BayFirst files 8-K, shares Q3 2025 call transcript (Ex. 99.1)

Rhea-AI Filing Summary

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.

8-K Event Classification

2 items: 7.01, 9.01

2 items

Item 7.01 Regulation FD Disclosure Disclosure

Material non-public information disclosed under Regulation Fair Disclosure, often investor presentations or guidance.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Understanding 8-K Material Events →

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

 FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d)

OF THE SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported) October 31, 2025 

BAYFIRST FINANCIAL CORP.

(Exact name of registrant as specified in its charter)

Florida

001-41068

59-3665079

(State or other jurisdiction of incorporation)

(Commission file number)

(IRS employer identification no.)

700 Central Avenue

33701

St. Petersburg, Florida

(Zip Code)

(Address of principal executive offices)

(727) 440-6848

(Registrant’s telephone number, including area code)

Not Applicable

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

o			Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
o			Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
o			Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
o			Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities Registered pursuant to Section 12(b) of the Act:
Title of each class registered			Trading Symbol(s)			Name of exchange on which registered
Common Stock			BAFN			The Nasdaq Stock Market LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1933 (§240.12b-2 of this chapter)

Emerging growth company ☑

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 7.01. Regulation FD Disclosure

On October 31, 2025, BayFirst Financial Corp. (the “Company”) hosted a conference call to discuss its financial results for the quarter ended September 30, 2025. A copy of the conference call transcript is attached hereto as Exhibit 99.1. An archived version of the conference call is available on the Investor Relations section of the Company’s website at www.bayfirstfinancial.com.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits

Exhibit Number

Exhibit Name

Filed Herewith

99.1

BayFirst Financial Corp. Third Quarter 2025 Conference Call Transcript

*

104

Cover Page Interactive Data File (embedded within the Inline XBRL document)

*

The information in this report (including the exhibits) shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liability of that section, and shall not be incorporated by reference into any registration statement or other document filed under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such filing.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

BAYFIRST FINANCIAL CORP.
Date:			11/06/2025
By:			/s/ Scott J. McKim
			Scott J. McKim
			Chief Financial Officer

FAQ

What did BayFirst (BAFN) disclose in this 8-K?

It hosted a conference call about results for the quarter ended September 30, 2025 and furnished the transcript as Exhibit 99.1.

Where can I access BayFirst’s Q3 2025 call transcript?

The full transcript is included as Exhibit 99.1 to the 8-K, with an archived version available on the company’s Investor Relations website.

Under which item was the information furnished?

The disclosure was made under Item 7.01 (Regulation FD).

Is the 8-K information considered filed under the Exchange Act?

No. The company states the information is furnished, not filed, under the Exchange Act.

What period did the BayFirst call cover?

It covered financial results for the quarter ended September 30, 2025.

What exhibits were included with the 8-K?

Exhibit 99.1 (Q3 2025 conference call transcript) and Exhibit 104 (Cover Page Interactive Data File).