BAFN · BayFirst Financial Corp.
$6.10
-0.31 (-4.84%)
At close · Aug 17
Market Cap
$172.83M
Shares
26.96M
BayFirst Financial Corp. Earnings Call Transcripts
Every quarterly earnings call for BayFirst Financial Corp. (BAFN) — the full transcript with speaker labels, the audio replay, AI call highlights and a management-tone score, plus the matching 8-K earnings release and the quarter's 10-Q or 10-K. Investor days and conferences appear here too.
Annual General Meeting
Investor event
2026-09-22
BayFirst’s Annual Shareholders Meeting
Scheduled
No reported result — non-financial event
Audio
Transcript
Slides
Earnings call
FY26 · Q2
2026-08-13
BayFirst Financial Corporation Q2 2026 Conference Call and Webcast
Balanced tone
Rights offering timing and execution
Deposit franchise repositioning
Competitive positioning and banker relationships
Diluted EPS
$-8.05
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY26 · Q1
2026-05-01
BayFirst Financial Corp. Q1 FY2026 Earnings Call
Balanced tone
Legacy SBA 7(a) portfolio runoff and credit losses
New CEO appointment and leadership transition
Net interest margin and balance sheet trends
Diluted EPS
$-1.54
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q4
2026-01-30
BayFirst Financial Corp. Q4 FY2025 Earnings Call
Cautious tone
SBA 7(a) legacy portfolio wind-down and credit risk
Deposit growth and cost of funds management
Community banking focus and Tampa Bay market
Results not yet reported
Audio
Transcript
Slides
8-K10-K
Earnings call
FY25 · Q3
2025-10-31
BayFirst Financial Corp. Q3 FY2025 Earnings Call
Cautious tone
SBA 7(a) Exit and Portfolio Sale to Banesco USA
Community Banking Strategy
Credit Quality and Nonperforming Loans
Diluted EPS
$-4.71
▼ 2716.7% YoY
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q2
2025-07-30
BayFirst Financial Corp. Q2 FY2025 Earnings Call
Cautious tone
Government-Guaranteed Loan Originations
Net Loss and Credit Quality
Core Deposit and Community Banking Growth
Diluted EPS
$-0.54
▼ 550% YoY
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q1
2025-04-25
BayFirst Financial Corp. Q1 FY2025 Earnings Call
Cautious tone
Small business and SBA credit stress
Deposit and net interest margin improvement
Loan origination volume
Diluted EPS
$-0.32
▼ 390.9% YoY
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q4
2025-01-31
BayFirst Financial Corp. Q4 FY2024 Earnings Call
Positive tone
Sale-leaseback transaction
Accounting change - fair value to amortized cost
Credit quality and charge-offs
Results not yet reported
Audio
Transcript
Slides
8-K10-K
Earnings call
FY24 · Q3
2024-10-25
BayFirst Financial Corp. Q3 FY2024 Earnings Call
Diluted EPS
$0.18
▼ 56.1% YoY
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q2
2024-07-26
BayFirst Financial Corp. Q2 FY2024 Earnings Call
Diluted EPS
$0.12
▼ 58.6% YoY
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q1
2024-04-26
BayFirst Financial Corp. Q1 FY2024 Earnings Call
Diluted EPS
$0.11
▼ 15.4% YoY
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q4
2024-01-26
BayFirst Financial Corp. Q4 FY2023 Earnings Call
Results not yet reported
Audio
Transcript
Slides
8-K10-K
Earnings call
FY23 · Q3
2023-10-27
BayFirst Financial Corp. Q3 FY2023 Earnings Call
Diluted EPS
$0.41
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q2
2023-08-24
BayFirst Financial Corp. Q2 FY2023 Earnings Call
Diluted EPS
$0.29
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q1
2023-04-28
BayFirst Financial Corp. Q1 FY2023 Earnings Call
Diluted EPS
$0.13
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q4
2023-01-27
BayFirst Financial Corp. Q4 FY2022 Earnings Call
Results not yet reported
Audio
Transcript
Slides
8-K10-K
Showing 1–16 of 16 earnings calls
Key facts
CIK
1649739
CUSIP
07279B104
13F (30d)
15 filings
15 filers
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Investor relations