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.
BayFirst Financial Corp. filings document the regulatory record for a Florida bank holding company and its BayFirst National Bank subsidiary. Disclosures cover operating and financial results, Regulation FD presentations and conference-call materials, capital ratios, credit quality, loan portfolio restructuring and the company's completed exit from SBA 7(a) lending.
Material-event filings also record capital-structure actions, including unregistered preferred stock sales, conversion or exchange terms, debt amendments and uses of financing proceeds for bank capital. Governance disclosures include officer responsibility changes, board-related rights, shareholder voting matters and registration-statement information for securities offerings.
BayFirst Financial Corp. (BAFN) executive vice president and chief financial officer reported a small open-market-style acquisition of company stock. On 11/13/2025, the officer acquired 40.404 shares of common stock at a price of $7.43 per share under the issuer's Non-Qualified Stock Purchase Plan. Following this transaction, the reporting person beneficially owned 3,256.4581 shares of BayFirst common stock, held directly.
BayFirst Financial Corp. insider trade disclosure: Senior vice president and chief accounting officer Rhonda Tudor reported buying 40.404 shares of BayFirst Financial Corp. common stock on 11/13/2025 under the issuer's Non-Qualified Stock Purchase Plan. The shares were acquired at a price of $7.43 per share. Following this transaction, Tudor beneficially owns a total of 1,742.5155 shares of BayFirst Financial common stock in direct ownership. This filing is a routine Form 4 reporting an officer's equity purchase rather than a company-level financing or strategic transaction.
BayFirst Financial Corp. (BAFN) reported a small insider purchase by a director who also serves as President and COO. On 11/13/2025, the insider acquired 40.404 shares of common stock at $7.43 per share, through the issuer's Non-Qualified Stock Purchase Plan. Following this transaction, the insider beneficially owned 11,537.1289 shares of BayFirst common stock, held directly. This filing is a routine disclosure of insider activity rather than a corporate action affecting all shareholders.
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.