BayFirst Q2 net income rises to $0.9M; expenses down, credit costs improve

BayFirst Financial Corp.

2024-Q2 EPS reported $0.22

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.

item 2.02 item 7.01 item 8.01 item 9.01

Machine-readable event card

schema_version: secwatch.filing_event.v1
accession: 0001649739-24-000194
form_type: 8-K
ticker: BAFN
cik: 0001649739
company_name: BayFirst Financial Corp.
filed_at: 2024-07-25T23:59:59+00:00
discovered_at: 2026-05-14T18:03:13.955483+00:00
generated_at: 2026-05-31T16:18:52.224221+00:00
sec_items: ["2.02", "7.01", "8.01", "9.01"]
event_type: earnings
sentiment: neutral
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: high
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json_url: https://secwatch.observer/filing/0001649739-24-000194.json
markdown_url: https://secwatch.observer/filing/0001649739-24-000194.md
text_url: https://secwatch.observer/filing/0001649739-24-000194.txt
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edgar_primary_document_url: https://www.sec.gov/Archives/edgar/data/1649739/000164973924000194/bafn-20240725.htm
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