BayFirst Financial Corp. (BAFN) Latest Filing Signal

Based on earningsVibe SuperAnalyst™ synthesis of the latest 10-K, BayFirst Financial Corp.'s filing signal continuing negative.

BayFirst Financial Corp. operates as a bank holding company through its wholly owned subsidiary, BayFirst National Bank, serving consumers and small businesses primarily in the Tampa Bay/Sarasota region of Florida. As of December 31, 2025, the company reported consolidated total assets of $1.30 billion. BayFirst National Bank, a national banking association, offers a range of community banking services including checking and savings accounts, money market accounts, and certificates of deposit, alongside commercial, consumer, and real estate loans. The bank also provides specialized services like healthcare banking solutions and a minority lending program. In late 2025, BayFirst exited its SBA 7(a) lending business, focusing on USDA loans and SBA 504 loans through its community banking centers.

BayFirst's primary revenue sources are interest income generated from its loan and investment portfolios, and noninterest income, which includes service charges on deposit accounts and fees related to government guaranteed loans.