StocktoriaBayFirst Financial Corp. BAFN
Nasdaq · XNAS · stock · State Commercial Banks
Chart by TradingView
3/9
Piotroski F — financial health
—
Altman Z″ — distress risk
-2.9%
Dividend payout · safe
Financials & ratios (annual, from 10-K)
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Financials | |||||
| Net income | -$22.9M | $12.6M | $5.7M | -$349,000 | $24.6M |
| Operating cash flow | $285.3M | $390.5M | $454.8M | $440.3M | $495.4M |
| Free cash flow | $285.0M | $388.8M | $447.2M | $432.2M | $482.3M |
| Total assets | $1.3B | $1.3B | $1.1B | $938.9M | $917.1M |
| Total liabilities | $1.2B | $1.2B | $1.0B | $847.0M | $820.8M |
| Shareholders' equity | $87.6M | $110.9M | $100.7M | $91.9M | $96.3M |
| Ratios | |||||
| Return on assets | -1.8% | 1.0% | 0.5% | -0.0% | 2.7% |
| Return on equity | -26.2% | 11.4% | 5.7% | -0.4% | 25.6% |
Why these scores methodology →
Piotroski F-score: 3/9
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″: n/a
Not applicable (financials/insurer or missing inputs).
Sector peers
IX · MUFG · MFG · NMR · UNH · CI · all Finance, Insurance & Real Estate →
Source: SEC EDGAR filings · CIK 0001649739 · as of 2025-12-31. Figures are facts from filings plus Stocktoria's own computed scores — not investment advice.