BayFirst Financial director buys 5,096 shares

No Rule 10b5-1 plan is reported for the purchase.

Rhea-AI Filing Summary

BayFirst Financial Corp. director Barbara J. Zipperian acquired 5,096 shares of common stock on October 8, 2026, at $3.50 per share. The purchase was in BayFirst's rights offering pursuant to her rights, as described in a related Form S-1 registration statement. Her reported direct holdings after the transaction were 10,081 shares.

Insider Trade Summary

Other: 5,096 shares

Other 1 txn

Insider Zipperian Barbara J

Role Director

Type	Security	Shares	Price	Value
Other	Common Stock F1	5,096	$3.50	$18K

Holdings After Transaction: Common Stock — 10,081.0998 shares (Direct)

Footnotes (1)

1. F1. Purchase of shares in BayFirst Financial Corp.'s rights offering pursuant to the reporting person's rights, as described in the related Form S-1 Registration Statement (File No. 333-295447).

Key Figures

Shares acquired: 5,096 shares Price per share: $3.50 Direct holdings after transaction: 10,081 shares

3 metrics

Shares acquired 5,096 shares October 8, 2026

Price per share $3.50 Rights offering purchase

Direct holdings after transaction 10,081 shares After the October 8, 2026 transaction

Key Terms

rights offering, Form S-1 Registration Statement, Rule 10b5-1 plan

3 terms

rights offering financial

"BayFirst Financial Corp.'s rights offering"

A rights offering is a way for a company to raise additional money by giving existing shareholders the opportunity to buy more shares at a discounted price before they are offered to the public. It’s similar to a special sale where current owners get the first chance to buy extra items at a lower cost, allowing them to increase their investment if they choose. This process matters to investors because it can affect the value of their holdings and their ability to buy new shares at favorable terms.

Form S-1 Registration Statement regulatory

"related Form S-1 Registration Statement"

A Form S-1 registration statement is a comprehensive disclosure document filed with the U.S. Securities and Exchange Commission when a company intends to sell shares to the public, typically for an initial public offering. It contains detailed financial statements, business description, risk factors, management information and intended use of proceeds, and serves as the official source of truth — like a full inspection report and sales brochure combined — that helps investors judge the company's health, risks and valuation before buying shares.

Rule 10b5-1 plan regulatory

"No Rule 10b5-1 plan is reported"

A Rule 10b5-1 plan is a prearranged, written schedule that lets corporate insiders buy or sell company stock at set times or amounts, even if they later learn material nonpublic information. Think of it like setting an automatic thermostat for trades: it creates a clear record that trades were planned in advance, reducing the risk of insider-trading accusations and helping investors trust that insider transactions are routine rather than based on secret information.

FAQ

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

How many BAFN shares did director Barbara J. Zipperian acquire?

Barbara J. Zipperian acquired 5,096 shares on October 8, 2026, at $3.50 per share; her reported direct holdings afterward were 10,081 shares. No Rule 10b5-1 plan is reported for the transaction.

Was Barbara J. Zipperian's BAFN share acquisition through a rights offering?

Yes. Barbara J. Zipperian's 5,096-share acquisition was a purchase in BayFirst Financial Corp.'s rights offering pursuant to her rights, as described in a related Form S-1 registration statement.

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

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Available on EDGAR 10/13/2026 - 08:06 AM EDT Accepted by SEC EDGAR 10/13/2026 - 08:05 AM EDT 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^*

Zipperian Barbara J

(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)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
10/08/2026

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	10/08/2026		J(1)		5,096	A	$3.5	10,081.0998	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. Purchase of shares in BayFirst Financial Corp.'s rights offering pursuant to the reporting person's rights, as described in the related Form S-1 Registration Statement (File No. 333-295447).

Remarks:

	/s/ Barbara Felts, Attorney-in-fact	10/13/2026
	** 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)