Bayfirst Financial CORP. (BAFN) — SEC Filings

Overview

Bayfirst Financial CORP. (BAFN) is a publicly traded company tracked on ReadTheFiling. The most recent enriched filing is a 8-K filed on Mar 31, 2026: BayFirst Financial Corp. filed an 8-K on March 31, 2026, reporting on its first quarter 2026 earnings call. The filing includes the earnings call transcript and related financial exhibits. The company is a commercial bank based in St. Petersburg, Florida.

Sentiment Summary

Across 43 filings, the sentiment breakdown is: 2 bearish, 40 neutral, 1 mixed. The dominant filing sentiment for Bayfirst Financial CORP. is neutral.

Filing Type Overview

Bayfirst Financial CORP. (BAFN) has filed 33 8-K, 2 10-K, 6 10-Q, 2 DEF 14A with the SEC between Jan 2024 to Mar 2026.

Filings by Year

2026 · 2025 · 2024

Recent Filings (43)

• BayFirst Financial Corp. Q1 2026 Earnings Call Details — 8-K · Mar 31, 2026 Risk: low
  BayFirst Financial Corp. filed an 8-K on March 31, 2026, reporting on its first quarter 2026 earnings call. The filing includes the earnings call transcript and
• BayFirst Narrows Lending Focus, Exits SBA 7(a) Amidst Competitive Pressures — 10-K · Mar 27, 2026 Risk: medium
  BayFirst Financial Corp. (BAFN) reported consolidated total assets of $1.30 billion, total loans held for investment of $963.9 million, total deposits of $1.18
• 8-K Filing — 8-K · Dec 31, 2025
• 8-K Filing — 8-K · Dec 15, 2025
• BAFN Plunges to $18.9M Loss on Soaring Credit Provisions — 10-Q · Nov 12, 2025 Risk: high
  BayFirst Financial Corp. (BAFN) reported a significant net loss of $18.902 million for the three months ended September 30, 2025, a stark contrast to the net in
• BayFirst Financial Corp. Files 8-K — 8-K · Nov 6, 2025 Risk: low
  BayFirst Financial Corp. filed an 8-K on November 6, 2025, reporting on events as of October 31, 2025. The filing primarily concerns Regulation FD disclosures a
• BayFirst Financial Corp. Files 8-K on Financials — 8-K · Oct 30, 2025 Risk: low
  BayFirst Financial Corp. filed an 8-K on October 30, 2025, reporting results of operations and financial condition as of October 28, 2025. The filing also inclu
• BayFirst Financial Corp. Files 8-K — 8-K · Sep 30, 2025 Risk: low
  BayFirst Financial Corp. filed an 8-K on September 30, 2025, reporting on financial statements and exhibits. The company, formerly known as First Home Bancorp I
• BayFirst Financial Corp. Enters Material Definitive Agreement — 8-K · Sep 29, 2025 Risk: medium
  BayFirst Financial Corp. (BAFN) announced on September 25, 2025, that it entered into a material definitive agreement. The filing also includes other events and
• BayFirst Swings to Loss Amid Rising Interest Expenses — 10-Q · Aug 11, 2025 Risk: high
  BayFirst Financial Corp. reported a net loss of $1.5 million for the three months ended June 30, 2025, a significant decline from net income of $2.3 million in
• BayFirst Financial Corp. Files 8-K — 8-K · Aug 4, 2025 Risk: low
  BayFirst Financial Corp. filed an 8-K on August 4, 2025, reporting on other events and financial statements. The filing details the company's corporate structur
• BayFirst Financial Corp. Files 8-K — 8-K · Aug 1, 2025 Risk: low
  BayFirst Financial Corp. filed an 8-K on July 30, 2025, reporting a Regulation FD Disclosure and Financial Statements and Exhibits. The company, formerly known
• BayFirst Financial Corp. Files 8-K on Financials — 8-K · Jul 29, 2025 Risk: low
  BayFirst Financial Corp. filed an 8-K on July 29, 2025, reporting on its results of operations and financial condition. The filing also includes Regulation FD d
• BayFirst Financial Corp. Files 8-K — 8-K · Jun 30, 2025 Risk: low
  BayFirst Financial Corp. filed an 8-K on June 30, 2025, reporting information under Regulation FD and including financial statements and exhibits. The company,
• BayFirst Financial Corp. Files 8-K on Shareholder Votes & Financials — 8-K · May 19, 2025 Risk: low
  BayFirst Financial Corp. filed an 8-K on May 19, 2025, reporting on matters submitted to a vote of security holders and financial statements as of May 15, 2025.
• BayFirst Financial Corp. Files 8-K with Financial Updates — 8-K · May 16, 2025 Risk: low
  BayFirst Financial Corp. filed an 8-K on May 16, 2025, reporting events as of May 15, 2025. The filing primarily concerns Regulation FD Disclosure and includes
• BayFirst Financial Corp. Q1 2025 10-Q Filed — 10-Q · May 13, 2025 Risk: low
  BayFirst Financial Corp. filed its 10-Q for the period ending March 31, 2025. The filing details financial information for the first quarter of 2025, including
• BayFirst Financial Corp. Files 8-K Report — 8-K · Apr 29, 2025 Risk: low
  BayFirst Financial Corp. filed an 8-K on April 29, 2025, reporting events as of April 25, 2025. The filing is a current report under the Securities Exchange Act
• BayFirst Financial Corp. Files 8-K on Financials — 8-K · Apr 24, 2025 Risk: low
  BayFirst Financial Corp. filed an 8-K on April 24, 2025, reporting on its results of operations and financial condition. The filing also included disclosures un
• BayFirst Financial Corp. Files 2025 Proxy Statement — DEF 14A · Apr 4, 2025 Risk: low
  BayFirst Financial Corp. filed its definitive proxy statement (DEF 14A) on April 4, 2025, for its annual meeting. The filing outlines the company's governance,
• BayFirst Financial Corp. Files 8-K on March 31, 2025 — 8-K · Mar 31, 2025 Risk: low
  BayFirst Financial Corp. filed an 8-K on March 31, 2025, reporting on events occurring on the same date. The filing includes information related to Regulation F
• BayFirst Financial Corp. Files 2024 10-K — 10-K · Mar 25, 2025 Risk: low
  BayFirst Financial Corp. filed its 2024 10-K on March 25, 2025, reporting on its fiscal year ending December 31, 2024. The company, formerly known as First Home
• BayFirst Financial Corp. Files 8-K — 8-K · Feb 4, 2025 Risk: low
  BayFirst Financial Corp. filed an 8-K on February 4, 2025, reporting events as of January 31, 2025. The filing primarily concerns Regulation FD disclosures and
• BayFirst Financial Corp. Files 8-K on Operations and Financials — 8-K · Jan 30, 2025 Risk: low
  On January 30, 2025, BayFirst Financial Corp. filed an 8-K report detailing events related to its financial condition and operations. The filing includes inform
• BayFirst Financial Corp. Files 8-K for Year-End 2024 — 8-K · Dec 31, 2024 Risk: low
  BayFirst Financial Corp. filed an 8-K on December 31, 2024, reporting on events as of the same date. The filing primarily concerns financial statements and exhi
• BayFirst Financial Corp. Files Q3 2024 10-Q — 10-Q · Nov 13, 2024 Risk: medium
  BayFirst Financial Corp. filed its 10-Q for the period ending September 30, 2024. The company reported its financial performance and position, including details
• BayFirst Financial Corp. Files 8-K — 8-K · Oct 28, 2024 Risk: low
  BayFirst Financial Corp. filed an 8-K on October 28, 2024, reporting an event on October 25, 2024. The filing is related to Regulation FD Disclosure and Financi
• BayFirst Financial Corp. Files 8-K — 8-K · Oct 24, 2024 Risk: low
  BayFirst Financial Corp. filed an 8-K on October 24, 2024, reporting on its financial condition and other events. The filing includes financial statements and e
• BayFirst Financial Corp. Files 8-K — 8-K · Sep 30, 2024 Risk: low
  BayFirst Financial Corp. filed an 8-K on September 30, 2024, reporting on financial statements and exhibits. The filing pertains to the period ending September
• BayFirst Financial Corp. Q2 2024 10-Q Filed — 10-Q · Aug 12, 2024 Risk: low
  BayFirst Financial Corp. filed its 10-Q for the period ending June 30, 2024. The company reported its financial position and results of operations. Key financia
• BayFirst Financial Corp. to Acquire First Home Bancorp — 8-K · Jul 29, 2024 Risk: medium
  BayFirst Financial Corp. announced on July 26, 2024, that it has entered into a definitive agreement to acquire First Home Bancorp, Inc. The transaction is expe
• BayFirst Financial Corp. Files 8-K on Financials — 8-K · Jul 25, 2024 Risk: low
  BayFirst Financial Corp. filed an 8-K on July 25, 2024, reporting on its results of operations and financial condition. The filing also included disclosures rel
• BayFirst Financial Corp. to Acquire First Home Bancorp Inc. — 8-K · Jun 28, 2024 Risk: medium
  BayFirst Financial Corp. announced on June 28, 2024, that it has entered into a definitive agreement to acquire First Home Bancorp Inc. The transaction is expec
• BayFirst Financial Corp. Files 8-K on Shareholder Votes & Exhibits — 8-K · May 17, 2024 Risk: low
  BayFirst Financial Corp. filed an 8-K on May 17, 2024, reporting on matters submitted to a vote of security holders and financial statements. The filing pertain
• BayFirst Financial Corp. Files 8-K — 8-K · May 16, 2024 Risk: low
  BayFirst Financial Corp. filed an 8-K on May 16, 2024, to report a Regulation FD Disclosure and Financial Statements and Exhibits. The filing does not contain s
• BayFirst Financial Corp. Files 10-Q for Period Ending March 31, 2024 — 10-Q · May 13, 2024 Risk:
  BayFirst Financial Corp. (BAFN) filed a Quarterly Report (10-Q) with the SEC on May 13, 2024. BayFirst Financial Corp. filed a 10-Q report for the period ending
• BayFirst Financial Corp. Files Current Report — 8-K · Apr 30, 2024 Risk: medium
  BayFirst Financial Corp. filed an 8-K on April 30, 2024, reporting an event on April 26, 2024. The filing is a current report under the Securities Exchange Act
• BayFirst Financial Corp. to Acquire First Home Bancorp — 8-K · Apr 25, 2024 Risk: medium
  BayFirst Financial Corp. announced on April 25, 2024, that it has entered into a definitive agreement to acquire First Home Bancorp, Inc. The transaction is exp
• BayFirst Financial Corp. Announces Annual Meeting of Shareholders on May 16, 2024 — DEF 14A · Apr 5, 2024 Risk: low
  BayFirst Financial Corp. (BAFN) filed a Proxy Statement (DEF 14A) with the SEC on April 5, 2024. BayFirst Financial Corp. will hold its Annual Meeting of Shareh
• BayFirst Financial Corp. Files 8-K — 8-K · Mar 28, 2024 Risk: low
  BayFirst Financial Corp. filed an 8-K on March 28, 2024, to report on Regulation FD disclosures and financial statements. The filing details the company's corpo
• BayFirst Financial Corp. Files 8-K for Regulation FD Disclosure — 8-K · Jan 29, 2024
  BayFirst Financial Corp. (BAFN) filed an 8-K on January 26, 2024, to disclose information under Regulation FD, which typically means they've shared material non
• BayFirst Financial Files 8-K on Operations, Financial Condition — 8-K · Jan 25, 2024
  BayFirst Financial Corp. filed an 8-K on January 25, 2024, to report on its results of operations and financial condition, as well as to make a Regulation FD di
• BayFirst Financial Reports Officer/Director Changes, Comp Arrangements — 8-K · Jan 2, 2024
  BayFirst Financial Corp. filed an 8-K on January 2, 2024, reporting an event that occurred on January 1, 2024. This filing indicates a change related to 'Depart

Risk Profile

Risk Assessment: Of BAFN's 37 recent filings, 2 were flagged as high-risk, 7 as medium-risk, and 28 as low-risk. The overall risk profile suggests relatively low risk with generally favorable filings.

Financial Highlights

Key financial metrics from Bayfirst Financial CORP.'s most recent 10-K filing (Mar 27, 2026):

• Total Assets: $1.30B

Industry Context

BayFirst operates within the highly competitive community banking sector, primarily serving the Tampa Bay/Sarasota region. The industry is characterized by a mix of local banks, regional players, and large national institutions. Trends include a focus on digital transformation, personalized customer service, and specialization in niche lending areas like SBA and USDA programs to differentiate from larger competitors.

Top Tags

8-K (16) · financials (11) · financial-reporting (9) · disclosure (7) · financial-statements (5) · corporate-governance (4) · 10-Q (4) · regulation-fd (3) · financial-condition (3) · regulatory-filing (3)

Key Numbers

• Consolidated Total Assets: $1.30B — as of December 31, 2025
• Total Loans Held for Investment: $963.9M — as of December 31, 2025
• Total Deposits: $1.18B — as of December 31, 2025
• Total Shareholders' Equity: $87.6M — as of December 31, 2025
• Common Stock Selling Price: $14.00 — on June 30, 2025, used for market value calculation
• Aggregate Market Value of Common Stock: $49.3M — held by non-affiliates as of June 30, 2025
• Shares of Common Stock Outstanding: 4,108,072 — as of March 16, 2026
• Banking Centers: 12 — operated by Community Banking Division in Tampa Bay area
• USDA Guarantee: 80% — maximum guarantee on USDA B&I loan balances
• Net Loss (Q3 2025): $18.902M — Significant decline from $1.137M net income in Q3 2024.
• Net Loss (YTD Q3 2025): $20.474M — Substantial reversal from $2.827M net income in YTD Q3 2024.
• Provision for Credit Losses (Q3 2025): $10.915M — Increased from $3.122M in Q3 2024, indicating rising credit risk.
• Provision for Credit Losses (YTD Q3 2025): $22.579M — More than doubled from $10.180M in YTD Q3 2024.
• Total Noninterest Income (Q3 2025): ($1.046M) — Fell from $12.272M in Q3 2024, largely due to fair value adjustments.
• Fair Value Adjustment on Loans Held for Sale (Q3 2025): ($5.096M) — New negative impact on noninterest income, not present in Q3 2024.

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