Bayfirst Operating Income vs Net Income Analysis

BAFN Stock

USD 15.24 0.19 1.26%

Bayfirst Financial financial indicator trend analysis is way more than just evaluating Bayfirst Financial Corp prevailing accounting drivers to predict future trends. We encourage investors to analyze account correlations over time for multiple indicators to determine whether Bayfirst Financial Corp is a good investment. Please check the relationship between Bayfirst Financial Operating Income and its Net Income accounts. Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Bayfirst Financial Corp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in census.

Operating Income vs Net Income

Operating Income vs Net Income Correlation Analysis

The overlapping area represents the amount of trend that can be explained by analyzing historical patterns of Bayfirst Financial Corp Operating Income account and Net Income. At this time, the significance of the direction appears to have almost identical trend.

The correlation between Bayfirst Financial's Operating Income and Net Income is 0.91. Overlapping area represents the amount of variation of Operating Income that can explain the historical movement of Net Income in the same time period over historical financial statements of Bayfirst Financial Corp, assuming nothing else is changed. The correlation between historical values of Bayfirst Financial's Operating Income and Net Income is a relative statistical measure of the degree to which these accounts tend to move together. The correlation coefficient measures the extent to which Operating Income of Bayfirst Financial Corp are associated (or correlated) with its Net Income. Values of the correlation coefficient range from -1 to +1, where. The correlation of zero (0) is possible when Net Income has no effect on the direction of Operating Income i.e., Bayfirst Financial's Operating Income and Net Income go up and down completely randomly.

Correlation Coefficient

0.91

Relationship Direction	Positive
Relationship Strength	Very Strong

View All Relationships

Operating Income

Operating Income is the amount of profit realized from Bayfirst Financial Corp operations after accounting for operating expenses such as cost of goods sold (COGS), wages and depreciation. Operating income takes the gross income and subtracts other operating expenses and then removes depreciation. Operating Income of Bayfirst Financial Corp is typically a synonym for earnings before interest and taxes (EBIT) and is also commonly referred to as operating profit or recurring profit. Earnings before interest and taxes (EBIT), representing the amount of profit a company generates from its operations.

Net Income

Net income is one of the most important fundamental items in finance. It plays a large role in Bayfirst Financial Corp financial statement analysis. It represents the amount of money remaining after all of Bayfirst Financial Corp operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue.

Most indicators from Bayfirst Financial's fundamental ratios are interrelated and interconnected. However, analyzing fundamental ratios indicators one by one will only give a small insight into Bayfirst Financial Corp current financial condition. On the other hand, looking into the entire matrix of fundamental ratios indicators, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Bayfirst Financial Corp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in census.

As of the 1st of May 2025, Selling General Administrative is likely to drop to about 25.8 M. In addition to that, Tax Provision is likely to drop to about 3.2 M

	2022	2023	2024	2025 (projected)
Operating Income	4.8M	19.5M	28.6M	30.0M
Other Operating Expenses	2.7M	56.2M	55.2M	58.0M

Operating Income Other Operating Expenses

Bayfirst Financial fundamental ratios Correlations

	Total Assets	Short Long Term Debt Total	Total Stockholder Equity	Net Debt	Retained Earnings	Common Stock Shares Outstanding	Non Current Liabilities Total	Other Stockholder Equity	Total Liab	Other Current Liab	Total Current Liabilities	Property Plant And Equipment Net	Accounts Payable	Cash	Non Current Assets Total	Non Currrent Assets Other	Other Assets	Cash And Short Term Investments	Net Receivables	Short Term Investments	Total Current Assets	Short Term Debt	Common Stock	Other Current Assets	Net Tangible Assets	Current Deferred Revenue
Total Assets		0.27	0.93	-0.69	0.86	-0.39	0.63	-0.67	1.0	0.02	-0.32	0.88	0.86	0.37	0.57	0.63	0.53	0.33	0.94	0.13	0.24	0.16	0.75	0.69	0.8	-0.16
Short Long Term Debt Total	0.27		0.37	-0.14	0.33	-0.54	0.24	-0.34	0.26	-0.03	0.12	0.35	0.25	0.52	-0.08	-0.16	0.42	0.61	0.17	0.46	0.71	0.11	0.58	0.4	0.29	0.01
Total Stockholder Equity	0.93	0.37		-0.73	0.96	-0.45	0.75	-0.66	0.92	0.13	-0.25	0.98	0.64	0.4	0.66	0.7	0.34	0.39	0.9	0.25	0.32	0.28	0.83	0.78	0.91	-0.3
Net Debt	-0.69	-0.14	-0.73		-0.66	0.09	-0.28	0.63	-0.68	0.05	0.7	-0.69	-0.4	-0.73	-0.26	-0.43	-0.3	-0.65	-0.54	-0.14	-0.48	-0.29	-0.48	-0.93	-0.67	0.49
Retained Earnings	0.86	0.33	0.96	-0.66		-0.35	0.8	-0.64	0.84	0.08	-0.17	0.97	0.57	0.3	0.7	0.74	0.21	0.34	0.88	0.39	0.25	0.41	0.75	0.71	0.95	-0.32
Common Stock Shares Outstanding	-0.39	-0.54	-0.45	0.09	-0.35		-0.33	0.15	-0.39	-0.64	-0.45	-0.44	-0.3	-0.15	-0.31	-0.11	-0.39	-0.11	-0.41	0.05	-0.37	0.07	-0.84	-0.37	-0.24	0.11
Non Current Liabilities Total	0.63	0.24	0.75	-0.28	0.8	-0.33		-0.38	0.62	0.11	0.06	0.85	0.37	-0.15	0.89	0.87	-0.18	-0.14	0.81	0.07	-0.21	-0.04	0.62	0.33	0.73	0.19
Other Stockholder Equity	-0.67	-0.34	-0.66	0.63	-0.64	0.15	-0.38		-0.66	0.19	0.32	-0.62	-0.52	-0.48	-0.3	-0.39	-0.33	-0.48	-0.58	-0.29	-0.37	-0.3	-0.48	-0.65	-0.59	0.2
Total Liab	1.0	0.26	0.92	-0.68	0.84	-0.39	0.62	-0.66		0.03	-0.33	0.87	0.87	0.37	0.56	0.62	0.54	0.32	0.93	0.09	0.23	0.12	0.75	0.68	0.78	-0.15
Other Current Liab	0.02	-0.03	0.13	0.05	0.08	-0.64	0.11	0.19	0.03		0.28	0.16	-0.17	-0.08	0.21	0.03	0.04	-0.17	0.06	-0.35	0.09	-0.17	0.48	0.07	0.1	-0.39
Total Current Liabilities	-0.32	0.12	-0.25	0.7	-0.17	-0.45	0.06	0.32	-0.33	0.28		-0.22	-0.2	-0.6	0.14	-0.1	-0.21	-0.48	-0.1	0.09	-0.23	0.09	0.07	-0.46	-0.31	0.21
Property Plant And Equipment Net	0.88	0.35	0.98	-0.69	0.97	-0.44	0.85	-0.62	0.87	0.16	-0.22		0.58	0.31	0.74	0.77	0.2	0.3	0.91	0.21	0.22	0.21	0.82	0.74	0.92	-0.22
Accounts Payable	0.86	0.25	0.64	-0.4	0.57	-0.3	0.37	-0.52	0.87	-0.17	-0.2	0.58		0.25	0.32	0.36	0.68	0.22	0.78	0.07	0.15	0.05	0.56	0.38	0.53	0.07
Cash	0.37	0.52	0.4	-0.73	0.3	-0.15	-0.15	-0.48	0.37	-0.08	-0.6	0.31	0.25		-0.27	-0.16	0.51	0.95	0.1	0.25	0.89	0.3	0.38	0.77	0.37	-0.52
Non Current Assets Total	0.57	-0.08	0.66	-0.26	0.7	-0.31	0.89	-0.3	0.56	0.21	0.14	0.74	0.32	-0.27		0.96	-0.33	-0.34	0.79	-0.18	-0.39	-0.01	0.53	0.27	0.59	0.12
Non Currrent Assets Other	0.63	-0.16	0.7	-0.43	0.74	-0.11	0.87	-0.39	0.62	0.03	-0.1	0.77	0.36	-0.16	0.96		-0.31	-0.23	0.82	-0.13	-0.37	0.03	0.43	0.36	0.66	0.1
Other Assets	0.53	0.42	0.34	-0.3	0.21	-0.39	-0.18	-0.33	0.54	0.04	-0.21	0.2	0.68	0.51	-0.33	-0.31		0.53	0.27	0.24	0.59	0.08	0.42	0.37	0.2	-0.24
Cash And Short Term Investments	0.33	0.61	0.39	-0.65	0.34	-0.11	-0.14	-0.48	0.32	-0.17	-0.48	0.3	0.22	0.95	-0.34	-0.23	0.53		0.06	0.53	0.94	0.49	0.34	0.73	0.4	-0.57
Net Receivables	0.94	0.17	0.9	-0.54	0.88	-0.41	0.81	-0.58	0.93	0.06	-0.1	0.91	0.78	0.1	0.79	0.82	0.27	0.06		0.07	-0.01	0.12	0.74	0.56	0.78	-0.01
Short Term Investments	0.13	0.46	0.25	-0.14	0.39	0.05	0.07	-0.29	0.09	-0.35	0.09	0.21	0.07	0.25	-0.18	-0.13	0.24	0.53	0.07		0.48	0.75	0.09	0.27	0.37	-0.36
Total Current Assets	0.24	0.71	0.32	-0.48	0.25	-0.37	-0.21	-0.37	0.23	0.09	-0.23	0.22	0.15	0.89	-0.39	-0.37	0.59	0.94	-0.01	0.48		0.44	0.45	0.65	0.29	-0.6
Short Term Debt	0.16	0.11	0.28	-0.29	0.41	0.07	-0.04	-0.3	0.12	-0.17	0.09	0.21	0.05	0.3	-0.01	0.03	0.08	0.49	0.12	0.75	0.44		0.09	0.36	0.39	-0.69
Common Stock	0.75	0.58	0.83	-0.48	0.75	-0.84	0.62	-0.48	0.75	0.48	0.07	0.82	0.56	0.38	0.53	0.43	0.42	0.34	0.74	0.09	0.45	0.09		0.67	0.7	-0.25
Other Current Assets	0.69	0.4	0.78	-0.93	0.71	-0.37	0.33	-0.65	0.68	0.07	-0.46	0.74	0.38	0.77	0.27	0.36	0.37	0.73	0.56	0.27	0.65	0.36	0.67		0.67	-0.51
Net Tangible Assets	0.8	0.29	0.91	-0.67	0.95	-0.24	0.73	-0.59	0.78	0.1	-0.31	0.92	0.53	0.37	0.59	0.66	0.2	0.4	0.78	0.37	0.29	0.39	0.7	0.67		-0.4
Current Deferred Revenue	-0.16	0.01	-0.3	0.49	-0.32	0.11	0.19	0.2	-0.15	-0.39	0.21	-0.22	0.07	-0.52	0.12	0.1	-0.24	-0.57	-0.01	-0.36	-0.6	-0.69	-0.25	-0.51	-0.4

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Bayfirst Financial Account Relationship Matchups

Bayfirst Financial fundamental ratios Accounts

	2020	2021	2022	2023	2024	2025 (projected)
Total Assets	1.5B	917.1M	938.9M	1.1B	1.3B	1.4B
Short Long Term Debt Total	13.6M	14.0M	37.4M	21.0M	7.9M	7.5M
Total Stockholder Equity	71.1M	96.3M	91.9M	100.7M	110.9M	116.5M
Net Debt	(44.1M)	(98.1M)	(33.6M)	(42.1M)	(69.9M)	(66.4M)
Retained Earnings	13.4M	35.9M	33.5M	34.4M	44.1M	46.3M
Common Stock Shares Outstanding	4.0M	4.1M	4.0M	4.6M	4.6M	4.8M
Liabilities And Stockholders Equity	1.5B	917.1M	938.9M	1.1B	1.3B	1.4B
Non Current Liabilities Total	13.6M	14.0M	840.6M	1.0B	1.2B	1.2B
Other Stockholder Equity	(41.0K)	(17K)	(178K)	(752K)	(676.8K)	(643.0K)
Total Liab	1.5B	820.8M	847.0M	1.0B	1.2B	1.2B
Other Current Liab	(2.0M)	44.0M	(1.7M)	9.0M	11.4M	12.0M
Total Current Liabilities	2.0M	326K	6.4M	9.9M	11.4M	10.9M
Property Plant And Equipment Net	21.9M	34.2M	38.6M	41.3M	49.1M	51.5M
Accounts Payable	2.0M	326K	704K	882K	1.0M	585.8K
Cash	57.8M	112.1M	70.9M	63.0M	479K	455.1K
Non Current Assets Total	30.1M	71.7M	39.6M	1.1B	1.2B	1.3B
Non Currrent Assets Other	(12.2M)	(454K)	(58.3M)	851.1M	1.1B	1.2B
Other Assets	1.4B	698.8M	786.5M	(3.2M)	77.3M	73.4M
Cash And Short Term Investments	57.8M	143.0M	113.3M	58.4M	479K	455.1K
Net Receivables	7.3M	3.6M	4.5M	7.1M	9.2M	9.6M
Total Current Assets	65.1M	146.6M	112.8M	58.4M	479K	455.1K
Short Term Debt	1.2M	44.6M	6.4M	10.5M	9.4M	8.9M
Accumulated Other Comprehensive Income	(41.0K)	(420K)	(3.7M)	(3.9M)	(3.0M)	(2.8M)
Common Stock	43.0M	51.5M	53.0M	54.5M	54.8M	40.9M
Other Current Assets	65.1M	115.6M	75.4M	70.2M	80.7M	87.2M
Current Deferred Revenue	753.4K	(44.3M)	980K	(882K)	(793.8K)	(833.5K)
Long Term Debt	9.7M	9.3M	33.8M	18.3M	7.9M	13.4M
Capital Lease Obligations	3.9M	4.7M	3.5M	2.6M	14.5M	15.2M
Net Invested Capital	80.8M	105.6M	116.4M	103.3M	103.1M	106.7M
Long Term Investments	41.3K	30.9M	47.4M	42.1M	38.8M	29.2M
Property Plant And Equipment Gross	26.6M	34.2M	38.6M	48.7M	57.7M	41.9M
Capital Stock	57.7M	60.8M	62.3M	70.3M	70.5M	67.9M
Intangible Assets	8.2M	6.6M	10.9M	15.0M	16.5M	12.6M

When determining whether Bayfirst Financial Corp offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Bayfirst Financial's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Bayfirst Financial Corp Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Bayfirst Financial Corp Stock:

How To Invest In Bayfirst

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Is Bayfirst Stock a good investment?

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What is Bayfirst Financial's Net Worth?

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Largest Regional Banks Companies

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Largest Banks - Regional Companies

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Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Bayfirst Financial Corp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in census.

You can also try the Portfolio Holdings module to check your current holdings and cash postion to detemine if your portfolio needs rebalancing.

Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Bayfirst Financial. If investors know Bayfirst will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Bayfirst Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.

Quarterly Earnings Growth

6.094

Dividend Share

0.32

Earnings Share

2.35

Revenue Per Share

19.114

Quarterly Revenue Growth

(0.19)

The market value of Bayfirst Financial Corp is measured differently than its book value, which is the value of Bayfirst that is recorded on the company's balance sheet. Investors also form their own opinion of Bayfirst Financial's value that differs from its market value or its book value, called intrinsic value, which is Bayfirst Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Bayfirst Financial's market value can be influenced by many factors that don't directly affect Bayfirst Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.

Please note, there is a significant difference between Bayfirst Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if Bayfirst Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Bayfirst Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.

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Bayfirst Operating Income vs Net Income Analysis

Operating Income vs Net Income

Operating Income vs Net Income Correlation Analysis

Correlation Coefficient

Operating Income

Net Income

Bayfirst Financial fundamental ratios Correlations

Bayfirst Financial Account Relationship Matchups

High Positive Relationship

High Negative Relationship

Bayfirst Financial fundamental ratios Accounts

COMMON DESTINATIONS

MAIN CATEGORIES

COMPANY

Total Liab	+ 1.0	Total Assets
Property Plant And Equipment Net	+ 0.98	Total Stockholder Equity
Property Plant And Equipment Net	+ 0.97	Retained Earnings
Retained Earnings	+ 0.96	Total Stockholder Equity
Non Currrent Assets Other	+ 0.96	Non Current Assets Total
Net Tangible Assets	+ 0.95	Retained Earnings

Other Current Assets	- 0.93	Net Debt
Common Stock	- 0.84	Common Stock Shares Outstanding
Cash	- 0.73	Net Debt
Net Debt	- 0.73	Total Stockholder Equity
Current Deferred Revenue	- 0.69	Short Term Debt
Property Plant And Equipment Net	- 0.69	Net Debt