Bayfirst Financial Corp (BAFN) — Financial Flexibility Index
Bayfirst Financial Corp (BAFN) has a Financial Flexibility Index of 0.04x as of September 2025. Free cash flow of $47.32 Million (operating CF $47.31 Million minus capex $10.00K) represents 0% of total liabilities ($1.26 Billion). Check BAFN capex plus investments ratio to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Bayfirst Financial Corp Financial Flexibility Index (1991–2024)
Historical Financial Flexibility Index trend for Bayfirst Financial Corp across 16 annual periods. For the full cash flow conversion analysis, see Bayfirst Financial Corp (BAFN) cash conversion ratio.
Annual Financial Flexibility Index for Bayfirst Financial Corp (1991–2024)
Year-by-year free cash flow to debt coverage for Bayfirst Financial Corp. Explore BAFN debt coverage from operations to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2024 | 0.33x | $392.22 Million | $390.53 Million | $1.18 Billion | ▼ -26.7% |
| 2023 | 0.45x | $462.38 Million | $454.80 Million | $1.02 Billion | ▼ -14.1% |
| 2022 | 0.53x | $448.31 Million | $440.25 Million | $847.01 Million | ▲ +279.4% |
| 2021 | 0.14x | $114.51 Million | $101.21 Million | $820.80 Million | ▲ +296.3% |
| 2020 | -0.07x | $-104.75 Million | $-107.80 Million | $1.47 Billion | ▼ -9.3% |
| 2019 | -0.07x | $-31.22 Million | $-38.53 Million | $479.91 Million | ▼ -275.4% |
| 2018 | 0.04x | $12.13 Million | $7.34 Million | $327.19 Million | ▲ +2034.1% |
| 2014 | 0.00x | $-144.76K | $-1.95 Million | $75.52 Million | ▼ -149.0% |
| 2013 | 0.00x | $279.66K | $257.68K | $71.48 Million | ▼ -67.9% |
| 1997 | 0.01x | $6.10 Million | $5.90 Million | $500.40 Million | ▲ +23.4% |
| 1996 | 0.01x | $4.60 Million | $3.80 Million | $465.80 Million | ▼ -32.6% |
| 1995 | 0.01x | $6.20 Million | $5.90 Million | $422.90 Million | ▼ -67.5% |
| 1994 | 0.05x | $16.50 Million | $16.30 Million | $365.50 Million | ▲ +248.3% |
| 1993 | -0.03x | $-10.00 Million | $-10.20 Million | $328.50 Million | ▼ -145.1% |
| 1992 | 0.07x | $3.90 Million | $3.30 Million | $57.80 Million | ▲ +155.8% |
| 1991 | 0.03x | $1.10 Million | $900.00K | $41.70 Million | — |