BayFirst Financial Q1 net loss $0.17 EPS; credit quality deteriorates as NPAs rise to 2.08% of assets

BayFirst Financial Corp.

2025-Q1 EPS reported -$0.17

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.

item 2.02 item 7.01 item 8.01 item 9.01

Machine-readable event card

schema_version: secwatch.filing_event.v1
accession: 0001649739-25-000113
form_type: 8-K
ticker: BAFN
cik: 0001649739
company_name: BayFirst Financial Corp.
filed_at: 2025-04-24T23:59:59+00:00
discovered_at: 2026-05-14T18:02:49.192831+00:00
generated_at: 2026-05-23T07:04:35.449137+00:00
sec_items: ["2.02", "7.01", "8.01", "9.01"]
event_type: earnings
sentiment: negative
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: high
secwatch_canonical_url: https://secwatch.observer/filing/0001649739-25-000113
json_url: https://secwatch.observer/filing/0001649739-25-000113.json
markdown_url: https://secwatch.observer/filing/0001649739-25-000113.md
text_url: https://secwatch.observer/filing/0001649739-25-000113.txt
edgar_index_url: https://www.sec.gov/Archives/edgar/data/1649739/000164973925000113/0001649739-25-000113-index.htm
edgar_primary_document_url: https://www.sec.gov/Archives/edgar/data/1649739/000164973925000113/bafn-20250424.htm
generated_by_model: deepseek-v4-flash:cloud@v2
review_status: machine_generated
human_reviewed: false
corrected: false
correction_note: null
correction_timestamp: null
superseded_by: null

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