Bayfirst Financial Corp (BAFN) — Cash Flow-to-Debt Ratio
Bayfirst Financial Corp (BAFN) has a Cash Flow-to-Debt Ratio of 0.04x as of September 2025, meaning its operating cash flow of $47.31 Million could theoretically repay 0% of its total liabilities ($1.26 Billion) in one year. See Bayfirst Financial Corp leverage flexibility ratio to measure the company's free cash flow as a share of total liabilities.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Bayfirst Financial Corp Cash Flow-to-Debt Ratio (1991–2024)
Historical debt coverage capacity for Bayfirst Financial Corp across 16 annual periods. For the full cash flow conversion analysis, see Bayfirst Financial Corp (BAFN) cash flow conversion.
Annual Cash Flow-to-Debt Ratio for Bayfirst Financial Corp (1991–2024)
Year-by-year debt coverage analysis for Bayfirst Financial Corp. Check how high is Bayfirst Financial Corp's earnings quality to evaluate the quality of earnings relative to operating cash generation.
| Year | CF-to-Debt Ratio | Operating CF (USD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2024 | 0.33x | $390.53 Million | $1.18 Billion | ▼ -25.8% |
| 2023 | 0.45x | $454.80 Million | $1.02 Billion | ▼ -14.0% |
| 2022 | 0.52x | $440.25 Million | $847.01 Million | ▲ +321.5% |
| 2021 | 0.12x | $101.21 Million | $820.80 Million | ▲ +268.6% |
| 2020 | -0.07x | $-107.80 Million | $1.47 Billion | ▲ +8.9% |
| 2019 | -0.08x | $-38.53 Million | $479.91 Million | ▼ -457.7% |
| 2018 | 0.02x | $7.34 Million | $327.19 Million | ▲ +187.0% |
| 2014 | -0.03x | $-1.95 Million | $75.52 Million | ▼ -815.6% |
| 2013 | 0.00x | $257.68K | $71.48 Million | ▼ -69.4% |
| 1997 | 0.01x | $5.90 Million | $500.40 Million | ▲ +44.5% |
| 1996 | 0.01x | $3.80 Million | $465.80 Million | ▼ -41.5% |
| 1995 | 0.01x | $5.90 Million | $422.90 Million | ▼ -68.7% |
| 1994 | 0.04x | $16.30 Million | $365.50 Million | ▲ +243.6% |
| 1993 | -0.03x | $-10.20 Million | $328.50 Million | ▼ -154.4% |
| 1992 | 0.06x | $3.30 Million | $57.80 Million | ▲ +164.5% |
| 1991 | 0.02x | $900.00K | $41.70 Million | — |