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. EVP and CFO Scott Joseph McKim reported several common stock transactions. On February 5, 2026, he acquired 49.8256 shares at $6.021 per share through the company’s Non-Qualified Stock Purchase Plan, bringing his directly held common stock to 3,306.2837 shares.
On January 23, 2026 and February 3, 2026, a total of 164 shares at prices of $6.70 and $6.65 were withheld by the issuer to cover tax obligations related to restricted stock awards, and the filing states these do not represent sales by McKim. He also indirectly holds 79.8819 shares through an ESOP.
BayFirst Financial Corp. President and COO Oliver Robin Leigh, who also serves as a director, reported several transactions in BayFirst common stock. On February 5, 2026, he acquired 49.8256 shares at $6.021 per share through the issuer's Non-Qualified Stock Purchase Plan, bringing his directly held stake to 11,586.9545 shares.
On multiple dates between January 23 and January 27, 2026, the company withheld blocks of 119–134 shares at prices between $6.65 and $6.82 to cover tax obligations related to restricted stock awards, which the filing specifies do not represent sales by Leigh. He also reports 1,071.9677 shares of common stock held indirectly through an ESOP.
BayFirst Financial Corp. furnished an update related to its recent financial communications. The company hosted a conference call on January 29, 2026 to discuss its financial results for the quarter ended December 31, 2025, and is providing the full conference call transcript as an exhibit to this report.
The transcript is included as Exhibit 99.1, and an archived audio version of the call is available in the Investor Relations section of the company’s website. The information in this report and its exhibits is being furnished under Regulation FD and is not deemed filed for liability purposes under the federal securities laws.
BayFirst Financial Corp. filed a current report noting that it issued a press release on January 29, 2026 announcing its financial results for the fourth quarter of 2025, which is furnished as Exhibit 99.1. The company also prepared a fourth quarter 2025 Conference Call & Webcast Presentation, furnished as Exhibit 99.2, to be used on a previously announced conference call scheduled for January 30, 2026 at 9:00 a.m. Eastern Time and in future investor communications. The information, including the exhibits, is being furnished rather than filed and is not automatically incorporated into other SEC documents.
BayFirst Financial Corp. entered into an amendment with holders of its $6.0 million 4.5% Fixed to Floating Subordinated Notes due June 30, 2031. Effective December 26, 2025, instead of paying cash interest, the company will increase the Notes’ principal by the interest due through June 30, 2026, effectively adding unpaid interest to the loan balance. If all amounts on the Notes are not paid by June 30, 2026, the company may either pay holders 3% of the outstanding principal or increase the principal by 3%.
Separately, on December 30, 2025, First National Bankers Bank allowed BayFirst to defer the quarterly interest payment that was due December 10, 2025 on a term loan until March 10, 2026. As of December 31, 2025, the term loan principal was $1.6 million at an interest rate of 6.75%.
BayFirst Financial Corp. reported that it has closed the sale of $94.6 million of SBA 7(a) loans to Banesco USA, effective December 12, 2025. As part of this transaction, BayFirst exited the SBA 7(a) lending business early in the fourth quarter of 2025.
Banesco USA will assume servicing of BayFirst’s remaining SBA 7(a) loans, meaning Banesco will handle ongoing payments and administration for those loans going forward. BayFirst disclosed this change in a public announcement dated December 15, 2025.
BayFirst Financial Corp. (BAFN) reported an insider equity transaction by its SVP and Chief Accounting Officer, Rhonda Tudor, on a Form 4. On 10/24/2025, 228 shares of BayFirst common stock were disposed of at $9.41 per share, coded as transaction type “F”, which indicates shares withheld to cover taxes on equity compensation.
The filing explains that these shares were withheld by the company to satisfy tax withholding and remittance obligations related to the net settlement of restricted stock awards, and that this does not represent a sale by the insider. After this transaction, Tudor beneficially owns 1,514.5155 shares of BayFirst common stock directly.
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.