Bayfirst Financial Corp Overview
Industry: Banks Regional
Sector: Financial Services
BayFirst Financial Corp. operates as the bank holding company for BayFirst National Bank that provides community banking services for businesses and individuals. The company offers checking, savings, NOW, and money market deposit accounts, as well as certificates of deposit and individual retirement account; and safety deposit boxes. It also provides commercial real estate mortgages; construction and development, working capital, and business loans; auto, boat, and recreational vehicle loans; and personal lines of credit, and home equity lines of credit. In addition, the company offers mobile and online banking, treasury management, cash management, merchant processing, remote deposit capture, night depositor, online bill payment, courier, retail investment, and other services. It operates full-service office locations in St. Petersburg, Seminole, Pinellas Park, Clearwater, Sarasota, Tampa, and Belleair Bluffs, Florida. The company was formerly known as First Home Bancorp, Inc. and changed its name to BayFirst Financial Corp. in May 2021. BayFirst Financial Corp. was founded in 1999 and is headquartered in Saint Petersburg, Florida. BayFirst Financial Corp. operates as the bank holding company for BayFirst National Bank that provides community banking services for businesses and individuals. The company offers checking, savings, NOW, and money market deposit accounts, as well as certificates of deposit and individual retirement Read MoreMavefund brings filings, fundamentals, valuation, price history and news for Bayfirst Financial Corp into one research view. The sections below show what strengthens or weakens the research case.
Score
Reported Results
What the company reported, with filing details kept small.
Quarterly result summary
Net loss was -$22.9M. Net income was $12.6M.
Net loss
-$22.9M
reported
Net income
$12.6M
reported
What changed
- Review the SEC source filing for the full reported results and management commentary.
Guidance / outlook
The Company anticipates it will file amendments to its 2025 Form 10-K and first quarter 2026 Form 10-Q by August 12, 2026. “We take our obligation to provide accurate and transparent financial reporting seriously,” stated Alfred Rogers, Chief Executive Officer.
Earnings release
Open filing
Source: SEC EDGAR company-filed earnings materials. Dates are shown only for verification; review the source filing before relying on extracted report details.
Other recent earnings materials
SEC filing
10-Q
May 12, 2026
Earnings release
Earnings release
Apr 30, 2026
SEC filing
10-K
Mar 27, 2026
SEC filing
8-K
Jan 29, 2026
Earnings release
Earnings release
Jan 29, 2026
SEC filing
10-Q
Nov 12, 2025
Earnings release
Earnings release
Oct 30, 2025
SEC filing
10-Q
Aug 11, 2025
Earnings release
Earnings release
Jul 29, 2025
SEC filing
8-K
Jul 29, 2025
Prediction-grade evidence
Recent News
Company-relevant articles from sources that pass the Mave Signal relevance and reliability checks.
BayFirst Financial to restate results, book $40.1M in charges By Investing.com
Headline from Investing.com Canada: BayFirst Financial to restate results, book $40.1M in charges By Investing.com.
BayFirst Financial to restate results, book $40.1M in charges
Headline from Investing.com: BayFirst Financial to restate results, book $40.1M in charges.
BayFirst Announces Impact of Asset Resolution Plan and Restatement of Prior Period Financial Statements
Headline from Yahoo Finance: BayFirst Announces Impact of Asset Resolution Plan and Restatement of Prior Period Financial Statements.
Earnings Per Share
Score 3.00/5
Bayfirst Financial Corp boasts a high score, as its Earnings Per Share (EPS) has demonstrated consistent growth over the past six years. Notable counterparts in the sector with high scores includes
Aflac Inc
Pathward Financial Inc
T. Rowe Price Group Inc
In
Banks Regional industry
, DEUTSCHE BANK AKTIENGESELLSCHAFT
, Hanmi Financial Corporation
, Camden National Corporation
are companies with high ratings.
Return on Equity
Score 2.85/5
Bayfirst Financial Corp stands out with a superior score in the Return on Equity (ROE) section, surpassing the sector median value and showcasing its strong performance in this metric. The top companies in the same sector include
Aflac Inc
Pathward Financial Inc
T. Rowe Price Group Inc
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Net Margin
Score 2.49/5
Bayfirst Financial Corp
olds a low score as its net margin consistently trails below the sector median value and doesn't exhibit continuous growth over the last six years; notable companies in the sector with commendable scores include
Aflac Inc
Pathward Financial Inc
T. Rowe Price Group Inc
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Leverage
Score 1.55/5
Bayfirst Financial Corp
registers a lower score in the category as a result of its elevated leverage ratio over the past six years compared to the sector median value. Conversely, other companies in the same sector, including
Aflac Inc
Pathward Financial Inc
T. Rowe Price Group Inc
have achieved high scores.
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Financial Statements
Company-reported SEC EDGAR facts organized into the three core statements.
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Source: SEC EDGAR companyfacts. Values are standardized company filings for research support, not personalized financial advice.
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