Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|
| Net income | $12.7M | $24.6M | -$349K | $5.70M | $12.6M | -$22.9M |
| EPS (diluted) | $3.01 | $5.91 | -$0.22 | $1.12 | $2.62 | -$5.93 |
| Fiscal year | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|
| Operating cash flow | -$108M | $495M | $440M | $455M | $391M | $285M |
| Capital expenditures | $3.05M | $13.1M | $8.06M | $7.58M | $1.69M | $300K |
| Free cash flow | -$111M | $482M | $432M | $447M | $389M | $285M |
| Share buybacks | — | $0.00 | $49.0K | $13.0K | $0.00 | $335K |
| Dividends paid | $915K | $1.06M | $1.29M | $1.31M | $1.32M | $663K |
| Fiscal year | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|
| Cash & equivalents | $55.4M | $110M | $66.0M | $58.4M | $77.8M | $207M |
| Total assets | $1.54B | $917M | $939M | $1.12B | $1.29B | $1.30B |
| Total liabilities | $1.47B | $821M | $847M | $1.02B | $1.18B | $1.21B |
| Shareholders' equity | $71.1M | $96.3M | $91.9M | $101M | $111M | $87.6M |
| Retained earnings | $13.4M | $35.9M | $33.5M | $34.4M | $44.1M | $19.8M |
| Shares (wtd avg diluted) | 4.00M | 4.07M | 4.22M | 4.58M | 4.59M | 4.13M |
Every figure is extracted from BayFirst Financial Corp.’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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