---
schema_version: "secwatch.filing_event.v1"
accession: "0001649739-25-000248"
form_type: "8-K"
ticker: "BAFN"
cik: "0001649739"
company_name: "BayFirst Financial Corp."
filed_at: "2025-11-06T23:59:59+00:00"
generated_at: "2026-05-16T23:44:31.268010+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.1
calibrated_materiality_score: 0.1
confidence: "low"
source: SEC EDGAR
---

# BayFirst Financial Q3 2025 earnings call transcript lacks financial results in provided excerpt

## Summary
- 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.

## SEC filing metadata
- accession: 0001649739-25-000248
- form_type: 8-K
- ticker: BAFN
- cik: 0001649739
- company_name: BayFirst Financial Corp.
- filed_at: 2025-11-06T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.1
- calibrated_materiality_score: 0.1
- confidence: low
- sec_items: 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1649739/000164973925000248/0001649739-25-000248-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1649739/000164973925000248/bafn-20251031.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001649739-25-000248
- JSON: https://secwatch.observer/filing/0001649739-25-000248.json
- Plain text: https://secwatch.observer/filing/0001649739-25-000248.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.