{"filings":[{"id":565716,"accession_number":"0001649739-26-000032","cik":1649739,"company_name":"BayFirst Financial Corp.","ticker":"BAFN","form_type":"8-K","filed_at":"2026-05-21T13:28:50+00:00","items":["5.02","9.01"],"status":"ready","headline":"BayFirst Financial appoints Alfred Rogers as CEO, President, and board member effective May 14, 2026","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Federal Reserve Bank of Atlanta provided non-objection for Alfred T. Rogers Jr. to serve as CEO and President.","Mr. Rogers, 61, has over 35 years of banking experience including CEO of Manufacturers Bank and EVP at Valley National Bank.","He previously led USAmeriBank to $4.6B in assets; appointment follows prior disclosure of his assumption of roles."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":25914569.52418715,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":94387,"accession_number":"0001649739-26-000025","cik":1649739,"company_name":"BayFirst Financial Corp.","ticker":"BAFN","form_type":"8-K","filed_at":"2026-05-05T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"BayFirst raises $80M via convertible PIPE; appoints new CEO Al Rogers","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["$80M PIPE of convertible preferred stock; converts to ~22.9M common shares at $3.50 per share.","Rights offering for existing shareholders; special shareholder meeting set for July 14, 2026.","Al Rogers appointed CEO of BayFirst National Bank (regulatory approvals obtained).","Kenneth R. Lehman appointed to boards of holding company and bank, subject to non-objection.","Board will resume preferred dividends and redeem Series A shares."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":25914569.52418715,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":94386,"accession_number":"0001649739-26-000020","cik":1649739,"company_name":"BayFirst Financial Corp.","ticker":"BAFN","form_type":"8-K","filed_at":"2026-04-30T23:59:59+00:00","items":["1.01","3.02","5.03","2.02","5.02","7.01","8.01","9.01"],"status":"ready","headline":"BayFirst raises $80M in PIPE, reports Q1 loss of $5.7M, names new bank CEO","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Raised $80M via convertible preferred stock PIPE; initial conversion price of $3.50 per common share.","Q1 2026 net loss of $5.7M ($1.48 per diluted share) vs. Q4 2025 loss of $2.5M ($0.69).","Alfred T. Rogers appointed President and CEO of BayFirst National Bank; Thomas Zernick retired.","Filed S-1 for public offering of up to 4.1M common shares at $3.50 to existing shareholders as of May 12, 2026.","Net interest margin fell 35 bps YoY to 3.42%; loans held for investment down 14.2% YoY."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":25914569.52418715,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":106734,"accession_number":"0001649739-26-000016","cik":1649739,"company_name":"BayFirst Financial Corp.","ticker":"BAFN","form_type":"8-K","filed_at":"2026-03-31T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"BayFirst Financial schedules Q1 2026 earnings release and conference call","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Results will be reported after market close on April 30, 2026.","Conference call to be held May 1, 2026 at 9:00 a.m. ET.","Dial-in number: (800) 549-8228, Conference ID 37957; webcast on company website.","Replay available for one year on BayFirst's Investor Relations webpage."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.05,"calibrated_materiality_score":0.05,"market_cap_usd":25914569.52418715,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":106733,"accession_number":"0001649739-26-000011","cik":1649739,"company_name":"BayFirst Financial Corp.","ticker":"BAFN","form_type":"8-K","filed_at":"2026-02-13T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"BayFirst eliminates CAO position; Rhonda S. Tudor departs effective Feb 13, 2026","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Company eliminated Chief Accounting Officer role; Rhonda S. Tudor no longer employed as of Feb 13, 2026.","Scott J. McKim, EVP and CFO, will serve as principal accounting officer going forward.","Position eliminated as part of a company-wide reduction."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":25914569.52418715,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":106732,"accession_number":"0001649739-26-000008","cik":1649739,"company_name":"BayFirst Financial Corp.","ticker":"BAFN","form_type":"8-K","filed_at":"2026-02-03T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"BayFirst Financial discusses Q4 2025 results; filing transcript incomplete with no specific financial data","summary_kind":"llm","event_type":"earnings","confidence":"low","bullets":["Conference call held Jan 29, 2026 to review Q4 2025 financial results.","The attached transcript is truncated in the filing; no EPS, revenue, or segment data are extractable.","Management included CEO Tom Zernick, President Robin Oliver, CFO Scott McKim.","Full transcript and archived call available on BayFirst's investor relations website."],"consensus_eps_estimate":null,"consensus_eps_actual":-5.93,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":25914569.52418715,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":106731,"accession_number":"0001649739-26-000005","cik":1649739,"company_name":"BayFirst Financial Corp.","ticker":"BAFN","form_type":"8-K","filed_at":"2026-01-29T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"BayFirst Q4 net loss $2.5M; capital ratios improve after $96.6M SBA loan sale","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss of $2.5M ($0.69 per share) vs $18.9M loss in Q3 2025 and $9.8M income in Q4 2024.","Completed sale of $96.6M SBA 7(a) loans to Banesco USA; exited SBA 7(a) lending business.","Deposits grew $12.5M (1.1%) to $1.18B; net interest margin stable at 3.58%.","CET1 risk-weighted capital ratio improved to 9.05% from 8.44% in Q3 2025; bank well-capitalized.","Headcount reduced from 299 (Dec 2024) to 144 (Dec 2025) as part of restructuring."],"consensus_eps_estimate":null,"consensus_eps_actual":-5.93,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":25914569.52418715,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":106730,"accession_number":"0001649739-26-000003","cik":1649739,"company_name":"BayFirst Financial Corp.","ticker":"BAFN","form_type":"8-K","filed_at":"2026-01-06T23:59:59+00:00","items":["1.01","9.01"],"status":"ready","headline":"BayFirst defers interest on $6M subnotes via PIK; defers $1.6M loan payment","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Amended $6M 4.5% subnotes due 2031: interest payments converted to PIK through June 30, 2026, increasing principal.","If not paid by June 30, 2026, Company may pay 3% of principal or add 3% to principal as penalty.","Deferred $1.6M term loan payment (6.75%) due Dec 10, 2025 to March 10, 2026.","Both amendments indicate near-term cash conservation steps; no new capital raised."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":25914569.52418715,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":123049,"accession_number":"0001649739-25-000261","cik":1649739,"company_name":"BayFirst Financial Corp.","ticker":"BAFN","form_type":"8-K","filed_at":"2025-12-31T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"BayFirst schedules Q4 2025 earnings release for Jan 29, 2026; call Jan 30","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Earnings release due after market close on Thursday, January 29, 2026.","Conference call set for Friday, January 30, 2026, at 9:00 a.m. ET.","Dial-in: (800) 549-8228, Conference ID 15602; webcast via Investor Relations page.","Replay will be available for one year at www.bayfirstfinancial.com."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":25914569.52418715,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":123048,"accession_number":"0001649739-25-000259","cik":1649739,"company_name":"BayFirst Financial Corp.","ticker":"BAFN","form_type":"8-K","filed_at":"2025-12-15T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"BayFirst closes $94.6M SBA loan sale to Banesco USA; capital ratios improve","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Sold $94.6M of SBA 7(a) loans to Banesco USA; additional $4.5M sale expected before year-end.","Exited SBA 7(a) lending business; Banesco USA assumed servicing of remaining loans.","Proforma total capital ratio improves to 10.1%; Tier 1 leverage ratio improves to 6.8%.","Transaction part of strategic review to de-risk SBA 7(a) balances and enhance shareholder value."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":25914569.52418715,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":123047,"accession_number":"0001649739-25-000248","cik":1649739,"company_name":"BayFirst Financial Corp.","ticker":"BAFN","form_type":"8-K","filed_at":"2025-11-06T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"BayFirst Financial Q3 2025 earnings call transcript lacks financial results in provided excerpt","summary_kind":"llm","event_type":"earnings","confidence":"low","bullets":["Conference call held October 31, 2025, with CEO Tom Zernick, President Robin Oliver, and CFO Scott McKim.","Transcript filed as Exhibit 99.1 but only contains opening remarks; no specific earnings figures or guidance available.","Investors should refer to the full transcript on the company's IR website for complete Q3 2025 results."],"consensus_eps_estimate":null,"consensus_eps_actual":-5.23,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":25914569.52418715,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":123046,"accession_number":"0001649739-25-000246","cik":1649739,"company_name":"BayFirst Financial Corp.","ticker":"BAFN","form_type":"8-K","filed_at":"2025-10-30T23:59:59+00:00","items":["1.05","2.02","7.01","9.01"],"status":"ready","headline":"BayFirst reports $18.9M Q3 loss, exits SBA 7(a) lending; customer data exposed in cyber incident","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Net loss of $18.9M ($4.66 EPS) vs net loss of $1.2M in Q2 2025; includes $12.4M in one-time charges.","Exiting SBA 7(a) lending; definitive agreement to sell loans to Banesco USA at 97% of balances; close expected Q4 2025.","Provision for credit losses $10.9M; ACL ratio increased to 2.61% of loans held for investment from 1.65%.","Book value per share fell to $17.90 from $22.30; Tier 1 leverage ratio declined to 6.64% from 8.11%.","Third-party marketing provider exposed customer names, DOBs, and SSNs; no evidence of misuse to date."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":25914569.52418715,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":139747,"accession_number":"0001649739-25-000243","cik":1649739,"company_name":"BayFirst Financial Corp.","ticker":"BAFN","form_type":"8-K","filed_at":"2025-09-30T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"BayFirst announces Q3 2025 earnings call date for Oct 31, 2025","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Third quarter results to be released after market close on Thursday, October 30, 2025.","Conference call scheduled for Friday, October 31, 2025, at 9:00 a.m. ET.","No financial results or guidance included in this filing.","Replay will be available for one year on company website."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":25914569.52418715,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":139746,"accession_number":"0001649739-25-000241","cik":1649739,"company_name":"BayFirst Financial Corp.","ticker":"BAFN","form_type":"8-K","filed_at":"2025-09-29T23:59:59+00:00","items":["1.01","8.01","9.01"],"status":"ready","headline":"BayFirst to sell $103M in SBA 7(a) loans to Banesco USA; exits SBA lending business","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Sells ~$103M SBA 7(a) loan balances at 97% of unpaid principal, plus book value of servicing rights.","BayFirst will exit SBA 7(a) lending; majority of SBA staff offered positions at Banesco USA.","Transaction expected to close in Q4 2025; Banesco USA will service both purchased and retained SBA loans.","CEO says sale derisks balance sheet and supports community bank growth, deposit growth, and fee income."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":25914569.52418715,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":139745,"accession_number":"0001649739-25-000232","cik":1649739,"company_name":"BayFirst Financial Corp.","ticker":"BAFN","form_type":"8-K","filed_at":"2025-08-04T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"BayFirst discontinues Bolt SBA 7(a) loan program, cuts 51 jobs, suspends dividend","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Bolt loan program (SBA 7(a) working capital) discontinued effective immediately as part of strategic review.","51 positions eliminated (26 Bolt, 25 other areas), saving $6M annually; 17% of workforce.","Q2 2025 charge-offs and fair value write-downs on high-risk SBA 7(a) loans recorded; Q3 restructuring charge expected.","Dividend payments suspended and directors forgo board fees to offset impacts.","Company seeks to sell Bolt loan balances and origination platform to an unaffiliated third party."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":25914569.52418715,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":139744,"accession_number":"0001649739-25-000228","cik":1649739,"company_name":"BayFirst Financial Corp.","ticker":"BAFN","form_type":"8-K","filed_at":"2025-08-01T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"BayFirst Financial hosts Q2 2025 earnings conference call","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["BayFirst Financial (BAFN) held a conference call on July 30, 2025 to discuss Q2 2025 financial results.","Presenters included CEO Tom Zernick, CFO Scott McKim, and President Robin Oliver.","Transcript of the call was filed as Exhibit 99.1 in the 8-K.","Analysts from Pendragon Capital, Sycamore Analytics, and RLH Investments attended.","The call covered results for the quarter ended June 30, 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.57,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":25914569.52418715,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":139743,"accession_number":"0001649739-25-000225","cik":1649739,"company_name":"BayFirst Financial Corp.","ticker":"BAFN","form_type":"8-K","filed_at":"2025-07-29T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"BayFirst Financial posts Q2 net loss of $1.2M; suspends dividends; strategic review ongoing","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss of $1.2M ($0.39/share) vs. loss of $0.3M in Q1 2025 and income of $0.9M in Q2 2024.","Board suspends common and preferred stock dividends; also suspends board of director fees to offset impact.","Provision for credit losses rose to $7.3M (from $4.4M Q1 and $3.0M Q2 2024); net charge-offs $6.8M (2.60% annualized).","Net interest margin improved 29bps to 4.06% QoQ; community bank loans grew 3% during the quarter.","Strategic review initiated to derisk unguaranteed SBA 7(a) balances; additional info expected in coming weeks."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.57,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":25914569.52418715,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":157310,"accession_number":"0001649739-25-000213","cik":1649739,"company_name":"BayFirst Financial Corp.","ticker":"BAFN","form_type":"8-K","filed_at":"2025-06-30T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"BayFirst Financial schedules Q2 2025 earnings release for July 29 and conference call July 30","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Second-quarter results will be issued after market close on Tuesday, July 29, 2025.","Conference call set for Wednesday, July 30, 2025 at 9:00 a.m. ET; dial-in (800) 549-8228, ID 29222.","Webcast and replay available at www.bayfirstfinancial.com under Investor Relations for one year."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.05,"calibrated_materiality_score":0.05,"market_cap_usd":25914569.52418715,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":157309,"accession_number":"0001649739-25-000134","cik":1649739,"company_name":"BayFirst Financial Corp.","ticker":"BAFN","form_type":"8-K","filed_at":"2025-05-19T23:59:59+00:00","items":["5.07","9.01"],"status":"ready","headline":"BayFirst Financial elects 12 directors at May 15 annual meeting","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["All 12 nominees received between 2.32M and 2.38M votes for each; 62.2% of 4,129,027 shares voted.","Proposal to adjourn meeting was not needed; meeting concluded without consideration.","Directors elected include Derek S. Berset, Mark S. Berset, Dennis R. DeLoach III, Alexander Harris, and others.","Broker non-votes and abstentions totaled 1.56M and ~0.2M respectively for each nominee."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":25914569.52418715,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":157308,"accession_number":"0001649739-25-000131","cik":1649739,"company_name":"BayFirst Financial Corp.","ticker":"BAFN","form_type":"8-K","filed_at":"2025-05-16T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"BayFirst holds 2025 annual meeting; slides furnished but no material new disclosures","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Annual Meeting of Shareholders held on May 15, 2025; presentation slides attached as Exhibit 99.1.","Filing includes no new financial results, guidance, or strategic updates beyond routine meeting materials.","Exhibit 99.1 text was not provided in the filing, so no specific numbers or events can be extracted."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":25914569.52418715,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":157307,"accession_number":"0001649739-25-000115","cik":1649739,"company_name":"BayFirst Financial Corp.","ticker":"BAFN","form_type":"8-K","filed_at":"2025-04-29T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"BayFirst Financial holds Q1 2025 earnings call; results not disclosed in filing excerpt","summary_kind":"llm","event_type":"earnings","confidence":"low","bullets":["Company hosted conference call on April 25, 2025 to discuss Q1 2025 financial results.","Exhibit 99.1 contains conference call transcript; only introductory remarks provided in filing.","No specific financial figures (EPS, revenue, net income) are available from the excerpt.","Archived call available on BayFirst's investor relations website.","Ticker BAFN trades on Nasdaq; company is an emerging growth company."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.17,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":25914569.52418715,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":157306,"accession_number":"0001649739-25-000113","cik":1649739,"company_name":"BayFirst Financial Corp.","ticker":"BAFN","form_type":"8-K","filed_at":"2025-04-24T23:59:59+00:00","items":["2.02","7.01","8.01","9.01"],"status":"ready","headline":"BayFirst Financial Q1 net loss $0.17 EPS; credit quality deteriorates as NPAs rise to 2.08% of assets","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss of $0.3M ($0.17 per share) vs net income of $9.8M in Q4 2024, driven by elevated provision and charge-offs.","Net interest margin expanded 17 bps sequentially to 3.77%; community bank loans grew 4% during the quarter.","Nonperforming assets increased to 2.08% of total assets (1.22% excl. gov't guaranteed) from 1.50% at YE 2024.","Provision for credit losses $4.4M, net charge-offs $3.3M; Tier 1 leverage ratio fell to 8.56% from 8.82%.","Declared $0.08 quarterly dividend payable June 15; share repurchase program of up to $2M with $335K repurchased."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.17,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":25914569.52418715,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":175689,"accession_number":"0001649739-25-000108","cik":1649739,"company_name":"BayFirst Financial Corp.","ticker":"BAFN","form_type":"8-K","filed_at":"2025-03-31T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"BayFirst schedules Q1 2025 earnings release for April 24; call April 25","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Results to be reported after market close on Thursday, April 24, 2025.","Conference call at 9:00 a.m. ET on Friday, April 25, 2025.","Dial-in: (800) 549-8228, Conference ID 90275; webcast via investor relations page.","Replay available on company website for one year."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":25914569.52418715,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":175688,"accession_number":"0001649739-25-000005","cik":1649739,"company_name":"BayFirst Financial Corp.","ticker":"BAFN","form_type":"8-K","filed_at":"2025-02-04T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"BayFirst Financial hosts Q4 2024 earnings call; 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NIM expands 26bps","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $9.8M vs Q3 $1.1M; diluted EPS $2.11 vs $0.18; full-year net income $12.6M ($2.62 diluted EPS) vs $5.7M ($1.12) in 2023.","Net interest margin increased 26 bps to 3.60% from 3.34% in Q3.","Pre-tax gain of $11.6M from sale-leaseback of two branch offices; loans held for investment up 2.3% to $1.07B.","Board authorized up to $2M share repurchase program through Dec 31, 2025; quarterly dividend $0.08/share.","Government guaranteed loan originations totaled $107.8M in Q4; 495 Bolt loans ($64.8M) originated."],"consensus_eps_estimate":null,"consensus_eps_actual":2.62,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":25914569.52418715,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":192636,"accession_number":"0001649739-24-000317","cik":1649739,"company_name":"BayFirst Financial Corp.","ticker":"BAFN","form_type":"8-K","filed_at":"2024-12-31T23:59:59+00:00","items":["1.01","9.01"],"status":"ready","headline":"BayFirst Financial closes $15M sale-leaseback of two branch properties","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Sold Seminole and Countryside branch office properties for aggregate cash of $15.0M.","Entered into 15-year Master Lease with annual rent of approx. $1.24M for both properties.","Transaction closed on Dec 31, 2024, with Mountainseed Real Estate Services as buyer."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":25914569.52418715,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":192635,"accession_number":"0001649739-24-000313","cik":1649739,"company_name":"BayFirst Financial Corp.","ticker":"BAFN","form_type":"8-K","filed_at":"2024-12-31T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"BayFirst Financial schedules Q4 2024 earnings release for Jan 30, 2025","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Reports Q4 results after market close on Thursday, January 30, 2025.","Management to host conference call on Friday, January 31, 2025 at 9:00 a.m. ET.","Conference call dial-in: (800) 549-8228, Conference ID 71006.","Replay available for one year at www.bayfirstfinancial.com."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":25914569.52418715,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":192634,"accession_number":"0001649739-24-000265","cik":1649739,"company_name":"BayFirst Financial Corp.","ticker":"BAFN","form_type":"8-K","filed_at":"2024-10-28T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"BayFirst hosts Q3 2024 earnings call; transcript filed but no financial details in excerpt","summary_kind":"llm","event_type":"earnings","confidence":"low","bullets":["Filed conference call transcript as Exhibit 99.1; only introductory remarks included in filing.","No specific financial results, guidance, or earnings per share provided in the available text.","Investors must refer to the full archived call or separate earnings release for actual figures."],"consensus_eps_estimate":null,"consensus_eps_actual":0.4,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":25914569.52418715,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":192633,"accession_number":"0001649739-24-000263","cik":1649739,"company_name":"BayFirst Financial Corp.","ticker":"BAFN","form_type":"8-K","filed_at":"2024-10-24T23:59:59+00:00","items":["2.02","7.01","8.01","9.01"],"status":"ready","headline":"BayFirst Q3 net income rises 31% sequentially to $1.1M; declares $0.08 dividend","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $1.1M ($0.18 diluted EPS) up 31.3% from Q2 2024; down from $1.9M in Q3 2023.","Net interest margin 3.34%, down 9 bps QoQ; excluding one-time USDA premium it would have been flat.","Government guaranteed loan originations $94.4M, down from $98.7M QoQ and $155.9M YoY.","Deposits increased 6.7% QoQ and 9.3% YoY to $1.11B; loans held for investment $1.04B (+3.4% QoQ).","Board declared $0.08/share quarterly dividend, payable Dec 15, 2024 to holders of record Dec 1."],"consensus_eps_estimate":null,"consensus_eps_actual":0.4,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":25914569.52418715,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":209084,"accession_number":"0001649739-24-000259","cik":1649739,"company_name":"BayFirst Financial Corp.","ticker":"BAFN","form_type":"8-K","filed_at":"2024-09-30T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Director Tarek Helal resigns from BayFirst Financial boards to avoid conflict with new Raymond James role","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Tarek Helal resigned from boards of BayFirst Financial Corp. and BayFirst National Bank on Sept 30, 2024.","Resignation is not due to any disagreement; Helal will take a new position at Raymond James Financial.","Mr. Helal stepped down to avoid potential appearance of conflict of interest from his new role.","No successor named; board size reduced accordingly."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":25914569.52418715,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":209083,"accession_number":"0001649739-24-000256","cik":1649739,"company_name":"BayFirst Financial Corp.","ticker":"BAFN","form_type":"8-K","filed_at":"2024-09-30T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"BayFirst schedules Q3 2024 earnings release and conference call for Oct 24-25","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Q3 2024 results to be reported after market close on Thursday, October 24, 2024.","Conference call to discuss results on Friday, October 25, 2024 at 9:00 a.m. ET.","Dial-in for investment professionals: (800) 549-8228, Conference ID 30458.","Live webcast available under Investor Relations at www.bayfirstfinancial.com.","Replay of call will be available for one year on the company website."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.0,"calibrated_materiality_score":0.0,"market_cap_usd":25914569.52418715,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":209082,"accession_number":"0001649739-24-000196","cik":1649739,"company_name":"BayFirst Financial Corp.","ticker":"BAFN","form_type":"8-K","filed_at":"2024-07-29T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"BayFirst Q2 2024 call transcript furnished; no financial figures in filed excerpt","summary_kind":"llm","event_type":"earnings","confidence":"low","bullets":["Company hosted Q2 earnings call on July 26, 2024; transcript provided as Exhibit 99.1.","Transcript snippet in filing includes welcome remarks but no reported financial results.","CEO absent due to family emergency; call led by President Robin Oliver and CFO Scott McKim.","Archived call available on company website; no additional financial data filed."],"consensus_eps_estimate":null,"consensus_eps_actual":0.22,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":25914569.52418715,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":209081,"accession_number":"0001649739-24-000194","cik":1649739,"company_name":"BayFirst Financial Corp.","ticker":"BAFN","form_type":"8-K","filed_at":"2024-07-25T23:59:59+00:00","items":["2.02","7.01","8.01","9.01"],"status":"ready","headline":"BayFirst Q2 net income rises to $0.9M; expenses down, credit costs improve","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $0.9M ($0.12 diluted EPS) vs Q1 $0.8M ($0.11); down from Q2 2023 $1.4M.","Government guaranteed loan originations $98.7M, down 24.4% from Q1; gain on sale fell $2.5M.","Noninterest expense decreased $1.2M from Q1 to $16.6M via headcount cuts and vendor savings.","Net charge-offs $3.3M (annualized 1.45%) vs Q1 $3.7M (1.71%); provision $3.0M vs $4.1M.","Declared $0.08 quarterly dividend payable Sept 15, 2024 to holders of record Sept 1."],"consensus_eps_estimate":null,"consensus_eps_actual":0.22,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":25914569.52418715,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":226931,"accession_number":"0001649739-24-000192","cik":1649739,"company_name":"BayFirst Financial Corp.","ticker":"BAFN","form_type":"8-K","filed_at":"2024-06-28T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"BayFirst Financial sets Q2 2024 earnings release for July 25, call July 26","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Q2 2024 results to be released after market close on Thursday, July 25, 2024.","Conference call scheduled for Friday, July 26, 2024 at 9:00 a.m. ET; dial-in (800) 549-8228, ID 63886.","Live webcast and replay available under Investor Relations at www.bayfirstfinancial.com."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":25914569.52418715,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":226930,"accession_number":"0001649739-24-000142","cik":1649739,"company_name":"BayFirst Financial Corp.","ticker":"BAFN","form_type":"8-K","filed_at":"2024-05-17T23:59:59+00:00","items":["5.07","9.01"],"status":"ready","headline":"BayFirst Financial shareholders elect 12 directors at May 16 annual meeting","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["All 12 director nominees elected with votes ranging from 2,132,972 to 2,166,114; broker non-votes of 1,750,754.","Adjournment proposal not required; meeting concluded without adjournment.","Approximately 57.7% of outstanding shares (2,384,160 of 4,134,914) represented at meeting."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":25914569.52418715,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":226929,"accession_number":"0001649739-24-000140","cik":1649739,"company_name":"BayFirst Financial Corp.","ticker":"BAFN","form_type":"8-K","filed_at":"2024-05-16T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"BayFirst holds annual meeting; all director nominees elected with 89% votes","summary_kind":"llm","event_type":"other","confidence":"medium","bullets":["Meeting held May 16, 2024; 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