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.

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