BayFirst Financial annual free cash flow
2020
2021
2022
2023
2024
2025
BayFirst Financial Free Cash Flow (FCF) History (BAFN)
BayFirst Financial reported $288.5M in free cash flow for fiscal 2025, a decrease of 26.34% from the previous fiscal year, with a free cash flow margin of 457.61%.
View full BayFirst Financial company overviewBayFirst Financial free cash flow by year
| Fiscal year | Period ended | Free cash flow | Change | Growth | FCF margin |
|---|---|---|---|---|---|
| 2025 | 2025-12-31 | $288.5M | −$103.2M | −26.34% | +457.61% |
| 2024 | 2024-12-31 | $391.7M | −$55.5M | −12.41% | +408.21% |
| 2023 | 2023-12-31 | $447.2M | $15.0M | +3.48% | +518.90% |
| 2022 | 2022-12-31 | $432.2M | −$50.1M | −10.39% | +702.17% |
| 2021 | 2021-12-31 | $482.3M | $593.1M | — | +824.41% |
| 2020 | 2020-12-31 | −$110.9M | — | — | −84.54% |
BayFirst Financial quarterly free cash flow
Q1.21
Q2.21
Q3.21
Q4.21
Q1.22
Q2.22
Q3.22
Q4.22
Q1.23
Q2.23
Q3.23
Q4.23
Q1.24
Q2.24
Q3.24
Q4.24
Q1.25
Q2.25
Q3.25
Q4.25
Q1.26
Q2.26
| Fiscal quarter | Period ended | Free cash flow | Change | YoY growth | FCF margin |
|---|---|---|---|---|---|
| Q2 2026 | 2026-06-30 | $263,000 | −$64.6M | −99.59% | +10.07% |
| Q1 2026 | 2026-03-31 | −$3.2M | −$77.3M | — | −31.12% |
| Q4 2025 | 2025-12-31 | $104.0M | $3.7M | +3.73% | +940.58% |
| Q3 2025 | 2025-09-30 | $45.5M | −$45.0M | −49.72% | +444.48% |
| Q2 2025 | 2025-06-30 | $64.9M | −$13.5M | −17.17% | +286.47% |
| Q1 2025 | 2025-03-31 | $74.1M | −$48.4M | −39.53% | +387.95% |
| Q4 2024 | 2024-12-31 | $100.3M | −$25.6M | −20.31% | +330.05% |
| Q3 2024 | 2024-09-30 | $90.5M | −$44.1M | −32.79% | +416.50% |
| Q2 2024 | 2024-06-30 | $78.4M | −$46.0M | −37.01% | +376.11% |
| Q1 2024 | 2024-03-31 | $122.5M | $60.2M | +96.57% | +532.51% |
| Q4 2023 | 2023-12-31 | $125.9M | −$27.8M | −18.10% | +534.07% |
| Q3 2023 | 2023-09-30 | $134.6M | $6.9M | +5.43% | +583.41% |
| Q2 2023 | 2023-06-30 | $124.4M | $77.5M | +165.05% | +591.15% |
| Q1 2023 | 2023-03-31 | $62.3M | −$41.6M | −40.00% | +336.92% |
| Q4 2022 | 2022-12-31 | $153.7M | −$207.6M | −57.46% | +905.20% |
| Q3 2022 | 2022-09-30 | $127.7M | $97.3M | +319.73% | +672.86% |
| Q2 2022 | 2022-06-30 | $46.9M | −$42.0M | −47.24% | +329.07% |
| Q1 2022 | 2022-03-31 | $103.9M | $102.3M | +6479.80% | +916.67% |
| Q4 2021 | 2021-12-31 | $361.3M | — | — | — |
| Q3 2021 | 2021-09-30 | $30.4M | — | — | +385.71% |
| Q2 2021 | 2021-06-30 | $89.0M | — | — | +174.04% |
| Q1 2021 | 2021-03-31 | $1.6M | — | — | +3.45% |
BayFirst Financial free cash flow growth trends
Over the last five reported fiscal years, free cash flow grew from −$110.9M to $288.5M, a net increase of $399.4M. BayFirst Financial's latest reported quarter, Q2 2026, generated $263,000 in free cash flow, a decrease of 99.59% year over year.
About the metric
What free cash flow means
Free cash flow is the cash a company generates from operations after capital expenditures. Positive FCF can fund dividends, buybacks, debt repayment, or reinvestment; negative FCF means capital spending exceeded operating cash flow for that period.
Calculation and source
How free cash flow is calculated
TickerStat calculates free cash flow as SEC-reported operating cash flow minus capital expenditures. FCF margin equals free cash flow divided by revenue. Fiscal periods can differ from calendar years, so the tables include exact period-end dates.
Review BayFirst Financial filings at SEC.gov ↗