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BayFirst Financial Corp. (BAFN)
BayFirst Financial Corp. (BAFN)
Income Statement
|
Cash Flow
|
Balance Sheet
|
Ratios
Income Overview
Net Income
-$6,315K
EPS
-$1.54
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2026-03-31
2025-12-31
2025-09-30
2025-06-30
Loans, including fees
15,921
17,417*
20,708
21,459
Interest-bearing deposits in banks and other
1,509
1,562*
946
1,046
Total interest income
17,430
18,979*
21,654
22,505
Deposits
7,893
9,454*
9,576
9,282
Borrowings
97
-240*
798
875
Total interest expense
7,990
9,213*
10,374
10,157
Net interest income
9,440
9,766*
11,280
12,348
Provision for credit gaines
3,404
-1,622*
10,915
7,264
Net interest income after provision for credit losses
6,036
11,388*
365
5,084
Loan servicing income, net
770
902*
761
484
Loss (gain) on sale of government guaranteed loans, net
-97
-2,629*
3,063
6,136
Service charges and fees
490
447*
474
473
Government guaranteed loans fair value loss, net
-533
4,230*
-882
2,442
Fair value adjustment on loans held for sale
-
-
-5,096
-
Government guaranteed loan packaging fees
0
333*
380
577
Gain on sale of premises and equipment
13
0*
-
-
Othernoninterestincome
241
-58*
254
683
Totalnoninterestincome
884
3,222*
-1,046
10,795
Salaries and benefits
5,069
4,804*
7,637
8,113
Bonus, commissions, and incentives
290
-333*
530
262
Occupancy and equipment
1,368
1,412*
1,525
1,579
Data processing
1,489
1,669*
2,049
2,078
Marketing and business development
123
436*
262
403
Professional services
1,164
995*
859
782
Loan servicing and origination expense
3,836
-745*
3,273
2,558
Employee recruiting and development
202
414*
364
462
Regulatory assessments
578
615*
484
352
Restructure charges
-
-3,609*
7,262
-
Othernoninterestexpense
767
656*
970
939
Totalnoninterestexpense
14,886
6,311*
25,215
17,528
Gain before income taxes
-7,966
8,299*
-25,896
-1,649
Income tax benefit
-2,036
2,655*
-6,994
-412
Net gain
-5,930
5,644*
-18,902
-1,237
Loss from discontinued operations before income taxes
-
0*
0
0
Income tax benefit from discontinued operations
-
0*
0
0
Net loss from discontinued operations
-
0*
0
0
Net income (gain)
-
5,644*
-18,902
-1,237
Preferred stock dividends
385
385*
385
386
Net gain attributable to common shareholders
-6,315
5,259
-19,287
-1,623
Basic EPS
-1.54
1.276
-4.66
-0.39
Diluted EPS
-1.54
1.276
-4.66
-0.39
Basic Average Shares
4,108,071
4,122,189
4,135,106
4,131,670
Diluted Average Shares
4,108,071
4,122,189
4,135,106
4,131,670
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
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Income Statement
Scenario Previously
Reported
$15,930K
Loans, including fees
$15,921K
Interest-bearing deposits in
banks and other
$1,509K
Revision Of Prior Period
Error Correction...
-$9K
Net gain
attributable to common...
-$6,315K
Total interest income
$17,430K
Net gain
-$5,930K
Preferred stock dividends
$385K
Income tax benefit
-$2,036K
Net interest income
$9,440K
Loan servicing
income, net
$770K
Service charges and fees
$490K
Total interest
expense
$7,990K
Othernoninterestincome
$241K
Gain on sale of
premises and equipment
$13K
Gain before income
taxes
-$7,966K
Net interest income
after provision for...
$6,036K
Totalnoninterestincome
$884K
Provision for credit
gaines
$3,404K
Government guaranteed
loans fair value loss,...
-$533K
Deposits
$7,893K
Borrowings
$97K
Loss (gain) on sale of
government guaranteed...
-$97K
Totalnoninterestexpense
$14,886K
Salaries and benefits
$5,069K
Loan servicing and
origination expense
$3,836K
Data processing
$1,489K
Occupancy and equipment
$1,368K
Professional services
$1,164K
Othernoninterestexpense
$767K
Regulatory assessments
$578K
Bonus, commissions,
and incentives
$290K
Employee recruiting and
development
$202K
Marketing and business
development
$123K
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