8-K: BayFirst Schedules Q4 2025 Earnings Call

BayFirst Financial Corp. announced it will report its fourth quarter 2025 results on January 29, 2026, followed by a conference call on January 30, 2026.

Summary

• BayFirst Financial Corp. (NASDAQ: BAFN) will report its fourth quarter 2025 results after market close on Thursday, January 29, 2026.
• Management will host a conference call on Friday, January 30, 2026, at 9:00 a.m. ET to discuss the results.
• The conference call will be broadcast live via the internet under the Investor Relations tab at www.bayfirstfinancial.com.
• Investment professionals can participate in the call by dialing (800) 549-8228 and using Conference ID 15602.
• A replay of the call will be available for one year on the company's website.
• As of September 30, 2025, BayFirst Financial Corp. had $1.35 billion in total assets.
• BayFirst Financial Corp. is a registered bank holding company based in St. Petersburg, Florida, operating BayFirst National Bank with twelve full-service banking offices throughout the Tampa Bay-Sarasota region.

Sentiment

Score: 5

Explanation: Neutral, as the filing is a routine announcement of an upcoming earnings report and conference call, without disclosing actual financial results or significant new information.

Risks

• Effects of health crises, global military hostilities, weather events, or climate change, including their effects on the economic environment, customers, and operations.
• Changes to federal, state, or local government laws, regulations, or orders in connection with such events.
• The ability of the Company to implement its strategy and expand its banking operations.
• Changes in interest rates and other general economic, business, and political conditions, including changes in the financial markets.
• Changes in business plans as circumstances warrant.
• Risks related to mergers and acquisitions.
• Changes in benchmark interest rates used to price loans and deposits.
• Changes in tax laws, regulations, and guidance.
• Enforcement actions initiated by regulators and their impact on operations.
• Other risks detailed from time to time in filings made with the SEC, including those Risk Factors described in the most recent Form 10-K and Form 10-Q.

Future Outlook

The filing includes a standard disclaimer regarding forward-looking statements, noting that actual events may differ materially from those made or suggested, and lists various general risks that could impact future events.

Industry Context

This announcement is a routine disclosure for a publicly traded bank holding company, providing investors with the schedule for its upcoming quarterly financial results and the opportunity to engage with management.

Stakeholder Impact

• Shareholders: Will receive Q4 2025 financial results and have an opportunity to hear management's discussion and analysis.
• Investment Professionals: Provided details to participate in the conference call for their analysis and reporting.

Next Steps

• Reporting of fourth quarter 2025 results after market close on January 29, 2026.
• Management conference call on January 30, 2026, at 9:00 a.m. ET to discuss results.

Key Dates

Keywords

BayFirst Financial Corp., BAFN, earnings call, Q4 2025 results, financial reporting, bank holding company, Florida banking, investor relations, SEC filing