About BayFirst Financial Corp.
https://www.firsthomebank.comBayFirst Financial Corp. operates as the bank holding company for First Home Bank that provides commercial and consumer banking services for businesses and individuals. The company offers checking and savings accounts, and certificates of deposit.
CEO
Thomas G. Zernick
Compensation Summary
(Year 2024)
Split Record
| Date | Type | Ratio |
|---|---|---|
| 2021-05-12 | Forward | 3:2 |
ETFs Holding This Stock
Summary
Showing Top 2 of 12
Ratings Snapshot
Rating : C+
Price Target
Institutional Ownership
BANC FUNDS CO LLC
Shares:169.77K
Value:$1.02M
FIRST MANHATTAN CO. LLC.
Shares:127.93K
Value:$771.39K
VANGUARD GROUP INC
Shares:106.99K
Value:$645.16K
Summary
Showing Top 3 of 16
About BayFirst Financial Corp.
https://www.firsthomebank.comBayFirst Financial Corp. operates as the bank holding company for First Home Bank that provides commercial and consumer banking services for businesses and individuals. The company offers checking and savings accounts, and certificates of deposit.
Income Statement
| Period | Revenue | Operating Expense | Net Income | Net Profit Margin | Earnings Per Share | EBITDA |
|---|---|---|---|---|---|---|
| Q3-2025 | $0 ▼ | $0 ▼ | $0 ▲ | 0% ▲ | $-4.67 ▼ | $0 ▼ |
| Q2-2025 | $30.74M ▲ | $14.97M ▲ | $-1.24M ▼ | -4.02% ▼ | $-0.39 ▼ | $855K ▼ |
| Q1-2025 | $28.4M ▼ | $14.78M ▲ | $-335K ▼ | -1.18% ▼ | $-0.17 ▼ | $1.82M ▼ |
| Q4-2024 | $31.62M ▼ | $2.93M ▼ | $9.78M ▲ | 30.91% ▲ | $2.27 ▲ | $15.53M ▲ |
| Q3-2024 | $31.76M | $15.11M | $1.14M | 3.58% | $0.18 | $3.71M |
What's going well?
There are no clear positives this quarter. The only neutral point is that the share count is stable, so dilution isn't making things worse.
What's concerning?
Revenue dropped to zero, gross profit vanished, and the loss per share widened dramatically. The company appears to have stopped operating or is facing a severe crisis.
Balance Statement
| Period | Cash & Short-term | Total Assets | Total Liabilities | Total Equity |
|---|---|---|---|---|
| Q3-2025 | $0 ▼ | $1.35B ▲ | $1.26B ▲ | $89.73M ▼ |
| Q2-2025 | $82.45M ▲ | $1.34B ▲ | $1.24B ▲ | $108.22M ▼ |
| Q1-2025 | $71.56M ▼ | $1.29B ▲ | $1.18B ▲ | $110.08M ▼ |
| Q4-2024 | $88.94M ▼ | $1.29B ▲ | $1.18B ▲ | $110.92M ▲ |
| Q3-2024 | $104.63M | $1.25B | $1.14B | $102.29M |
Cash Flow Statement
| Period | Net Income | Cash From Operations | Cash From Investing | Cash From Financing | Net Change | Free Cash Flow |
|---|---|---|---|---|---|---|
| Q3-2025 | $1.57M ▲ | $-137.46M ▼ | $-24M ▲ | $17.95M ▼ | $41.25M ▲ | $-137.19M ▼ |
| Q2-2025 | $-1.24M ▼ | $63.29M ▼ | $-103.84M ▼ | $54.7M ▲ | $14.14M ▲ | $63.1M ▼ |
| Q1-2025 | $-335K ▼ | $74.16M ▼ | $-92.67M ▲ | $3.87M ▼ | $-14.63M ▼ | $74.09M ▼ |
| Q4-2024 | $9.78M ▲ | $97.46M ▲ | $-104.35M ▲ | $20.3M ▼ | $13.4M ▲ | $97.48M ▲ |
| Q3-2024 | $1.14M | $90.78M | $-111.14M | $23.97M | $3.61M | $90.47M |
CEO
Thomas G. Zernick
Compensation Summary
(Year 2024)
Split Record
| Date | Type | Ratio |
|---|---|---|
| 2021-05-12 | Forward | 3:2 |
ETFs Holding This Stock
Summary
Showing Top 2 of 12
Ratings Snapshot
Rating : C+
Price Target
Institutional Ownership
BANC FUNDS CO LLC
Shares:169.77K
Value:$1.02M
FIRST MANHATTAN CO. LLC.
Shares:127.93K
Value:$771.39K
VANGUARD GROUP INC
Shares:106.99K
Value:$645.16K
Summary
Showing Top 3 of 16