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BayFirst Financial Corp ( (BAFN) ) has issued an announcement.
On January 29, 2026, BayFirst Financial Corp. reported a net loss of $2.5 million, or $0.69 per share, for the fourth quarter of 2025, sharply reduced from a $18.9 million loss in the prior quarter and reversing net income of $9.8 million a year earlier, as the company advanced a restructuring plan that improved capital ratios and refocused its business. During the quarter, BayFirst closed the sale of $96.6 million in loans to Banesco USA as part of its September 2025 decision to exit the SBA 7(a) lending business, reduced loans held for investment, achieved organic deposit growth of $12.5 million with 85% of deposits insured, maintained a stable net interest margin of 3.58%, and cut headcount from 299 at the end of 2024 to 144 by December 31, 2025, contributing to a steep decline in noninterest expense and showing progress in derisking its balance sheet and strengthening credit quality, despite a full-year 2025 net loss of $22.9 million driven by lower noninterest income and higher credit loss provisions.
The most recent analyst rating on (BAFN) stock is a Hold with a $7.00 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 held back most by weak technicals (strong downtrend and bearish momentum) and a challenging earnings backdrop highlighted by a large quarterly loss and margin/credit pressure. Financial statements show some improving profitability and strong revenue growth, but rising leverage and weakening cash flow growth add risk. Valuation is mixed: a high dividend yield is offset by loss-making earnings reflected in the negative P/E.
To see Spark’s full report on BAFN stock, click here.
More about BayFirst Financial Corp
BayFirst Financial Corp. (NASDAQ: BAFN) is the parent company of BayFirst National Bank, a community bank based in the Tampa Bay region that focuses on traditional community banking services, including deposit gathering and loan origination, with a growing treasury management business and a strategy centered on building a premier community bank franchise in its market.
Average Trading Volume: 8,249
Technical Sentiment Signal: Sell
Current Market Cap: $27.7M
See more insights into BAFN stock on TipRanks’ Stock Analysis page.