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BayFirst Financial Corp (BAFN)
NASDAQ:BAFN
Earnings Data
Report Date
Jan 22, 2026Before Open (Not Confirmed)
Period Ending
2025 (Q4)Consensus EPS Forecast
―Last Year’s EPS
2.11Same Quarter Last Year
Moderate Buy
Based on 0 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Negative
The earnings call presented a challenging quarter for BayFirst Financial Corp. with significant net losses and restructuring charges as the company transitions away from its SBA 7(a) lending business. While there were positive signs such as an increase in deposit balances and a reduction in net charge-offs, the lowlights, including decreased net interest margin and higher nonperforming assets, were more prominent.Company Guidance
Strategic Transition to Community Banking
BayFirst Financial Corp. is exiting the SBA 7(a) lending business, which previously contributed to operating losses, and selling a large portion of this portfolio to Banesco USA. The transition aims to refocus on being a premier community bank in the Tampa Bay area.
Increase in Deposit Balances
Total deposit balances increased by $7.7 million or 0.7% during the third quarter of 2025 and by $59.3 million or 5.3% over the past year to $1.17 billion, with more than 84% of deposits insured by the FDIC.
Net Charge-offs Reduction
Net charge-offs, primarily from unguaranteed SBA 7(a) balances, were $3.3 million, which was a reduction of $3.5 million compared to the second quarter.
BAFN Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
BAFN Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Oct 30, 2025 | $9.10 | $8.90 | -2.20% |
Jul 29, 2025 | $15.15 | $13.69 | -9.64% |
Apr 24, 2025 | $16.12 | $14.57 | -9.62% |
Jan 30, 2025 | $15.16 | $15.23 | +0.46% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does BayFirst Financial Corp (BAFN) report earnings?
BayFirst Financial Corp (BAFN) is schdueled to report earning on Jan 22, 2026, Before Open (Not Confirmed).
What is BayFirst Financial Corp (BAFN) earnings time?
BayFirst Financial Corp (BAFN) earnings time is at Jan 22, 2026, Before Open (Not Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is BAFN EPS forecast?
Currently, no data Available