Basis: Latest reported fiscal quarter. Source: stored company filings and market data; unavailable inputs remain N/A.
Is the debt to assets ratio high or low?
The debt to assets ratio of 1.64% is 41% below its 5-year average of 2.78%, near the low end of its 5-year range (0.79%–5.76%).
As of the fiscal period ended Tuesday, June 30, 2026. 44.55% below its 12-month average of 2.96%.
Reported quarterly debt to assets ratio; no daily interpolation. Q2 FY2026 (2026-06-30): 1.64%.
DEBT TO ASSETS RATIO
1.64%
DEBT TO ASSETS RATIO AVG TTM
2.96%
DEBT TO ASSETS RATIO AVG 3Y
2.75%
DEBT TO ASSETS RATIO AVG 5Y
2.78%
DEBT TO ASSETS RATIO AVG 10Y
2.72%
DEBT TO ASSETS RATIO AVG 15Y
N/A
DEBT TO ASSETS RATIO AVG 20Y
N/A
CURRENT VS TTM AVG
-44.55%
CURRENT VS 3Y AVG
-40.26%
CURRENT VS 5Y AVG
-40.96%
CURRENT VS 10Y AVG
-39.52%
CURRENT VS 15Y AVG
N/A
CURRENT VS 20Y AVG
N/A
SECTOR MEDIAN · FINANCIAL SERVICES
0.06%
median of 373 covered companies
CURRENT VS SECTOR MEDIAN
+2640.27%
vs the sector median at left
BayFirst Financial Corp.
Market Cap
$31.83M
Debt to Assets Ratio
1.64%
TTM Avg
2.96%
3Y Avg
2.75%
5Y Avg
2.78%
Market Cap
$32.36M
Debt to Assets Ratio
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$25.70M
Debt to Assets Ratio
0.09%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$25.27M
Debt to Assets Ratio
0.00%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$39.10M
Debt to Assets Ratio
0.18%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$24.03M
Debt to Assets Ratio
0.17%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$42.22M
Debt to Assets Ratio
0.00%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
| NAME | MARKET CAP | DEBT TO ASSETS RATIO | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| BayFirst Financial Corp. (BAFN) | $31.83M | 1.64% | 2.96% | 2.75% | 2.78% |
| FG Communities Holdings Inc. (FGC)vs › | $32.36M | N/A | N/A | N/A | N/A |
| Fold Holdings, Inc. (FLD)vs › | $28.54M | 0.24% | N/A | N/A | N/A |
| Atlantic American Corporation (AAME)vs › | $25.70M | 0.09% | N/A | N/A | N/A |
| A SPAC III Acquisition Corp. (ASPC)vs › | $25.27M | 0.00% | N/A | N/A | N/A |
| Aimei Health Technology Co., Ltd (AFJK)vs › | $39.10M | 0.18% | N/A | N/A | N/A |
| Beeline Holdings Inc. (BLNE)vs › | $24.03M | 0.17% | N/A | N/A | N/A |
| eHealth, Inc. (EHTH)vs › | $21.63M | 0.11% | N/A | N/A | N/A |
| DT Cloud Star Acquisition Corporation (DTSQ)vs › | $42.22M | 0.00% | N/A | N/A | N/A |
| Avalanche Treasury Corporation Class A Common Stock (AVAT)vs › | $44.75M | N/A | N/A | N/A | N/A |
Debt/Assets
1.6%
Debt/Equity
0.16
Current ratio and interest coverage is unavailable for BayFirst Financial Corp.: applicability has not been verified for this financial-services business. The current sector-based policy withholds this model until its treatment of debt, cash and cash flows is confirmed for the company.
Formula: Debt/Assets = Total Debt / Total Assets × 100
Debt/Assets vs Debt/Equity:
Industry context matters: Capital-intensive industries (utilities, real estate) typically have higher Debt/Assets ratios than tech companies.
Debt/Assets ratio shows what percentage of a company's assets are financed by debt. Compare the current value with the historical chart and peer group to understand leverage over time.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | DEBT TO ASSETS RATIO |
|---|---|
| 2026-06-30 | 1.64% |
| 2026-03-31 | 1.72% |
| 2025-12-31 | 1.60% |
| 2025-09-30 | 5.28% |
| 2025-06-30 | 4.58% |
| 2025-03-31 | 3.24% |
| 2024-12-31 | 1.74% |
| 2024-09-30 | 1.63% |
| 2024-06-30 | 5.39% |
| 2024-03-31 | 2.26% |
| 2023-12-31 | 1.87% |
| 2023-09-30 | 0.99% |
| 2023-06-30 | 3.82% |
| 2023-03-31 | 3.45% |
| 2022-12-31 | 3.98% |
| 2022-09-30 | 4.33% |
| 2022-06-30 | 5.76% |
| 2022-03-31 | 1.52% |
| 2021-12-31 | 1.39% |
| 2021-09-30 | 1.48% |
| 2021-06-30 | 0.79% |
| 2021-03-31 | 2.89% |
| 2020-12-31 | 0.88% |
| 2020-09-30 | 1.39% |
| 2020-06-30 | 1.42% |
| 2020-03-31 | 3.74% |
| 2019-12-31 | 4.60% |
| 2015-12-31 | 0.00% |
| 2015-06-30 | 7.56% |
