales of...
-$97K
Stock based
compensation expense
$54K
Amortization of debt issuance
costs
$2K
Net securities
premium amortization
-$2K
Purchase of premises and
equipment
$7K
Net purchase of
nonmarketable equity...
$6K
Net cash provided by
(used in) financing...
-$98,165K
Canceled cashflow
$18K
Net cash provided by
operating activities of...
-$2,391K
Canceled cashflow
$9,628K
Net change in
deposits
-$98,069K
Payments on notes payable
$114K
Net income (loss)
-$5,930K
Other assets
$2,428K
Deferred tax benefit
-$2,004K
Accretion of discount on
unguaranteed loans
$804K
Other liabilities
-$472K
Income from bank owned
life insurance
$193K
Accrued interest
payable
-$175K
Gain on sale of
premises and equipment
$13K
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