Welcome to our dedicated page for Bayfirst Financial SEC filings (Ticker: BAFN), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Tracking how BayFirst Financial Corp turns hometown deposits into nationwide SBA and residential mortgages is vital, yet its SEC disclosures can exceed 300 pages of banking jargon. Whether you’re hunting for capital-ratio shifts or wondering how gain-on-sale income buffers earnings volatility, digging through each filing is a time-sink investors don’t need.
Stock Titan’s AI engine reads every BayFirst Financial quarterly earnings report 10-Q filing, annual report 10-K, and 8-K material event the minute they appear on EDGAR. We surface plain-English insights, from net interest margin trends to geographic loan-loss data, while linking directly to the source lines for verification. Need BayFirst Financial insider trading Form 4 transactions? Our real-time alerts show exactly when executives buy or sell, so you can spot sentiment shifts before the market reacts.
Use the platform to: compare SBA production figures across quarters, see which board members received new equity grants in the latest proxy statement executive compensation table, and understand BayFirst Financial 8-K material events explained by AI. Historical filing downloads are also preserved, letting professionals back-test trends over multiple years without leaving the page. Every filing type—BayFirst Financial annual report 10-K simplified, Form 4 insider transactions real-time, quarterly earnings report 10-Q updates, and proxy details—is indexed, searchable, and accompanied by concise AI summaries that translate complex regulatory language into actionable context.
BayFirst Financial Corp. (BAFN) reported an insider equity transaction by its SVP and Chief Accounting Officer, Rhonda Tudor, on a Form 4. On 10/24/2025, 228 shares of BayFirst common stock were disposed of at $9.41 per share, coded as transaction type “F”, which indicates shares withheld to cover taxes on equity compensation.
The filing explains that these shares were withheld by the company to satisfy tax withholding and remittance obligations related to the net settlement of restricted stock awards, and that this does not represent a sale by the insider. After this transaction, Tudor beneficially owns 1,514.5155 shares of BayFirst common stock directly.
BayFirst Financial Corp. (BAFN) executive vice president and chief financial officer reported a small open-market-style acquisition of company stock. On 11/13/2025, the officer acquired 40.404 shares of common stock at a price of $7.43 per share under the issuer's Non-Qualified Stock Purchase Plan. Following this transaction, the reporting person beneficially owned 3,256.4581 shares of BayFirst common stock, held directly.
BayFirst Financial Corp. insider trade disclosure: Senior vice president and chief accounting officer Rhonda Tudor reported buying 40.404 shares of BayFirst Financial Corp. common stock on 11/13/2025 under the issuer's Non-Qualified Stock Purchase Plan. The shares were acquired at a price of $7.43 per share. Following this transaction, Tudor beneficially owns a total of 1,742.5155 shares of BayFirst Financial common stock in direct ownership. This filing is a routine Form 4 reporting an officer's equity purchase rather than a company-level financing or strategic transaction.
BayFirst Financial Corp. (BAFN) reported a small insider purchase by a director who also serves as President and COO. On 11/13/2025, the insider acquired 40.404 shares of common stock at $7.43 per share, through the issuer's Non-Qualified Stock Purchase Plan. Following this transaction, the insider beneficially owned 11,537.1289 shares of BayFirst common stock, held directly. This filing is a routine disclosure of insider activity rather than a corporate action affecting all shareholders.
BayFirst Financial Corp. (BAFN) reported an insider stock purchase by its CEO and director. On 11/13/2025, the reporting person acquired 202.0202 shares of BayFirst common stock at a price of $7.43 per share. The shares were purchased under the company’s Non-Qualified Stock Purchase Plan, indicating they were obtained through a structured company plan rather than open-market trading. Following this transaction, the insider directly beneficially owns 19,205.586 shares of BayFirst common stock.
BayFirst Financial Corp. reported a Q3 2025 net loss of $18.9 million, or $(4.66) per diluted share, driven by a higher credit loss provision, restructuring, and fair value impacts. Net interest income improved to $11.3 million as deposit interest expense fell, but noninterest income turned negative.
The quarter included a $10.9 million provision for credit losses, a $7.3 million restructuring charge, a $5.1 million fair value adjustment on loans held for sale, and a $0.9 million fair value loss on government‑guaranteed loans, while gains on loan sales decreased to $3.1 million. For the nine months, the Company recorded a net loss of $20.5 million.
Balance sheet shifts were notable: the allowance for credit losses rose to $24.5 million and loans held for investment declined to $936.9 million. Deposits were $1.171 billion, and the Company added $50.0 million of FHLB borrowings. Shareholders’ equity decreased to $89.7 million. Cash and equivalents increased to $118.6 million. The Company had 4,110,003 common shares outstanding as of November 5, 2025.
BayFirst Financial Corp. filed an 8-K stating it hosted a conference call to discuss financial results for the quarter ended September 30, 2025. The company furnished the full conference call transcript as Exhibit 99.1, and an archived audio is available in the Investor Relations section of its website.
The information was provided under Item 7.01 (Regulation FD) and is deemed furnished, not filed, under the Exchange Act.
BayFirst Financial Corp. disclosed a third‑party cybersecurity incident affecting its bank subsidiary. A marketing services provider notified BayFirst on August 14, 2025 of an issue and confirmed on October 28, 2025 that some customer data was exposed. The provider investigated, involved cybersecurity experts, and notified law enforcement. Based on current information, unauthorized access included names, dates of birth, and Social Security/tax ID numbers of some customers, and there is no evidence to date of misuse. Impacted customers will be notified directly. The company stated it cannot quantify any material impact at this time.
BayFirst also furnished its third quarter 2025 earnings press release and an investor presentation as exhibits, and noted the materials are available on its website.
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