BayFirst Financial CFO buys shares at $6.31

BayFirst Financial Corp.’s chief financial officer increased his direct common stock holdings through a purchase under the company’s Non-Qualified Stock Purchase Plan.

Rhea-AI Filing Summary

BayFirst Financial Corp. (BAFN) reported that its EVP and Chief Financial Officer, Scott Joseph McKim, acquired 47.5549 shares of common stock on September 4, 2026 at $6.31 per share in an "other" transaction classified as an acquisition. The shares were purchased under the issuer's Non-Qualified Stock Purchase Plan, bringing his direct holdings to 3,325.2052 shares. No Rule 10b5-1 trading plan is reported for this transaction.

Insider Trade Summary

Other: 47.5549 shares

Other 1 txn

Insider McKim Scott Joseph

Role EVP, Chief Financial Officer

Type	Security	Shares	Price	Value
Other	Common Stock F1	47.5549	$6.31	$300.07

Holdings After Transaction: Common Stock — 3,325.2052 shares (Direct)

Footnotes (1)

1. F1. Shares were purchased within the issuer's Non-Qualified Stock Purchase Plan.

Key Figures

Shares acquired: 47.5549 shares Transaction price per share: $6.31 per share Shares owned after transaction: 3,325.2052 shares +2 more

5 metrics

Shares acquired 47.5549 shares Common stock acquired by CFO on September 4, 2026

Transaction price per share $6.31 per share Price for the 47.5549 common shares acquired on September 4, 2026

Shares owned after transaction 3,325.2052 shares Direct common stock holdings of CFO following the reported acquisition

Number of acquisition transactions 1 transaction Non-derivative acquisition reported on this Form 4

Restructuring-classified shares 47.5549 shares Shares in a transaction classified in the summary as restructuring (code J)

Key Terms

Non-Qualified Stock Purchase Plan, Rule 10b5-1, direct ownership

3 terms

Non-Qualified Stock Purchase Plan financial

"Shares were purchased within the issuer's Non-Qualified Stock Purchase Plan"

Rule 10b5-1 regulatory

"No Rule 10b5-1 trading plan is reported for this transaction"

Rule 10b5-1 is a regulation that allows company insiders to buy or sell their shares at predetermined times, even if they have access to non-public information. It acts like setting a schedule in advance for transactions, helping prevent accusations of unfair trading. This rule provides a way for insiders to plan trades transparently, giving investors confidence that these transactions are not based on hidden information.

direct ownership financial

"reports the CFO’s 3,325.2052 shares as direct ownership"

FAQ

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

What insider transaction did BAFN report for its CFO on September 4, 2026?

BayFirst Financial Corp. reported that CFO Scott Joseph McKim acquired 47.5549 shares of common stock on September 4, 2026 at $6.31 per share in an "other" acquisition transaction.

How many BayFirst Financial Corp. (BAFN) shares does the CFO hold after this Form 4 transaction?

After the reported transaction, CFO Scott Joseph McKim directly holds 3,325.2052 shares of BayFirst Financial Corp. common stock.

Was the BAFN CFO’s September 4, 2026 share acquisition under a company stock purchase plan?

Yes. A footnote states the 47.5549 shares were purchased within BayFirst Financial Corp.'s Non-Qualified Stock Purchase Plan.

Did the BayFirst (BAFN) CFO’s Form 4 indicate a Rule 10b5-1 trading plan?

No. The filing’s Rule 10b5-1 checkbox is not marked, so no Rule 10b5-1 trading plan is reported for this transaction.

Is the BAFN CFO’s ownership reported as direct or indirect on this Form 4?

The Form 4 reports the CFO’s 3,325.2052 shares as direct ownership of BayFirst Financial Corp. common stock.

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

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Available on EDGAR 09/09/2026 - 12:29 PM Accepted by SEC EDGAR 09/09/2026 - 12:28 PM Learn about SEC filing dates

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

McKim Scott Joseph

(Last) (First) (Middle)

700 CENTRAL AVE

(Street)

ST. PETERSBURG FLORIDA 33701

(City) (State) (Zip)

UNITED STATES

(Country)

2. Issuer Name and Ticker or Trading Symbol
BayFirst Financial Corp. [ BAFN ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	EVP, Chief Financial Officer

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
09/04/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	09/04/2026		J(1)		47.5549	A	$6.31	3,325.2052	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Shares were purchased within the issuer's Non-Qualified Stock Purchase Plan.

Remarks:

	/s/ Barbara Felts, Attorney-in-fact	09/09/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)