BayFirst Q4 net income jumps to $9.8M ($2.11 EPS) on sale-leaseback gain; NIM expands 26bps

BayFirst Financial Corp.

2024-FY EPS reported $2.62

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.

item 2.02 item 7.01 item 8.01 item 9.01

Machine-readable event card

schema_version: secwatch.filing_event.v1
accession: 0001649739-25-000002
form_type: 8-K
ticker: BAFN
cik: 0001649739
company_name: BayFirst Financial Corp.
filed_at: 2025-01-30T23:59:59+00:00
discovered_at: 2026-05-14T18:03:04.304585+00:00
generated_at: 2026-05-27T05:32:53.604138+00:00
sec_items: ["2.02", "7.01", "8.01", "9.01"]
event_type: earnings
sentiment: positive
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: high
secwatch_canonical_url: https://secwatch.observer/filing/0001649739-25-000002
json_url: https://secwatch.observer/filing/0001649739-25-000002.json
markdown_url: https://secwatch.observer/filing/0001649739-25-000002.md
text_url: https://secwatch.observer/filing/0001649739-25-000002.txt
edgar_index_url: https://www.sec.gov/Archives/edgar/data/1649739/000164973925000002/0001649739-25-000002-index.htm
edgar_primary_document_url: https://www.sec.gov/Archives/edgar/data/1649739/000164973925000002/bafn-20250130.htm
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