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An announcement from BayFirst Financial Corp ( (BAFN) ) is now available.
On December 29, 2025, BayFirst Financial Corp. amended the terms of its $6.0 million 4.5% subordinated notes due June 30, 2031, effective December 26, 2025, so that instead of making cash interest payments, the company will capitalize interest by adding it to the principal balance through June 30, 2026, and, if amounts remain unpaid at that date, may either pay holders an additional 3% of outstanding principal or increase the principal by 3%. As of December 31, 2025, the notes carried a principal of $6.0 million at 4.5% interest and the company also obtained agreement from First National Bankers Bank on December 30, 2025, to defer a quarterly interest payment on a $1.6 million term loan at 6.75% from December 10, 2025, to March 10, 2026, signaling a strategy to preserve liquidity and manage near-term cash outflows by restructuring and deferring interest obligations to creditors.
The most recent analyst rating on (BAFN) stock is a Hold with a $8.50 price target. To see the full list of analyst forecasts on BayFirst Financial Corp stock, see the BAFN Stock Forecast page.
Spark’s Take on BAFN Stock
According to Spark, TipRanks’ AI Analyst, BAFN is a Neutral.
BayFirst Financial Corp’s overall stock score reflects a challenging financial position with recent losses and restructuring efforts. While the strategic shift to community banking and improved capital ratios are positive, the current technical indicators and valuation concerns weigh heavily on the score. The company’s ability to manage debt and improve operational efficiency will be crucial for future performance.
To see Spark’s full report on BAFN stock, click here.
More about BayFirst Financial Corp
BayFirst Financial Corp. operates in the financial services industry as a bank holding company, primarily engaged in providing commercial and consumer banking services through its banking subsidiary, with a focus on loans and other credit products that rely on term debt and subordinated notes as part of its capital and funding structure.
Average Trading Volume: 7,814
Technical Sentiment Signal: Sell
Current Market Cap: $32.88M
See more data about BAFN stock on TipRanks’ Stock Analysis page.