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AI brief of an SEC Form 8-K · BayFirst Financial Corp. (BAFN)

BayFirst Financial narrows Q3 2026 net loss to $677 thousand from $32.7 million

Positive Impact 3 of 5 earnings Written later

BayFirst Financial Corp. furnished a transcript of its October 30, 2026 conference call on third-quarter 2026 results, reporting a net loss of $677 thousand versus $32.7 million in the second quarter. Net interest margin rose to 4.07%, and the provision for credit losses was negative $69 thousand, while tangible book value per share fell to $3.64 from $4.82.

Key points

  • Net loss of $677 thousand for Q3 2026, compared with $32.7 million in Q2 2026
  • Net interest margin of 4.07%, a 59 basis point increase from Q2; net interest income of $10.6 million
  • Provision for credit losses was negative $69 thousand, compared with $29 million in Q2; net charge-offs were $3.2 million
  • Tangible book value per share was $3.64, down from $4.82; the Board voted to redeem Series C preferred shares, whose no-call period expires in Q4 2026

The filing

CompanyBayFirst Financial Corp. (BAFN)
Form8-K, current report
Filed with the SECNov 3, 2026, 9:14 AM ET
Accession number0001649739-26-000145

Items reported: 7.01 Regulation FD Disclosure

Read the filing on SEC.gov ↗

Written by AI on Nov 9, 2026, 8:53 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on November 03, 2026.

Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.