BayFirst (BAFN) SVP, Chief Accounting Officer acquires shares in company plan

Rhea-AI Filing Summary

BayFirst Financial Corp. insider stock purchase reported. SVP and Chief Accounting Officer Rhonda S. Tudor acquired 16.6085 shares of BayFirst Financial Corp. common stock on February 5, 2026 at a price of $6.021 per share. The purchase was made within the issuer's Non-Qualified Stock Purchase Plan.

After this transaction, Tudor beneficially owned 1,531.124 shares of common stock directly and 257.4446 shares indirectly through an ESOP, reflecting both personal and plan-related holdings in the company.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider Tudor Rhonda S

Role SVP, Chief Accounting Officer

Type	Security	Shares	Price	Value
Other	Common Stock	16.609	$6.021	$100.00
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 1,531.124 shares (Direct); Common Stock — 257.445 shares (Indirect, By ESOP)

Footnotes (1)

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Form 4 Insider Transactions: What Each Field Means →

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^*

Tudor Rhonda S

(Last) (First) (Middle)

700 CENTRAL AVE.

(Street)

ST. PETERSBURG FL 33701

(City) (State) (Zip)

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)
	SVP, Chief Accounting Officer

3. Date of Earliest Transaction (Month/Day/Year)
02/05/2026

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

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

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

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	02/05/2026		J(1)		16.6085	A	$6.021	1,531.124	D
Common Stock								257.4446	I	By ESOP

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	02/06/2026
	** 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.

FAQ

What insider transaction did BayFirst Financial Corp. (BAFN) report on February 5, 2026?

BayFirst Financial Corp. reported that SVP and Chief Accounting Officer Rhonda S. Tudor acquired 16.6085 shares of common stock on February 5, 2026 at $6.021 per share under the issuer's Non-Qualified Stock Purchase Plan, increasing her directly held shares to 1,531.124.

Who is the reporting person in BayFirst Financial Corp. (BAFN) latest Form 4 filing?

The reporting person is Rhonda S. Tudor, who serves as Senior Vice President and Chief Accounting Officer of BayFirst Financial Corp. She filed the Form 4 as a single reporting person, reflecting changes in her beneficial ownership of the company’s common stock.

How many BayFirst Financial Corp. (BAFN) shares does Rhonda S. Tudor own after the reported transaction?

After the reported transaction, Rhonda S. Tudor beneficially owns 1,531.124 shares of BayFirst Financial Corp. common stock directly and 257.4446 shares indirectly through an ESOP. These figures represent her reported holdings following the February 5, 2026 acquisition.

What does the transaction code J mean in the BayFirst Financial Corp. (BAFN) Form 4?

In this Form 4, transaction code J is explained by a footnote stating that the shares were purchased within the issuer's Non-Qualified Stock Purchase Plan. This indicates the acquisition occurred through a specific company stock purchase program rather than an open-market trade.

What indirect holdings in BayFirst Financial Corp. (BAFN) does Rhonda S. Tudor report?

Rhonda S. Tudor reports indirect beneficial ownership of 257.4446 shares of BayFirst Financial Corp. common stock. These shares are held "By ESOP," indicating they are maintained for her benefit through an employee stock ownership plan associated with the company.

Is the BayFirst Financial Corp. (BAFN) Form 4 filed by more than one reporting person?

No, the Form 4 is filed by one reporting person, Rhonda S. Tudor. The filing explicitly checks the line indicating it is a single-reporting-person filing, not a joint or group filing with additional insiders or related parties.