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Side-by-side financial comparison of BayFirst Financial Corp. (BAFN) and Lucas GC Ltd (LGCL). Click either name above to swap in a different company.
BayFirst Financial Corp. is the larger business by last-quarter revenue ($10.3M vs $7.5M, roughly 1.4× Lucas GC Ltd). Lucas GC Ltd runs the higher net margin — 5.6% vs -55.0%, a 60.5% gap on every dollar of revenue.
The PNC Financial Services Group, Inc. is an American bank holding company and financial services corporation based in Pittsburgh, Pennsylvania. Its banking subsidiary, PNC Bank, operates in 27 states and the District of Columbia, with 2,629 branches and 9,523 ATMs. PNC Bank is one of the largest banks in the US by assets and by number of branches, deposits, and ATMs.
BAFN vs LGCL — Head-to-Head
Income Statement — Q1 FY2026 vs Q2 FY2025
| Metric | | |
|---|---|---|
| Revenue | $10.3M | $7.5M |
| Net Profit | $-5.7M | $414.1K |
| Gross Margin | — | 33.7% |
| Operating Margin | — | 4.0% |
| Net Margin | -55.0% | 5.6% |
| Revenue YoY | — | — |
| Net Profit YoY | -130.6% | — |
| EPS (diluted) | $-1.48 | $0.20 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | $10.3M | — | ||
| Q4 25 | $11.2M | — | ||
| Q3 25 | $10.2M | — | ||
| Q2 25 | $23.1M | $7.5M | ||
| Q1 25 | $19.8M | — | ||
| Q4 24 | $32.9M | — | ||
| Q3 24 | $21.7M | — | ||
| Q2 24 | $20.8M | $11.5M |
| Q1 26 | $-5.7M | — | ||
| Q4 25 | $-2.5M | — | ||
| Q3 25 | $-18.9M | — | ||
| Q2 25 | $-1.2M | $414.1K | ||
| Q1 25 | $-335.0K | — | ||
| Q4 24 | $9.8M | — | ||
| Q3 24 | $1.1M | — | ||
| Q2 24 | $866.0K | $1.0M |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 33.7% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 33.5% |
| Q1 26 | — | — | ||
| Q4 25 | -25.3% | — | ||
| Q3 25 | -253.0% | — | ||
| Q2 25 | -7.1% | 4.0% | ||
| Q1 25 | -2.3% | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 7.1% | — | ||
| Q2 24 | 5.9% | 8.8% |
| Q1 26 | -55.0% | — | ||
| Q4 25 | -22.1% | — | ||
| Q3 25 | -184.7% | — | ||
| Q2 25 | -5.3% | 5.6% | ||
| Q1 25 | -1.7% | — | ||
| Q4 24 | 91.8% | — | ||
| Q3 24 | 5.2% | — | ||
| Q2 24 | 4.2% | 8.9% |
| Q1 26 | $-1.48 | — | ||
| Q4 25 | $-0.71 | — | ||
| Q3 25 | $-4.66 | — | ||
| Q2 25 | $-0.39 | $0.20 | ||
| Q1 25 | $-0.17 | — | ||
| Q4 24 | $2.21 | — | ||
| Q3 24 | $0.18 | — | ||
| Q2 24 | $0.12 | $0.01 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $134.5M | $606.9K |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $81.9M | $6.3M |
| Total Assets | $1.2B | $8.8M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $134.5M | — | ||
| Q4 25 | $207.0M | — | ||
| Q3 25 | $118.5M | — | ||
| Q2 25 | $77.3M | $606.9K | ||
| Q1 25 | $63.2M | — | ||
| Q4 24 | $77.8M | — | ||
| Q3 24 | $64.4M | — | ||
| Q2 24 | $60.8M | $978.1K |
| Q1 26 | $81.9M | — | ||
| Q4 25 | $87.6M | — | ||
| Q3 25 | $89.7M | — | ||
| Q2 25 | $108.2M | $6.3M | ||
| Q1 25 | $110.1M | — | ||
| Q4 24 | $110.9M | — | ||
| Q3 24 | $102.3M | — | ||
| Q2 24 | $101.0M | $5.3M |
| Q1 26 | $1.2B | — | ||
| Q4 25 | $1.3B | — | ||
| Q3 25 | $1.3B | — | ||
| Q2 25 | $1.3B | $8.8M | ||
| Q1 25 | $1.3B | — | ||
| Q4 24 | $1.3B | — | ||
| Q3 24 | $1.2B | — | ||
| Q2 24 | $1.2B | $7.8M |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
BAFN
| Net Interest Income | $9.4M | 91% |
| Noninterest Income | $884.0K | 9% |
LGCL
| Recruitment service | $4.4M | 60% |
| Others | $2.9M | 39% |
