8-K
filed January 29, 2026, 6:59 PM ET
ticker BAFN
CIK 0001649739
earnings
confidence high
sentiment negative
materiality 0.75
BayFirst Q4 net loss $2.5M; capital ratios improve after $96.6M SBA loan sale
BayFirst Financial Corp.
2025-FY EPS reported
-$5.93
- 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.
Machine-readable event card
- schema_version
- secwatch.filing_event.v1
- accession
- 0001649739-26-000005
- form_type
- 8-K
- ticker
- BAFN
- cik
- 0001649739
- company_name
- BayFirst Financial Corp.
- filed_at
- 2026-01-29T23:59:59+00:00
- discovered_at
- 2026-05-14T18:02:35.753564+00:00
- generated_at
- 2026-05-16T06:27:26.097839+00:00
- sec_items
- ["2.02", "7.01", "9.01"]
- event_type
- earnings
- sentiment
- negative
- materiality_score
- 0.75
- calibrated_materiality_score
- 0.75
- confidence
- high
- secwatch_canonical_url
- https://secwatch.observer/filing/0001649739-26-000005
- json_url
- https://secwatch.observer/filing/0001649739-26-000005.json
- markdown_url
- https://secwatch.observer/filing/0001649739-26-000005.md
- text_url
- https://secwatch.observer/filing/0001649739-26-000005.txt
- edgar_index_url
- https://www.sec.gov/Archives/edgar/data/1649739/000164973926000005/0001649739-26-000005-index.htm
- edgar_primary_document_url
- https://www.sec.gov/Archives/edgar/data/1649739/000164973926000005/bafn-20260129.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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