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The latest update is out from BayFirst Financial Corp ( (BAFN) ).
On January 29, 2026, BayFirst Financial Corp. held a conference call to discuss its fourth-quarter and full-year 2025 results, highlighting the completion of several major strategic actions, including its exit from the SBA 7(a) lending business, sale of substantial 7(a) loan balances, headcount and expense reductions, and a sharpened focus on community banking. For the quarter ended December 31, 2025, the company reported a net loss of $2.5 million, narrower than the prior quarter’s $18.9 million loss, as restructuring charges and loan-loss provisions tied to the legacy SBA 7(a) portfolio declined, even though net charge-offs on unguaranteed SBA loans remained elevated. Loans held for investment and held for sale shrank meaningfully, deposits rose modestly to $1.18 billion with 85% insured by the FDIC, and liquidity exceeded 18%, giving management room to reprice higher-cost deposits and support margin improvement. Net interest margin held relatively stable at 3.58%, noninterest expenses fell sharply quarter-over-quarter after restructuring, and BayFirst’s capital position remained solid, with shareholders’ equity at $87.6 million and a higher allowance for credit losses as the bank continues to work through its shrinking, higher-risk SBA 7(a) loan book while pivoting toward a lower-risk, locally focused operating model.
The most recent analyst rating on (BAFN) stock is a Hold with a $6.50 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.
The score is primarily held back by deteriorating TTM profitability and ongoing credit headwinds tied to legacy unguaranteed SBA 7(a) exposure, alongside weak price trend/momentum. Offsetting factors include strong liquidity and deposit growth progress, positive (though declining) cash generation, and a relatively attractive dividend yield, but the turnaround path remains uncertain.
To see Spark’s full report on BAFN stock, click here.
More about BayFirst Financial Corp
BayFirst Financial Corp. is a community banking institution focused on serving customers in the Tampa Bay and Sarasota, Florida markets, emphasizing deposit gathering, treasury management services and traditional lending after exiting its national SBA 7(a) lending platform. The company is positioning itself as a premier local community bank, with a balance sheet centered on insured core deposits, stable net interest margin and a reduced-risk loan portfolio following strategic divestitures and restructuring.
Average Trading Volume: 9,562
Technical Sentiment Signal: Sell
Current Market Cap: $27.99M
Find detailed analytics on BAFN stock on TipRanks’ Stock Analysis page.