Welcome to our dedicated page for Bayfirst Financial SEC filings (Ticker: BAFN), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
The BayFirst Financial Corp. (BAFN) SEC filings page on Stock Titan provides access to the company’s regulatory disclosures as a registered bank holding company. BayFirst files a variety of reports with the U.S. Securities and Exchange Commission that describe its financial condition, results of operations, risk factors, and significant corporate events.
For BayFirst, Form 10-K annual reports and Form 10-Q quarterly reports are key sources of information on net interest income, noninterest income, noninterest expense, loan and deposit trends, asset quality measures, and capital ratios. These filings also discuss the company’s business model, including its focus on community banking through BayFirst National Bank and its loan segments in real estate, commercial and industrial, and consumer lending.
Form 8-K current reports are especially important for tracking material developments. Recent 8-K filings have covered the company’s strategic review, the discontinuation of the Bolt SBA 7(a) loan program, the decision to exit the SBA 7(a) lending business, and asset purchase agreements and loan sales to Banesco USA. Other 8-Ks address quarterly earnings releases, conference call materials, and a reported cybersecurity incident at a third-party marketing services provider that affected some customer information.
Investors can also use this page to monitor any future proxy statements on executive and board matters, as well as potential Form 4 insider transaction reports, if applicable. Stock Titan enhances these filings with AI-powered summaries that highlight key points from lengthy documents, helping users quickly understand changes in credit quality, capital, strategic direction, and risk disclosures without reading every page in detail.
BayFirst Financial Corp. (BAFN) reported an insider stock purchase by its CEO and director. On 11/13/2025, the reporting person acquired 202.0202 shares of BayFirst common stock at a price of $7.43 per share. The shares were purchased under the company’s Non-Qualified Stock Purchase Plan, indicating they were obtained through a structured company plan rather than open-market trading. Following this transaction, the insider directly beneficially owns 19,205.586 shares of BayFirst common stock.
BayFirst Financial Corp. reported a Q3 2025 net loss of $18.9 million, or $(4.66) per diluted share, driven by a higher credit loss provision, restructuring, and fair value impacts. Net interest income improved to $11.3 million as deposit interest expense fell, but noninterest income turned negative.
The quarter included a $10.9 million provision for credit losses, a $7.3 million restructuring charge, a $5.1 million fair value adjustment on loans held for sale, and a $0.9 million fair value loss on government‑guaranteed loans, while gains on loan sales decreased to $3.1 million. For the nine months, the Company recorded a net loss of $20.5 million.
Balance sheet shifts were notable: the allowance for credit losses rose to $24.5 million and loans held for investment declined to $936.9 million. Deposits were $1.171 billion, and the Company added $50.0 million of FHLB borrowings. Shareholders’ equity decreased to $89.7 million. Cash and equivalents increased to $118.6 million. The Company had 4,110,003 common shares outstanding as of November 5, 2025.
BayFirst Financial Corp. filed an 8-K stating it hosted a conference call to discuss financial results for the quarter ended September 30, 2025. The company furnished the full conference call transcript as Exhibit 99.1, and an archived audio is available in the Investor Relations section of its website.
The information was provided under Item 7.01 (Regulation FD) and is deemed furnished, not filed, under the Exchange Act.
BayFirst Financial Corp. disclosed a third‑party cybersecurity incident affecting its bank subsidiary. A marketing services provider notified BayFirst on August 14, 2025 of an issue and confirmed on October 28, 2025 that some customer data was exposed. The provider investigated, involved cybersecurity experts, and notified law enforcement. Based on current information, unauthorized access included names, dates of birth, and Social Security/tax ID numbers of some customers, and there is no evidence to date of misuse. Impacted customers will be notified directly. The company stated it cannot quantify any material impact at this time.
BayFirst also furnished its third quarter 2025 earnings press release and an investor presentation as exhibits, and noted the materials are available on its website.
BayFirst Financial Corp., parent of BayFirst National Bank, announced it will release its third quarter 2025 results after the market close on Thursday, October 30, 2025. Management will hold a conference call on Friday, October 31, 2025 at 9:00 a.m. ET to discuss the results, with a live audio webcast available under the Investor Relations tab at the company’s website.
Investment professionals can participate in the call by dialing (800) 549-8228 and using Conference ID 85147, and a replay will be accessible on the website for one year. The company furnished a related press release as an exhibit.
BayFirst Financial Corp. agreed to sell approximately $103 million of SBA 7(a) loan balances to Banesco USA at ninety-seven percent of the aggregate unpaid principal balance, plus the book value of related loan servicing rights. BayFirst will exit the SBA 7(a) lending business, and most SBA lending and support staff are expected to be offered positions at Banesco. The transaction is expected to close in the fourth quarter of this year.
BayFirst Financial Corp. (BAFN) reported a second-quarter 2025 net loss of $1.237 million compared with net income of $0.866 million in the year-ago quarter, and a six-month loss of $1.572 million versus six-month income of $1.690 million. Net interest income rose to $12.348 million in the quarter from $9.182 million a year earlier as loan interest increased, but provisions for credit losses jumped to $7.264 million, driven by elevated charge-offs. Loans held for investment grew to $1.035 billion and total assets increased to $1.344 billion. Government-guaranteed loans measured at fair value expanded to $90.687 million and produced sale gains. Deposits edged up to $1.164 billion and the Company drew $40.0 million of FHLB borrowings. Allowance for credit losses increased to $17.041 million and diluted EPS was $(0.39) for the quarter.
Oliver Robin Leigh, identified as a Director and President, COO of BayFirst Financial Corp. (BAFN), reported a purchase of common stock on 08/07/2025 on a Form 4. The filing states the transaction was made within the issuer's Non-Qualified Stock Purchase Plan. The Form 4 shows a transaction price of $11.07 per share and lists 11,496.7249 shares as the amount of securities beneficially owned following the reported transaction, held directly. The filing was signed by attorney-in-fact Barbara Felts on 08/11/2025. The disclosure documents an insider purchase under the company plan and records the updated direct beneficial ownership reported on Form 4.
BayFirst Financial Corp. (BAFN) Form 4 filed for reporting person Tudor Rhonda S, who is identified as SVP, Chief Accounting Officer, discloses an equity purchase on 08/07/2025. The filing states the shares were acquired under the issuer's Non-Qualified Stock Purchase Plan and lists a transaction price of $11.07. The document shows a post-transaction beneficial ownership figure of 1,702.1115 shares and includes the numeric entry 27.1003 associated with the reported line.
The Form is signed by an attorney-in-fact, Barbara Felts, dated 08/11/2025. The filing provides the reporter's city as St. Petersburg, FL, and confirms this is an individual filing by one reporting person.
The company's CEO and director, Thomas Gerard Zernick, reported a purchase of 135.5014 shares of BayFirst Financial Corp. (BAFN) on 08/07/2025 under the issuer's Non-Qualified Stock Purchase Plan at a reported price of $11.07 per share. Following the transaction, his direct beneficial ownership is reported as 19,003.5658 shares.
The filing is a Form 4 disclosure of a non-derivative acquisition executed pursuant to the company's plan and includes an explanatory remark confirming the shares were purchased within the issuer's Non-Qualified Stock Purchase Plan. No derivative transactions or dispositions are reported in this filing.