BayFirst Financial (NASDAQ: BAFN) furnishes Q4 2025 earnings call transcript

Rhea-AI Filing Summary

BayFirst Financial Corp. furnished an update related to its recent financial communications. The company hosted a conference call on January 29, 2026 to discuss its financial results for the quarter ended December 31, 2025, and is providing the full conference call transcript as an exhibit to this report.

The transcript is included as Exhibit 99.1, and an archived audio version of the call is available in the Investor Relations section of the company’s website. The information in this report and its exhibits is being furnished under Regulation FD and is not deemed filed for liability purposes under the federal securities laws.

0001649739FALSE00016497392026-01-302026-01-30

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) January 30, 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 January 29, 2026, BayFirst Financial Corp. (the “Company”) hosted a conference call to discuss its financial results for the quarter ended December 31, 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. Fourth 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:			2/03/2026
By:			/s/ Scott J. McKim
			Scott J. McKim
			Chief Financial Officer

FAQ

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

BayFirst Financial Corp. furnished the transcript of its January 29, 2026 conference call discussing financial results for the quarter ended December 31, 2025, as Exhibit 99.1, and noted the call archive is available on its Investor Relations website.

Which period’s results were discussed in BayFirst Financial (BAFN)’s conference call?

The conference call covered BayFirst Financial’s financial results for the quarter ended December 31, 2025. The 8-K does not detail those results directly but provides the full transcript as Exhibit 99.1 for interested investors to review.

Where can investors access BayFirst Financial (BAFN)’s Q4 2025 earnings call transcript?

Investors can access the full transcript as Exhibit 99.1 to this report and find an archived version of the conference call on the Investor Relations section of BayFirst Financial’s website at www.bayfirstfinancial.com for additional context.

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

The company states the information in this report, including the exhibits, is furnished under Regulation FD and is not deemed filed under Section 18 of the Exchange Act, limiting associated liability and incorporation into other registration statements.

Who signed BayFirst Financial (BAFN)’s 8-K related to the Q4 2025 call?

The 8-K was signed on behalf of BayFirst Financial Corp. by Scott J. McKim, the company’s Chief Financial Officer, confirming the furnished conference call transcript and related disclosure regarding the fourth quarter 2025 results discussion.