Key Performance
More- Earnings Score: N/A
- Momentum Score: 47
- True Yield: N/A
- Financial Health Score: N/A
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Latest Research & News
BayFirst (BAFN) Q4 2025 Earnings Call Transcript
BayFirst Financial reported a narrowing net loss of $2.5 million in Q4 2025, down from $18.9 million in Q3, as the company completed its strategic exit from the SBA 7(a) lending business. The bank achieved deposit growth of $12.5 million in the quarter and $40.7 million annually, with 85% FDIC-insured deposits. However, loan balances declined 9.6% year-over-year to $963.9 million, and net charge-offs increased to $4.6 million, primarily from the legacy SBA portfolio. Management expects additional charge-offs to continue in 2026 but with diminishing impact as the portfolio winds down.
01/30/2026, 9:33 AM • The Motley Fool
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12/31/2025, 9:00 AM • GlobeNewswire
BayFirst Discontinues Bolt SBA 7(a) Loan Program
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08/04/2025, 4:00 PM • GlobeNewswire
BayFirst Q2 Net Loss Widens 425%
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07/30/2025, 5:01 PM • The Motley Fool
Statistics
MoreInformation as of 06/02/2026
Company Profile
BayFirst Financial Corp. operates as the bank holding company for BayFirst National Bank that provides community banking services for small and medium sized businesses and individuals. The company offers checking, savings, negotiable order of withdrawal, and money market deposit accounts, as well as certificates of deposit and individual retirement accounts; and safety deposit boxes. It also provides commercial real estate mortgages; construction and development, working capital, and business loans; auto, boat, and recreational vehicle loans; and residential mortgages, personal lines of credit, and home equity lines of credit. In addition, the company offers internet, mobile and online banking, lock box services, remote capture and deposit, treasury management, wire transfers, cash management, merchant processing, remote deposit capture, night depository, online bill payment, courier, retail investment, ACH originations, and other services. It operates full-service banking centers in Pinellas, Hillsborough, Manatee, and Sarasota counties, Florida. The company was formerly known as First Home Bancorp, Inc. and changed its name to BayFirst Financial Corp. in May 2021. BayFirst Financial Corp. was founded in 1999 and is headquartered in Saint Petersburg, Florida.