BayFirst Financial CFO buys 2,206 shares at $3.50

The CFO's directly held common-stock position was 5,531 shares after the rights-offering purchase.

Rhea-AI Filing Summary

BayFirst Financial Corp. EVP, Chief Financial Officer Scott Joseph McKim acquired 2,206 shares of common stock on October 8, 2026, by purchasing shares in the company’s rights offering pursuant to his rights. The purchase price was $3.50 per share. McKim directly held 5,531 shares following the transaction. No Rule 10b5-1 plan is reported.

Insider Trade Summary

Other: 2,206 shares

Other 1 txn

Insider McKim Scott Joseph

Role EVP, Chief Financial Officer

Type	Security	Shares	Price	Value
Other	Common Stock F1	2,206	$3.50	$8K

Holdings After Transaction: Common Stock — 5,531.2052 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: 2,206 shares Purchase price: $3.50 per share Direct shares following transaction: 5,531 shares

3 metrics

Shares acquired 2,206 shares October 8, 2026

Purchase price $3.50 per share October 8, 2026

Direct shares following transaction 5,531 shares Following the October 8, 2026 transaction

Key Terms

rights offering

1 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.

FAQ

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

How many shares did BayFirst Financial CFO Scott Joseph McKim acquire, and at what price?

Scott Joseph McKim acquired 2,206 common shares at $3.50 per share on October 8, 2026. The purchase was made through BayFirst Financial Corp.’s rights offering pursuant to his rights; his directly held position afterward was 5,531 shares.

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^*

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)
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)		2,206	A	$3.5	5,531.2052	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. 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)