BayFirst posts Q2 2026 earnings call transcript

BayFirst Financial Corp. (BAFN) reported that it hosted a conference call on August 14, 2026 to discuss its financial results for the quarter ended June 30, 2026.

Rhea-AI Filing Summary

BayFirst Financial Corp. (BAFN) reported that it hosted a conference call on August 14, 2026 to discuss its financial results for the quarter ended June 30, 2026. The company has provided a full transcript of this second-quarter 2026 call as Exhibit 99.1, and an archived audio version is available in the Investor Relations section of its website at www.bayfirstfinancial.com. The company states that this information, including the exhibits, is being furnished under Regulation FD and is not deemed filed for liability purposes under the Exchange Act or incorporated into Securities Act or Exchange Act filings unless specifically referenced.

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, or exhibit attachments filed with this report.

Key Terms

Regulation FD, Emerging growth company, Inline XBRL

3 terms

Regulation FD regulatory

"Item 7.01. Regulation FD Disclosure On August 14, 2026, BayFirst Financial Corp."

Regulation FD is a rule that prevents company insiders, like executives, from sharing important information with some people before others get it. It matters because it helps ensure all investors have equal access to key news, making the stock market fairer and reducing chances of insider trading.

Emerging growth company regulatory

"Emerging growth company"

An emerging growth company is a recently public or smaller public firm that qualifies for temporary, lighter regulatory and disclosure rules to reduce the cost and effort of being public. For investors, it means the company may provide less historical financial detail and face fewer reporting requirements than larger firms, so it can grow more quickly but also carries higher uncertainty—like buying a promising early-stage product with fewer user reviews.

Inline XBRL technical

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

Inline XBRL is a file format for financial filings that embeds machine-readable data tags directly inside the human-readable report, so the same document can be read by people and parsed by software. For investors it makes extracting, comparing and verifying financial numbers faster and more reliable—like a grocery list where each item also has a barcode—reducing manual errors and speeding up analysis.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What did BayFirst Financial Corp. (BAFN) announce in this Form 8-K?

BayFirst Financial Corp. announced that it held a conference call on August 14, 2026 to discuss financial results for the quarter ended June 30, 2026, and it furnished the full call transcript as an exhibit.

Where can investors access BayFirst Financial Corp. (BAFN) Q2 2026 earnings call transcript?

Investors can access the BayFirst Financial Corp. Q2 2026 call transcript in Exhibit 99.1 to this report and an archived audio version on the Investor Relations section of the company’s website, www.bayfirstfinancial.com.

Does this BayFirst Financial Corp. (BAFN) Form 8-K include detailed financial results?

This Form 8-K itself does not include detailed figures; it states that financial results for the quarter ended June 30, 2026 were discussed on the August 14, 2026 call, and the transcript of that call is provided as Exhibit 99.1.

Is the BayFirst Financial Corp. (BAFN) conference call information considered filed with the SEC?

No. BayFirst Financial Corp. specifies that the conference call information and exhibits are furnished, not filed under the Exchange Act and are not subject to Section 18 liability or automatically incorporated into Securities Act or Exchange Act filings.

Who signed the BayFirst Financial Corp. (BAFN) Form 8-K related to the Q2 2026 call?

The Form 8-K was signed on behalf of BayFirst Financial Corp. by Scott J. McKim, who is identified as the company’s Chief Financial Officer, indicating officer-level authorization of the furnished disclosure.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Available on EDGAR 08/18/2026 - 04:52 PM EDT Accepted by SEC EDGAR 08/18/2026 - 04:51 PM EDT Learn about SEC filing dates

0001649739FALSE00016497392026-08-142026-08-14

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) August 14, 2026 

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 August 14, 2026, BayFirst Financial Corp. (the “Company”) hosted a conference call to discuss its financial results for the quarter ended June 30, 2026. 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. Second Quarter 2026 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:			8/18/2026
By:			/s/ Scott J. McKim
			Scott J. McKim
			Chief Financial Officer

Filing Exhibits & Attachments

4 documents

Press Releases

• EX-99.1 EX-99.1 80.2 KB

Other Documents

• EX-101 XBRL TAXONOMY EXTENSION SCHEMA DOCUMENT 1.8 KB
• EX-101 XBRL TAXONOMY EXTENSION LABEL LINKBASE DOCUMENT 22.0 KB
• EX-101 XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE DOCUMENT 12.7 KB