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Side-by-side financial comparison of BayFirst Financial Corp. (BAFN) and Linde plc (LIN). Click either name above to swap in a different company.
BayFirst Financial Corp. is the larger business by last-quarter revenue ($10.3M vs $8.8M, roughly 1.2× Linde plc). Over the past eight quarters, BayFirst Financial Corp.'s revenue compounded faster (-29.6% CAGR vs -96.7%).
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.
Linde is a global multinational chemical company and the world's largest industrial gas supplier by market share and revenue. Founded by German scientist and engineer Carl von Linde in 1879 in Wiesbaden, Germany, the company is now headquartered in Woking, United Kingdom, and registered in Ireland as Linde plc. Linde plc was formed in 2018 through the merger of Linde AG and Praxair, which was founded in 1907 in the United States as Linde Air Products Company.
BAFN vs LIN — Head-to-Head
Income Statement — Q1 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $10.3M | $8.8M |
| Net Profit | $-5.7M | — |
| Gross Margin | — | 48.5% |
| Operating Margin | — | 27.8% |
| Net Margin | -55.0% | — |
| Revenue YoY | — | 8.2% |
| Net Profit YoY | -130.6% | — |
| EPS (diluted) | $-1.48 | $3.98 |
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 | $8.8M | ||
| Q4 25 | $11.2M | $8.8B | ||
| Q3 25 | $10.2M | $8.6B | ||
| Q2 25 | $23.1M | $8.5B | ||
| Q1 25 | $19.8M | $8.1B | ||
| Q4 24 | $32.9M | $8.3B | ||
| Q3 24 | $21.7M | $8.4B | ||
| Q2 24 | $20.8M | $8.3B |
| Q1 26 | $-5.7M | — | ||
| Q4 25 | $-2.5M | $1.5B | ||
| Q3 25 | $-18.9M | $1.9B | ||
| Q2 25 | $-1.2M | $1.8B | ||
| Q1 25 | $-335.0K | $1.7B | ||
| Q4 24 | $9.8M | $1.7B | ||
| Q3 24 | $1.1M | $1.6B | ||
| Q2 24 | $866.0K | $1.7B |
| Q1 26 | — | 48.5% | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | — | 27.8% | ||
| Q4 25 | -25.3% | 23.0% | ||
| Q3 25 | -253.0% | 27.5% | ||
| Q2 25 | -7.1% | 27.7% | ||
| Q1 25 | -2.3% | 26.9% | ||
| Q4 24 | — | 27.4% | ||
| Q3 24 | 7.1% | 25.0% | ||
| Q2 24 | 5.9% | 26.4% |
| Q1 26 | -55.0% | — | ||
| Q4 25 | -22.1% | 17.5% | ||
| Q3 25 | -184.7% | 22.4% | ||
| Q2 25 | -5.3% | 20.8% | ||
| Q1 25 | -1.7% | 20.6% | ||
| Q4 24 | 91.8% | 20.8% | ||
| Q3 24 | 5.2% | 18.5% | ||
| Q2 24 | 4.2% | 20.1% |
| Q1 26 | $-1.48 | $3.98 | ||
| Q4 25 | $-0.71 | $3.28 | ||
| Q3 25 | $-4.66 | $4.09 | ||
| Q2 25 | $-0.39 | $3.73 | ||
| Q1 25 | $-0.17 | $3.51 | ||
| Q4 24 | $2.21 | $3.61 | ||
| Q3 24 | $0.18 | $3.22 | ||
| Q2 24 | $0.12 | $3.44 |
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 | $4.0M |
| Total DebtLower is stronger | — | $24.7M |
| Stockholders' EquityBook value | $81.9M | $40.1M |
| Total Assets | $1.2B | $86.3M |
| Debt / EquityLower = less leverage | — | 0.62× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $134.5M | $4.0M | ||
| Q4 25 | $207.0M | $5.1B | ||
| Q3 25 | $118.5M | $4.5B | ||
| Q2 25 | $77.3M | $4.8B | ||
| Q1 25 | $63.2M | $5.3B | ||
| Q4 24 | $77.8M | $4.8B | ||
| Q3 24 | $64.4M | $5.2B | ||
| Q2 24 | $60.8M | $4.6B |
| Q1 26 | — | $24.7M | ||
| Q4 25 | — | $20.7B | ||
| Q3 25 | — | $18.6B | ||
| Q2 25 | — | $19.7B | ||
| Q1 25 | — | $17.6B | ||
| Q4 24 | — | $15.3B | ||
| Q3 24 | — | $17.5B | ||
| Q2 24 | — | $16.9B |
| Q1 26 | $81.9M | $40.1M | ||
| Q4 25 | $87.6M | $38.2B | ||
| Q3 25 | $89.7M | $38.6B | ||
| Q2 25 | $108.2M | $38.5B | ||
| Q1 25 | $110.1M | $38.0B | ||
| Q4 24 | $110.9M | $38.1B | ||
| Q3 24 | $102.3M | $39.2B | ||
| Q2 24 | $101.0M | $38.2B |
| Q1 26 | $1.2B | $86.3M | ||
| Q4 25 | $1.3B | $86.8B | ||
| Q3 25 | $1.3B | $86.0B | ||
| Q2 25 | $1.3B | $86.1B | ||
| Q1 25 | $1.3B | $82.7B | ||
| Q4 24 | $1.3B | $80.1B | ||
| Q3 24 | $1.2B | $82.5B | ||
| Q2 24 | $1.2B | $80.2B |
| Q1 26 | — | 0.62× | ||
| Q4 25 | — | 0.54× | ||
| Q3 25 | — | 0.48× | ||
| Q2 25 | — | 0.51× | ||
| Q1 25 | — | 0.46× | ||
| Q4 24 | — | 0.40× | ||
| Q3 24 | — | 0.45× | ||
| Q2 24 | — | 0.44× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | — | — |
| Free Cash FlowOCF − Capex | — | $898.0K |
| FCF MarginFCF / Revenue | — | 10.2% |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $4.2B |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $285.3M | $3.0B | ||
| Q3 25 | $47.3M | $2.9B | ||
| Q2 25 | $63.3M | $2.2B | ||
| Q1 25 | $74.2M | $2.2B | ||
| Q4 24 | $390.5M | $2.8B | ||
| Q3 24 | $90.8M | $2.7B | ||
| Q2 24 | $78.8M | $1.9B |
| Q1 26 | — | $898.0K | ||
| Q4 25 | $285.0M | $1.6B | ||
| Q3 25 | $47.3M | $1.7B | ||
| Q2 25 | $63.1M | $954.0M | ||
| Q1 25 | $74.1M | $891.0M | ||
| Q4 24 | $388.8M | $1.6B | ||
| Q3 24 | $90.5M | $1.7B | ||
| Q2 24 | $78.4M | $796.0M |
| Q1 26 | — | 10.2% | ||
| Q4 25 | 2554.2% | 17.9% | ||
| Q3 25 | 462.2% | 19.4% | ||
| Q2 25 | 272.7% | 11.2% | ||
| Q1 25 | 375.1% | 11.0% | ||
| Q4 24 | 1180.9% | 18.8% | ||
| Q3 24 | 416.5% | 19.9% | ||
| Q2 24 | 376.1% | 9.6% |
| Q1 26 | — | — | ||
| Q4 25 | 2.7% | 16.6% | ||
| Q3 25 | 0.1% | 14.8% | ||
| Q2 25 | 0.8% | 14.8% | ||
| Q1 25 | 0.4% | 15.7% | ||
| Q4 24 | 5.1% | 15.1% | ||
| Q3 24 | 1.5% | 12.8% | ||
| Q2 24 | 1.9% | 13.7% |
| Q1 26 | — | — | ||
| Q4 25 | — | 1.98× | ||
| Q3 25 | — | 1.53× | ||
| Q2 25 | — | 1.25× | ||
| Q1 25 | — | 1.29× | ||
| Q4 24 | 39.95× | 1.63× | ||
| Q3 24 | 79.85× | 1.76× | ||
| Q2 24 | 90.94× | 1.16× |
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% |
LIN
Segment breakdown not available.
