BAFN / BayFirst Financial Corp. - Pemfailan SEC, Laporan Tahunan, Penyata Proksi

BayFirst Financial Corp.
US ˙ NasdaqCM ˙ US07279B1044

Statistik Asas
LEI 549300EG3HIQSTDIRQ72
CIK 1649739
SEC Filings
All companies that sell securities in the United States must register with the Securities and Exchange Commission (SEC) and file reports on a regular basis. These reports include company annual reports (10K, 10Q), news updates (8K), investor presentations (found in 8Ks), insider trades (form 4), ownership reports (13D, and 13G), and reports related to the specific securities sold, such as registration statements and prospectus. This page shows recent SEC filings related to BayFirst Financial Corp.
SEC Filings (Chronological Order)
Halaman ini menyediakan senarai kronologi lengkap bagi Pemfailan SEC, tidak termasuk pemfailan pemilikan yang kami sediakan di tempat lain.
August 11, 2025 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal period ended June 30, 2025 o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-41068

August 4, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) August 4, 2025 BAYFIRST FINANCIAL

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) August 4, 2025 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commission f

August 4, 2025 EX-99.1

BayFirst Discontinues Bolt SBA 7(a) Loan Program

Contacts: Thomas G. Zernick Scott J. McKim Chief Executive Officer Chief Financial Officer 727.399.5680 727.521.7085 BayFirst Discontinues Bolt SBA 7(a) Loan Program ST. PETERSBURG, Florida – August 4, 2025 – BayFirst Financial Corp. (NASDAQ: BAFN) (“BayFirst” or “Company”), parent company of BayFirst National Bank (“Bank”) today announced that as part of a comprehensive strategic review aimed at

August 1, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) July 30, 2025 BAYFIRST FINANCIAL C

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) July 30, 2025 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commission fi

August 1, 2025 EX-99.1

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BayFirst Financial Corp. Second Quarter 2025 Earnings Call CORPORATE SPEAKERS: Robin L. Oliver BayFirst Financial; President, Chief Operating Officer Scott J. McKim BayFirst Financial; EVP, Chief Financial Officer Thomas G. Zernick BayFirst Financial; Chief Executive Officer and Director ANALYSTS: Ian Green Pendragon Capital Julienne Cassarino Sycamore Analytics Ross Haberman RLH Investments, LLC

July 29, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) July 29, 2025 BAYFIRST FINANCIAL C

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) July 29, 2025 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commission fi

July 29, 2025 EX-99.2

BayFirst Financial Corp. (NASDAQ:BAFN) 2025 – Second Quarter Results (Unaudited) In addition to the historical information contained herein, this presentation includes "forward-looking statements" within the meaning of such term in the Private Securi

bayfirstinvestorpresenta BayFirst Financial Corp. (NASDAQ:BAFN) 2025 – Second Quarter Results (Unaudited) In addition to the historical information contained herein, this presentation includes "forward-looking statements" within the meaning of such term in the Private Securities Litigation Reform Act of 1995. These statements are subject to many risks and uncertainties, including, but not limited

July 29, 2025 EX-99.1

BayFirst Financial Corp. Reports Second Quarter 2025 Results

Contacts: Thomas G. Zernick Scott J. McKim Chief Executive Officer Chief Financial Officer 727.399.5680 727.521.7085 BayFirst Financial Corp. Reports Second Quarter 2025 Results ST. PETERSBURG, FL. — July 29, 2025 — BayFirst Financial Corp. (NASDAQ: BAFN) (“BayFirst” or the “Company”), parent company of BayFirst National Bank (the “Bank”) today reported a net loss of $1.2 million, or $(0.39) per c

June 30, 2025 EX-99.1

BayFirst Announces Second Quarter 2025 Conference Call and Webcast

Contacts: Thomas G. Zernick Scott J. McKim Chief Executive Officer Chief Financial Officer 727.399.5680 727.521.7085 BayFirst Announces Second Quarter 2025 Conference Call and Webcast ST. PETERSBURG, Florida – June 30, 2025 – BayFirst Financial Corp. (NASDAQ: BAFN) (“BayFirst” or the “Company”), parent company of BayFirst National Bank (the “Bank”) today announced that it will report its second qu

June 30, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) June 30, 2025 BAYFIRST FINANCIAL C

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) June 30, 2025 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commission fi

May 19, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) May 15, 2025 BAYFIRST FINANCIAL CO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) May 15, 2025 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commission fil

May 16, 2025 EX-99.1

Forward-looking statements generally can be identified by the use of forward-looking terminology such as "will," "propose," "may," "plan," "seek," "expect," "intend," "estimate," "anticipate," "believe," "continue," or similar terminology. Any forwar

a2025shareholdersmeeting Forward-looking statements generally can be identified by the use of forward-looking terminology such as "will," "propose," "may," "plan," "seek," "expect," "intend," "estimate," "anticipate," "believe," "continue," or similar terminology.

May 16, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) May 15, 2025 BAYFIRST FINANCIAL CO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) May 15, 2025 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commission fil

May 13, 2025 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal period ended March 31, 2025 o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-4106

April 29, 2025 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) April 25, 2025 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commission f

April 29, 2025 EX-99.1

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BayFirst Financial Corp. First Quarter 2025 Earnings Call CORPORATE SPEAKERS: Robin L. Oliver BayFirst Financial; President, Chief Operating Officer Scott J. McKim BayFirst Financial; EVP, Chief Financial Officer Thomas G. Zernick BayFirst Financial; Chief Executive Officer and Director PRESENTATION Operator Good morning, ladies and gentlemen, and welcome to BayFirst Financial Corporation Q1 2025

April 24, 2025 EX-99.2

BayFirst Financial Corp. (NASDAQ:BAFN) 2025 – First Quarter Results (Unaudited) 22 In addition to the historical information contained herein, this presentation includes "forward-looking statements" within the meaning of such term in the Private Secu

BayFirst Financial Corp. (NASDAQ:BAFN) 2025 – First Quarter Results (Unaudited) 22 In addition to the historical information contained herein, this presentation includes "forward-looking statements" within the meaning of such term in the Private Securities Litigation Reform Act of 1995. These statements are subject to many risks and uncertainties, including, but not limited to, the effects of heal

April 24, 2025 EX-99.1

BayFirst Financial Corp. Reports First Quarter 2025 Results

Contacts: Thomas G. Zernick Scott J. McKim Chief Executive Officer Chief Financial Officer 727.399.5680 727.521.7085 BayFirst Financial Corp. Reports First Quarter 2025 Results ST. PETERSBURG, FL. — April 24, 2025 — BayFirst Financial Corp. (NASDAQ: BAFN) (“BayFirst” or the “Company”), parent company of BayFirst National Bank (the “Bank”) today reported a net loss of $0.3 million, or $0.17 per com

April 24, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) April 24, 2025 BAYFIRST FINANCIAL

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) April 24, 2025 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commission f

April 4, 2025 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.

March 31, 2025 EX-99.1

BayFirst Announces First Quarter 2025 Conference Call and Webcast

Contacts: Thomas G. Zernick Scott J. McKim Chief Executive Officer Chief Financial Officer 727.399.5680 727.521.7085 BayFirst Announces First Quarter 2025 Conference Call and Webcast ST. PETERSBURG, Florida – March 31, 2025 – BayFirst Financial Corp. (NASDAQ: BAFN) (“BayFirst” or the “Company”), parent company of BayFirst National Bank (the “Bank”) today announced that it will report its first qua

March 31, 2025 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) March 31, 2025 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commission f

March 25, 2025 EX-19.0

Insider Trading and Confidentiality Policy

POLICY 1680 Approved October 22, 2024 Insider Trading and Confidentiality Policy POLICY REGARDING TRADING IN COMPANY SECURITIES AND CONFIDENTIALITY OF INFORMATION Introduction As a publicly traded company, BayFirst Financial Corp.

March 25, 2025 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-41068

February 4, 2025 EX-99.1

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BayFirst Financial Corp. Fourth Quarter 2024 Earnings Call CORPORATE SPEAKERS: Robin L. Oliver BayFirst Financial; President, Chief Operating Officer Scott J. McKim BayFirst Financial; EVP, Chief Financial Officer Thomas G. Zernick BayFirst Financial; Chief Executive Officer and Director ANALYSTS: Ian Green Pendragon Capital Julienne Cassarino Sycamore Analytics PRESENTATION Operator Good morning,

February 4, 2025 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) January 31, 2025 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commission

January 30, 2025 EX-99.1

BayFirst Financial Corp. Reports Fourth Quarter 2024 Results; Earnings per common share increased to $2.11 for the quarter and $2.64 for the year; Net interest margin expanded by 26bps; Announced share buyback program

Contacts: Thomas G. Zernick Scott J. McKim Chief Executive Officer Chief Financial Officer 727.399.5680 727.521.7085 BayFirst Financial Corp. Reports Fourth Quarter 2024 Results; Earnings per common share increased to $2.11 for the quarter and $2.64 for the year; Net interest margin expanded by 26bps; Announced share buyback program ST. PETERSBURG, FL. — January 30, 2025 — BayFirst Financial Corp.

January 30, 2025 EX-99.2

BayFirst Financial Corp. (NASDAQ:BAFN) 2024 – Fourth Quarter Results (Unaudited) 22 In addition to the historical information contained herein, this presentation includes "forward-looking statements" within the meaning of such term in the Private Sec

BayFirst Financial Corp. (NASDAQ:BAFN) 2024 – Fourth Quarter Results (Unaudited) 22 In addition to the historical information contained herein, this presentation includes "forward-looking statements" within the meaning of such term in the Private Securities Litigation Reform Act of 1995. These statements are subject to many risks and uncertainties, including, but not limited to, the effects of hea

January 30, 2025 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) January 30, 2025 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commission

December 31, 2024 EX-10.1

Purchase and Sale Agreement by and between BayFirst National Bank and Mountainseed Real Estate Services, LLC, dated December 23, 2024

AGREEMENT FOR PURCHASE AND SALE OF PROPERTY THIS AGREEMENT is made and entered into as of the Effective Date (as hereinafter defined), by and between BAYFIRST NATIONAL BANK, a Federally-chartered national bank (“Seller” and “Leaseback Tenant”), and MOUNTAINSEED REAL ESTATE SERVICES, LLC, a Georgia limited liability company (“Buyer”).

December 31, 2024 EX-99.1

BayFirst Announces Fourth Quarter 2024 Conference Call and Webcast

Contacts: Megan Brewster Scott McKim Public Relations Manager Chief Financial Officer 727.

December 31, 2024 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) December 31, 2024 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commissio

December 31, 2024 EX-10.2

Form of Master Lease by and between BayFirst National Bank and Mountainseed Real Estate Services, LLC

MASTER LEASE by and among FNLR BFNB LLC, as Landlord, and BAYFIRST NATIONAL BANK, as Tenant TABLE OF CONTENTS Page 1.

December 31, 2024 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) December 31, 2024 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commissio

November 13, 2024 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal period ended September 30, 2024 o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-

October 28, 2024 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) October 25, 2024 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commission

October 28, 2024 EX-99.1

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BayFirst Financial Corp. Third Quarter 2024 Earnings Call CORPORATE SPEAKERS: Robin L. Oliver BayFirst Financial; President, Chief Operating Officer Scott J. McKim BayFirst Financial; EVP, Chief Financial Officer Thomas G. Zernick BayFirst Financial; Chief Executive Officer and Director ANALYSTS: Ian Green Pendragon Capital Ross Haberman Rlh Investments, LLC PRESENTATION Operator Good morning, lad

October 24, 2024 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) October 24, 2024 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commission

October 24, 2024 EX-99.1

BayFirst Financial Corp. Reports Third Quarter 2024 Results; Third Quarter Net Income Increased 31.3% Over Prior Quarter

Contacts: Thomas G. Zernick Scott J. McKim Chief Executive Officer Chief Financial Officer 727.399.5680 727.521.7085 BayFirst Financial Corp. Reports Third Quarter 2024 Results; Third Quarter Net Income Increased 31.3% Over Prior Quarter ST. PETERSBURG, FL. — October 24, 2024 — BayFirst Financial Corp. (NASDAQ: BAFN) (“BayFirst” or the “Company”), parent company of BayFirst National Bank (the “Ban

October 24, 2024 EX-99.2

BayFirst Financial Corp. (NASDAQ:BAFN) 2024 – Third Quarter Results (Unaudited) 22 In addition to the historical information contained herein, this presentation includes "forward-looking statements" within the meaning of such term in the Private Secu

BayFirst Financial Corp. (NASDAQ:BAFN) 2024 – Third Quarter Results (Unaudited) 22 In addition to the historical information contained herein, this presentation includes "forward-looking statements" within the meaning of such term in the Private Securities Litigation Reform Act of 1995. These statements are subject to many risks and uncertainties, including, but not limited to, the effects of heal

September 30, 2024 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) September 30, 2024 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commissi

September 30, 2024 EX-99.1

BayFirst Announces Third Quarter 2024 Conference Call and Webcast

Contacts: Megan Brewster Scott McKim Public Relations Manager Chief Financial Officer 727.

September 30, 2024 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT ` PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) September 30, 2024 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commis

August 12, 2024 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal period ended June 30, 2024 o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-41068

July 29, 2024 EX-99.1

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BayFirst Financial Corp. Second Quarter 2024 Earnings Call CORPORATE SPEAKERS: Robin L. Oliver BayFirst Financial; President, Chief Operating Officer Scott J. McKim BayFirst Financial; EVP, Chief Financial Officer ANALYSTS: Ian Green Pendragon Capital Julienne Cassarino Sycamore Analytics PRESENTATION Operator Good morning, ladies and gentlemen, and welcome to the BayFirst Financial Corporation's

July 29, 2024 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) July 26, 2024 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commission fi

July 25, 2024 EX-99.1

BayFirst Financial Corp. Reports Second Quarter 2024 Results; Highlighted by Improved Operating Efficiencies and Lower Net Charge-Offs

Contacts: Thomas G. Zernick Scott J. McKim Chief Executive Officer Chief Financial Officer 727.399.5680 727.521.7085 BayFirst Financial Corp. Reports Second Quarter 2024 Results; Highlighted by Improved Operating Efficiencies and Lower Net Charge-Offs ST. PETERSBURG, FL. — July 25, 2024 — BayFirst Financial Corp. (NASDAQ: BAFN) (“BayFirst” or the “Company”), parent company of BayFirst National Ban

July 25, 2024 EX-99.2

BayFirst Financial Corp. (NASDAQ:BAFN) 2024 – Second Quarter Results (Unaudited) 22 In addition to the historical information contained herein, this presentation includes "forward-looking statements" within the meaning of such term in the Private Sec

BayFirst Financial Corp. (NASDAQ:BAFN) 2024 – Second Quarter Results (Unaudited) 22 In addition to the historical information contained herein, this presentation includes "forward-looking statements" within the meaning of such term in the Private Securities Litigation Reform Act of 1995. These statements are subject to many risks and uncertainties, including, but not limited to, the effects of hea

July 25, 2024 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) July 25, 2024 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commission fi

June 28, 2024 EX-99.1

BayFirst Announces Second Quarter 2024 Conference Call and Webcast

Contacts: Megan Brewster Scott McKim Public Relations Manager Chief Financial Officer 727.

June 28, 2024 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) June 28, 2024 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commission fi

May 17, 2024 8-K

Financial Statements and Exhibits, Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) May 16, 2024 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commission fil

May 16, 2024 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) May 16, 2024 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commission fil

May 16, 2024 EX-99.1

Annual Meeting of Shareholders Thursday, May 16, 2024 5:30PM  Welcome Brandi Jaber & Valerie Fulbright  Financial Performance Scott McKim  President’s Report- A Wrap up of 2023 Robin Oliver  Banking Spotlight Tom Quale & Joe McKenzie  A Look Ahe

Annual Meeting of Shareholders Thursday, May 16, 2024 5:30PM  Welcome Brandi Jaber & Valerie Fulbright  Financial Performance Scott McKim  President’s Report- A Wrap up of 2023 Robin Oliver  Banking Spotlight Tom Quale & Joe McKenzie  A Look Ahead: 2024 Strategic Discussion Thomas G.

May 13, 2024 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal period ended March 31, 2024 o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-4106

April 30, 2024 EX-99.1

1

BayFirst Financial Corp. First Quarter 2024 Earnings Call CORPORATE SPEAKERS: Thomas G. Zernick BayFirst Financial; Chief Executive Officer and Director Robin L. Oliver BayFirst Financial; President, Chief Operating Officer Scott J. McKim BayFirst Financial; EVP, Chief Financial Officer ANALYSTS: Ross Haberman Rlh Investments, LLC Julienne Cassarino Sycamore Analytics PRESENTATION Operator Good mo

April 30, 2024 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) April 26, 2024 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commission f

April 25, 2024 EX-99.2

BayFirst Financial Corp. (NASDAQ:BAFN) 2024 – First Quarter Results (Unaudited) 22 In addition to the historical information contained herein, this presentation includes "forward-looking statements" within the meaning of such term in the Private Secu

BayFirst Financial Corp. (NASDAQ:BAFN) 2024 – First Quarter Results (Unaudited) 22 In addition to the historical information contained herein, this presentation includes "forward-looking statements" within the meaning of such term in the Private Securities Litigation Reform Act of 1995. These statements are subject to many risks and uncertainties, including, but not limited to, the effects of heal

April 25, 2024 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) April 25, 2024 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commission f

April 25, 2024 EX-99.1

BayFirst Financial Corp. Reports First Quarter 2024 Results; Highlighted by Strong Loan and Deposit Growth with Higher Provision for Credit Losses

Contacts: Thomas G. Zernick Scott J. McKim Chief Executive Officer Chief Financial Officer 727.399.5680 727.521.7085 BayFirst Financial Corp. Reports First Quarter 2024 Results; Highlighted by Strong Loan and Deposit Growth with Higher Provision for Credit Losses ST. PETERSBURG, FL. — April 25, 2024 — BayFirst Financial Corp. (NASDAQ: BAFN) (“BayFirst” or the “Company”), parent company of BayFirst

April 5, 2024 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.

March 28, 2024 EX-99.1

BayFirst Announces First Quarter 2024 Conference Call and Webcast

Contacts: Megan Brewster Scott McKim Public Relations Manager Chief Financial Officer 727.

March 28, 2024 EX-97

Executive Incentive Compensation Clawback Policy

POLICY 1685 Approved November 28, 2023 Executive Incentive Compensation Clawback Policy DEFINITION AND PURPOSE Pursuant to Securities and Exchange Commission Rule 10D-1 and Nasdaq Marketplace Rule 5608, the Board of Directors of BayFirst Financial Corp.

March 28, 2024 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-41068

March 28, 2024 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) March 28, 2024 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commission f

January 29, 2024 EX-99.1

BayFirst Financial Corp.

BayFirst Financial Corp. Fourth Quarter 2023 Earnings Call CORPORATE SPEAKERS: Thomas G. Zernick BayFirst Financial; Chief Executive Officer and Director Robin L. Oliver BayFirst Financial; President, Chief Operating Officer Scott J. McKim BayFirst Financial; EVP, Chief Financial Officer PRESENTATION Operator Good morning, ladies and gentlemen, and welcome to the BayFirst Financial Corp's Fourth Q

January 29, 2024 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) January 26, 2024 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commission

January 25, 2024 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) January 25, 2024 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commission

January 25, 2024 EX-99.1

BayFirst Financial Corp. Reports Fourth Quarter 2023 Results; Highlighted by Net Interest Margin Expansion and Strong SBA Loan Originations

Contacts: Thomas G. Zernick Scott J. McKim Chief Executive Officer Chief Financial Officer 727.399.5680 727.521.7085 BayFirst Financial Corp. Reports Fourth Quarter 2023 Results; Highlighted by Net Interest Margin Expansion and Strong SBA Loan Originations ST. PETERSBURG, FL. — January 25, 2024 — BayFirst Financial Corp. (NASDAQ: BAFN) (“BayFirst” or the “Company”), parent company of BayFirst Nati

January 25, 2024 EX-99.2

BayFirst Financial Corp. (NASDAQ:BAFN) 2023 – Fourth Quarter Results (Unaudited) 22 In addition to the historical information contained herein, this presentation includes "forward-looking statements" within the meaning of such term in the Private Sec

BayFirst Financial Corp. (NASDAQ:BAFN) 2023 – Fourth Quarter Results (Unaudited) 22 In addition to the historical information contained herein, this presentation includes "forward-looking statements" within the meaning of such term in the Private Securities Litigation Reform Act of 1995. These statements are subject to many risks and uncertainties, including, but not limited to, the effects of hea

January 2, 2024 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) January 1, 2024 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commission

January 2, 2024 8-K

Entry into a Material Definitive Agreement, Unregistered Sales of Equity Securities, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) December 29, 2023 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commissio

January 2, 2024 EX-99.1

BayFirst Financial Corp. Appoints Thomas G. Zernick as CEO and Names Robin Oliver as President, Effective January 1, 2024

Contacts: Megan Brewster Scott McKim Public Relations Manager Chief Financial Officer 617.

December 29, 2023 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) December 29, 2023 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commissio

December 29, 2023 EX-99.1

BayFirst Announces Fourth Quarter 2023 Conference Call and Webcast

Contacts: Megan Brewster Scott McKim Public Relations Manager Chief Financial Officer 727.

December 1, 2023 8-K

Entry into a Material Definitive Agreement, Unregistered Sales of Equity Securities, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) November 30, 2023 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commissio

November 13, 2023 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 0

November 2, 2023 8-K

Entry into a Material Definitive Agreement, Unregistered Sales of Equity Securities, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) October 31, 2023 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commission

October 31, 2023 EX-99.1

BayFirst Financial Corp.

BayFirst Financial Corp. Third Quarter 2023 Earnings Call CORPORATE SPEAKERS: Anthony N. Leo BayFirst Financial; Chief Executive Officer and Director Scott J. McKim BayFirst Financial; EVP, Chief Financial Officer Robin L. Oliver BayFirst Financial; EVP, Chief Operating Officer Thomas G. Zernick BayFirst Financial; President and Director PRESENTATION Operator Good morning, ladies and gentlemen, an

October 31, 2023 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) October 27, 2023 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commission

October 26, 2023 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) October 26, 2023 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commission

October 26, 2023 EX-99.1

BayFirst Financial Corp. Reports Third Quarter 2023 Results; Highlighted by Third Consecutive Quarter of Earnings Growth and Continued Core Loan and Deposit Growth

Contacts: Anthony N. Leo Scott J. McKim Chief Executive Officer Chief Financial Officer 727.399.5678 727.521.7085 BayFirst Financial Corp. Reports Third Quarter 2023 Results; Highlighted by Third Consecutive Quarter of Earnings Growth and Continued Core Loan and Deposit Growth ST. PETERSBURG, FL. — October 26, 2023 — BayFirst Financial Corp. (NASDAQ: BAFN) (“BayFirst” or the “Company”), parent com

October 26, 2023 EX-99.2

BayFirst Financial Corp. (NASDAQ:BAFN) 2023 – Second Quarter Results (Unaudited) 22 In addition to the historical information contained herein, this presentation includes "forward-looking statements" within the meaning of such term in the Private Sec

BayFirst Financial Corp. (NASDAQ:BAFN) 2023 – Second Quarter Results (Unaudited) 22 In addition to the historical information contained herein, this presentation includes "forward-looking statements" within the meaning of such term in the Private Securities Litigation Reform Act of 1995. These statements are subject to many risks and uncertainties, including, but not limited to, the effects of hea

October 19, 2023 8-K

Entry into a Material Definitive Agreement, Unregistered Sales of Equity Securities, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) October 18, 2023 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commission

October 2, 2023 8-K

Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Entry into a Material Definitive Agreement, Unregistered Sales of Equity Securities, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) September 29, 2023 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commissi

October 2, 2023 EX-10.1

Form of Stock Purchase Agreement.

BAYFIRST FINANCIAL CORP. SUBSCRIPTION AGREEMENT -PLEASE READ CAREFULLY- This Subscription Agreement (the “Subscription Agreement”) should be completed in accordance with these instructions and returned, along with a photocopy of each undersigned’s state-issued driver’s license or photo identification card, to: BayFirst Financial Corp. (the “Company”) Attention: Mr. Scott McKim Chief Financial Offi

October 2, 2023 EX-4.1

Form of Series C Cumulative Convertible Preferred Stock certificate

1 2

October 2, 2023 EX-3.1

Amendment to Articles of Incorporation, dated September 7, 2023

BAYFIRST FINANCIAL CORP. ARTICLES OF AMENDMENT TO THE ARTICLES OF INCORPORATION CERTIFICATE OF THE DESIGNATION, PREFERENCES, RIGHTS, AND LIMITATIONS OF SERIES C CUMULATIVE CONVERTIBLE PREFERRED STOCK The undersigned Chief Executive Officer of BayFirst Financial Corp., a corporation organized and in active status under the laws of the State of Florida, does hereby certify that the Board of Director

September 29, 2023 EX-99.1

BayFirst Announces Third Quarter 2023 Conference Call and Webcast

Contacts: Megan Brewster Scott McKim Public Relations Manager Chief Financial Officer 727.

September 29, 2023 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) September 29, 2023 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commissi

August 11, 2023 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-41

August 1, 2023 EX-99.1

BayFirst Financial Corp.

BayFirst Financial Corp. Second Quarter 2023 Earnings Call CORPORATE SPEAKERS: Anthony Leo BayFirst Financial; Chief Executive Officer Robin Oliver BayFirst Financial; EVP, Chief Operating Officer Thomas Zernick BayFirst Financial; President PARTICIPANTS: Justin Marca Hovde Group; Analyst PRESENTATION Operator^ Good morning, ladies and gentlemen, and welcome to the BayFirst Financial Corp's second

August 1, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) July 28, 2023 BAYFIRST FINANCIAL C

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) July 28, 2023 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commission fi

July 27, 2023 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) July 27, 2023 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commission fi

July 27, 2023 EX-99.1

BayFirst Financial Corp. Reports Second Quarter 2023 Results; Highlighted by Continued Core Bank Growth and a Stable Net Interest Margin

Contacts: Anthony N. Leo Robin L. Oliver Chief Executive Officer Chief Operating Officer 727.399.5678 727.685.2082 BayFirst Financial Corp. Reports Second Quarter 2023 Results; Highlighted by Continued Core Bank Growth and a Stable Net Interest Margin ST. PETERSBURG, FL. — July 27, 2023 — BayFirst Financial Corp. (NASDAQ: BAFN) (“BayFirst” or the “Company”), parent company of BayFirst National Ban

July 27, 2023 EX-99.2

BayFirst Financial Corp. (NASDAQ:BAFN) 2023 – Second Quarter Results (Unaudited) 22 In addition to the historical information contained herein, this presentation includes "forward-looking statements" within the meaning of such term in the Private Sec

BayFirst Financial Corp. (NASDAQ:BAFN) 2023 – Second Quarter Results (Unaudited) 22 In addition to the historical information contained herein, this presentation includes "forward-looking statements" within the meaning of such term in the Private Securities Litigation Reform Act of 1995. These statements are subject to many risks and uncertainties, including, but not limited to, the effects of hea

July 25, 2023 EX-99.1

BayFirst Financial Corp. Names Scott J. McKim Next Chief Financial Officer at BayFirst National Bank

Contacts: Megan Brewster AVP, Public Relations 727.258.5614 BayFirst Financial Corp. Names Scott J. McKim Next Chief Financial Officer at BayFirst National Bank ST. PETERSBURG, FL. — July 25, 2023 — BayFirst Financial Corp. (NASDAQ: BAFN), announced today the appointment of Scott J. McKim as Executive Vice President and Chief Financial Officer (CFO) of BayFirst Financial Corp. and its wholly owned

July 25, 2023 EX-10.1

Employment Agreement by and among Scott J. McKim, BayFirst Financial Corp., and BayFirst National Bank, dated July 24, 2023

EMPLOYMENT AGREEMENT THIS EMPLOYMENT AGREEMENT (this “Agreement”) dated as of July 24, 2023, is made by and among BayFirst Financial Corp.

July 25, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) July 24, 2023 BAYFIRST FINANCIAL C

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) July 24, 2023 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commission fi

June 30, 2023 EX-99.1

BayFirst Announces Second Quarter 2023 Conference Call and Webcast

Contacts: Megan Brewster Robin L. Oliver Public Relations Manager Chief Operating Officer and Chief Financial Officer 727.258.5614 727.685.2082 BayFirst Announces Second Quarter 2023 Conference Call and Webcast ST. PETERSBURG, Florida – June 30, 2023 – BayFirst Financial Corp. (NASDAQ: BAFN) (“BayFirst” or the “Company”), parent company of BayFirst National Bank (the “Bank”) today announced that i

June 30, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) June 30, 2023 BAYFIRST FINANCIAL C

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) June 30, 2023 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commission fi

May 22, 2023 8-K

Financial Statements and Exhibits, Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) May 18, 2023 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commission fil

May 18, 2023 EX-99.1

BayFirst Financial Corp. Officers Meeting Q1 2022 ANNUAL MEETING OF SHAREHOLDERS BAYFIRST FINANCIAL CORP. Thursday, May 18, 2023 BARK HERE. BANK HERE. AGENDA • WELCOME & INTRODUCTIONS • CEO’S REPORT • SHAREHOLDER Q&A Dianne Carney, VP, Director, Lear

a2023annualshareholdersm BayFirst Financial Corp. Officers Meeting Q1 2022 ANNUAL MEETING OF SHAREHOLDERS BAYFIRST FINANCIAL CORP. Thursday, May 18, 2023 BARK HERE. BANK HERE. AGENDA • WELCOME & INTRODUCTIONS • CEO’S REPORT • SHAREHOLDER Q&A Dianne Carney, VP, Director, Learning & Development & Valerie Fulbright, SVP, Community Engagement Officer • MEETING REPORT Robin L. Oliver, Chief Operating O

May 18, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) May 18, 2023 BAYFIRST FINANCIAL CO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) May 18, 2023 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commission fil

May 15, 2023 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-4

May 1, 2023 EX-99.1

BayFirst Financial Corp. (Q1 2023) April 28, 2023

BayFirst Financial Corp. (Q1 2023) April 28, 2023 Corporate Speakers: •Anthony Leo; BayFirst Financial Corp.; Director and Chief Executive Officer •Thomas Zernick; BayFirst Financial Corp.; Director and President •Robin Oliver; BayFirst Financial Corp.; EVP, CFO, COO Participants: •Justin Marca; Hovde Group; Analyst PRESENTATION Operator^ Good morning, ladies and gentlemen, and welcome to the BayF

May 1, 2023 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) April 28, 2023 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commission f

April 27, 2023 EX-99.2

BayFirst Financial Corp. (NASDAQ:BAFN) 2023 – First Quarter Results (Unaudited) 22 In addition to the historical information contained herein, this presentation includes "forward-looking statements" within the meaning of such term in the Private Secu

bayfirstinvestorpresenta BayFirst Financial Corp. (NASDAQ:BAFN) 2023 – First Quarter Results (Unaudited) 22 In addition to the historical information contained herein, this presentation includes "forward-looking statements" within the meaning of such term in the Private Securities Litigation Reform Act of 1995. These statements are subject to many risks and uncertainties, including, but not limite

April 27, 2023 EX-99.1

BayFirst Financial Corp. Reports First Quarter 2023 Results; Highlighted by Exceptional Core Deposit Growth and Strong Balance Sheet Liquidity

Contacts: Anthony N. Leo Robin L. Oliver Chief Executive Officer Chief Operating Officer and Chief Financial Officer 727.399.5678 727.685.2082 BayFirst Financial Corp. Reports First Quarter 2023 Results; Highlighted by Exceptional Core Deposit Growth and Strong Balance Sheet Liquidity ST. PETERSBURG, FL. — April 27, 2023 — BayFirst Financial Corp. (NASDAQ: BAFN) (“BayFirst” or the “Company”), pare

April 27, 2023 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) April 27, 2023 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commission f

April 6, 2023 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.

March 31, 2023 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) March 31, 2023 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commission f

March 31, 2023 EX-99.1

BayFirst Announces First Quarter 2023 Conference Call and Webcast

Contacts: Megan Brewster Robin L. Oliver Public Relations Manager Chief Operating Officer and Chief Financial Officer 727.258.5614 727.685.2082 BayFirst Announces First Quarter 2023 Conference Call and Webcast ST. PETERSBURG, Florida – March 31, 2023 – BayFirst Financial Corp. (NASDAQ: BAFN) (“BayFirst” or the “Company”), parent company of BayFirst National Bank (the “Bank”) today announced that i

March 28, 2023 EX-21.1

Subsidiaries of Registrant

Exhibit 21.1 Subsidiaries of BayFirst Financial Corp. BayFirst National Bank (formerly First Home Bank)

March 28, 2023 EX-10.3

Amended and Restated 2017 Equity Incentive Plan

EX-10.3 2 a103bayfirst2017equityince.htm EX-10.3 BAYFIRST FINANCIAL CORP. AMENDED AND RESTATED 2017 EQUITY INCENTIVE PLAN Section 1. General Purpose of Plan; Definitions. The name of this plan is the BayFirst Financial Corp. Amended and Restated 2017 Equity Incentive Plan (the “Plan”). The Plan was approved by the Board of Directors on February 20, 2018 (the “Effective Date”), adopted by the share

March 28, 2023 EX-10.5

Form of Restricted Stock Award Grant Notice under Amended and Restated 2017 Equity Incentive Plan

BAYFIRST FINANCIAL CORP. 2017 EQUITY INCENTIVE PLAN Restricted Stock Award Grant Notice Participant Name: Company: BayFirst Financial Corp. Notice: A summary of the terms of your grant of Restricted Shares is set out in this notice (the “Grant Notice”) but subject always to the terms of the BayFirst Financial Corp. 2017 Equity Incentive Plan (the “Plan”) and the Restricted Stock Award Agreement (t

March 28, 2023 EX-10.7

Amended and Restated Dividend Reinvestment and Stock Purchase Plan

BAYFIRST FINANCIAL CORP. AMENDED AND RESTATED DIVIDEND REINVESTMENT AND STOCK PURCHASE PLAN General Terms Introduction All holders of record of Shares are eligible to participate in the Plan. Beneficial owners of Shares whose shares are registered in names other than their own name may participate by requesting their broker or nominee to transfer their Shares into their own name or requesting that

March 28, 2023 EX-14.1

Code of Ethics

Code of Ethics PREFACE On July 27, 2021, the Board of Directors of BayFirst Financial Corp.

March 28, 2023 EX-10.6

Form of Restricted Stock Unit Award Grant Notice under Amended and Restated 2017 Equity Incentive Plan

BAYFIRST FINANCIAL CORP. 2017 EQUITY INCENTIVE PLAN Restricted Stock UNIT Award Grant Notice Participant Name: Company: BayFirst Financial Corp. Notice: A summary of the terms of your grant of Restricted Stock Unit (RSU) Award is set out in this notice (the “Grant Notice”) but subject always to the terms of the BayFirst Financial Corp. 2017 Equity Incentive Plan (the “Plan”) and the Restricted Sto

March 28, 2023 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-41068

March 28, 2023 EX-10.4

Form of Stock Option Agreement under Amended and Restated 2017 Equity Incentive Plan

BAYFIRST FINANCIAL CORP. 2017 EQUITY INCENTIVE PLAN STOCK OPTION AGREEMENT THIS STOCK OPTION AGREEMENT (this “Agreement”) is entered into as of this day of , between BayFirst Financial Corp., a Florida corporation (the “Company”), and (the “Optionee”). WHEREAS, on February 2, 2017, the Board of Directors of the Company adopted the “BayFirst Financial Corp. 2017 Equity Incentive Plan” (the “Plan”),

March 6, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) February 28, 2023 BAYFIRST FINANCI

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) February 28, 2023 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commissio

March 6, 2023 EX-99.1

BayFirst Announces Stock Repurchase Program

Contact: Megan Brewster Robin L. Oliver Public Relations Manager Chief Operating Officer and Chief Financial Officer 727.258.5614 727.685.2082 BayFirst Announces Stock Repurchase Program ST. PETERSBURG, Florida – March 6, 2023 – BayFirst Financial Corp. (NASDAQ: BAFN) (“BayFirst” or the “Company”), parent company of BayFirst National Bank (the “Bank”) today announced that its Board of Directors ha

February 6, 2023 EX-99.1

BayFirst Announces Retirement of Anthony N. Leo as CEO at Year-end 2023, and Appointment of Thomas G. Zernick as a Director and Successor CEO

Contact: Megan Brewster Robin L. Oliver Public Relations Manager Chief Operating Officer and Chief Financial Officer 727.258.5614 727.685.2082 BayFirst Announces Retirement of Anthony N. Leo as CEO at Year-end 2023, and Appointment of Thomas G. Zernick as a Director and Successor CEO ST. PETERSBURG, Florida - February 6, 2023 - BayFirst Financial Corp. (the "Company") (NASDAQ: BAFN) announced toda

February 6, 2023 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) February 6, 2023 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commission

February 1, 2023 EX-99.1

BayFirst Financial Corp. (Q4 2022) January 27, 2023

BayFirst Financial Corp. (Q4 2022) January 27, 2023 Corporate Speakers: •Anthony Leo; Chief Executive Officer; BayFirst Financial Corp. •Thomas Zernick; President; BayFirst Financial Corp. •Robin Oliver; Chief Operating Officer and Chief Financial Officer; BayFirst Financial Corp. •Julienne Cassarino, Principal Analyst; Sycamore Analytics LLC PRESENTATION Operator^ Good morning, ladies and gentlem

February 1, 2023 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) January 27, 2023 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commission

January 26, 2023 EX-99.1

BayFirst Financial Corp. Reports Fourth Quarter 2022 Results; Highlighted by Strong Conventional Loan Production

Contacts: Anthony N. Leo Robin L. Oliver Chief Executive Officer Chief Financial Officer 727.399.5678 727.685.2082 BayFirst Financial Corp. Reports Fourth Quarter 2022 Results; Highlighted by Strong Conventional Loan Production ST. PETERSBURG, FL. — January 26, 2023 — BayFirst Financial Corp. (NASDAQ: BAFN) (“BayFirst” or the “Company”), parent company of BayFirst National Bank (the “Bank”) today

January 26, 2023 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) January 24, 2023 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commission

January 26, 2023 EX-99.2

BayFirst Financial Corp. (NASDAQ:BAFN) 2022 – Year-end and Fourth Quarter Results (Unaudited) 22 In addition to the historical information contained herein, this presentation includes "forward-looking statements" within the meaning of such term in th

BayFirst Financial Corp. (NASDAQ:BAFN) 2022 – Year-end and Fourth Quarter Results (Unaudited) 22 In addition to the historical information contained herein, this presentation includes "forward-looking statements" within the meaning of such term in the Private Securities Litigation Reform Act of 1995. These statements are subject to many risks and uncertainties, including, but not limited to, the e

January 25, 2023 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) January 24, 2023 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commission

January 9, 2023 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) January 9, 2023 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commission

January 9, 2023 EX-99.1

BayFirst Financial Corp. Announces Fourth Quarter 2022 Conference Call and Webcast

EX-99.1 2 bayfirstq42022earningscall.htm EX-99.1 Contacts: Anthony N. Leo Robin L. Oliver Chief Executive Officer Chief Financial Officer 727.399.5678 727.685.2082 BayFirst Financial Corp. Announces Fourth Quarter 2022 Conference Call and Webcast ST. PETERSBURG, FL. — January 9, 2023 — BayFirst Financial Corp. (NASDAQ: BAFN) (“BayFirst” or the “Company”), parent company of BayFirst National Bank (

December 16, 2022 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) December 12, 2022 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commissio

December 12, 2022 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) December 9, 2022 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commission

November 10, 2022 EX-10.3

Amended and Restated 2017 Equity Incentive Plan

AMENDMENT ONE TO FIRST HOME BANCORP, INC. AMENDED AND RESTATED 2017 EQUITY INCENTIVE PLAN This Amendment One (the ?Amendment?) to the First Home Bancorp, Inc. 2017 Equity Incentive Plan (the ?Plan?) is hereby adopted, effective as of September 27, 2022, the date of adoption (the ?Amendment Effective Date?). Terms capitalized herein that are not defined herein shall have the same meaning as set for

November 10, 2022 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2022 o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 0

November 7, 2022 EX-99.1

BayFirst Financial Corp. (NASDAQ:BAFN) 2022 – Third Quarter Results (Unaudited) Q3 2022 BayFirst Investor Presentation 2 Cautionary Statement Concerning Forward-Looking Information In addition to the historical information contained herein, this pres

BayFirst Financial Corp. (NASDAQ:BAFN) 2022 – Third Quarter Results (Unaudited) Q3 2022 BayFirst Investor Presentation 2 Cautionary Statement Concerning Forward-Looking Information In addition to the historical information contained herein, this presentation includes "forward-looking statements" within the meaning of such term in the Private Securities Litigation Reform Act of 1995. These statemen

November 7, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) November 7, 2022 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commission

October 28, 2022 EX-99.1

BayFirst Financial Corp. Reports Third Quarter 2022 Results; Highlighted by Strong SBA 7(a) and Conventional Loan Production and Net Interest Margin Expansion

Contacts: Anthony N. Leo Robin L. Oliver Chief Executive Officer Chief Financial Officer 727.399.5678 727.685.2082 BayFirst Financial Corp. Reports Third Quarter 2022 Results; Highlighted by Strong SBA 7(a) and Conventional Loan Production and Net Interest Margin Expansion ST. PETERSBURG, FL. ? October 28, 2022 ? BayFirst Financial Corp. (NASDAQ: BAFN) (?BayFirst? or the ?Company?), parent company

October 28, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) October 25, 2022 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commission

September 21, 2022 EX-99.1

Contacts: Anthony N. Leo Robin L. Oliver Chief Executive Officer Chief Financial Officer 727.399.5678 727.685.2082 BayFirst Financial Corp. To Discontinue Nationwide Network of Residential Mortgage LPOs

Contacts: Anthony N. Leo Robin L. Oliver Chief Executive Officer Chief Financial Officer 727.399.5678 727.685.2082 BayFirst Financial Corp. To Discontinue Nationwide Network of Residential Mortgage LPOs ST. PETERSBURG, Fl. ? September 21, 2022 ? BayFirst Financial Corp. (NASDAQ: BAFN) (the ?Company?), parent company of BayFirst National Bank (the "Bank"), today announced that due to the precipitou

September 21, 2022 8-K

Financial Statements and Exhibits, Costs Associated with Exit or Disposal Activities

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) September 21, 2022 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commissi

September 19, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) September 19, 2022 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commissi

September 19, 2022 EX-99.1

BayFirst Financial Corp. (NASDAQ:BAFN) Janney Community Bank Forum September 2022 Janney Community Bank Forum 2 Cautionary Statement Concerning Forward-Looking Information In addition to the historical information contained herein, this presentation

EX-99.1 2 bayfirstinvestorpresenta.htm EX-99.1 BayFirst Financial Corp. (NASDAQ:BAFN) Janney Community Bank Forum September 2022 Janney Community Bank Forum 2 Cautionary Statement Concerning Forward-Looking Information In addition to the historical information contained herein, this presentation includes "forward-looking statements" within the meaning of such term in the Private Securities Litigat

September 6, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) September 6, 2022 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commissio

September 6, 2022 EX-99.1

BayFirst Financial Corp. (NASDAQ:BAFN) Raymond James US Bank Conference September 2022 2022 Raymond James US Bank Conference 2 Cautionary Statement Concerning Forward-Looking Information In addition to the historical information contained herein, thi

EX-99.1 2 bayfirstfinancialcorp-in.htm EX-99.1 BayFirst Financial Corp. (NASDAQ:BAFN) Raymond James US Bank Conference September 2022 2022 Raymond James US Bank Conference 2 Cautionary Statement Concerning Forward-Looking Information In addition to the historical information contained herein, this presentation includes "forward-looking statements" within the meaning of such term in the Private Sec

August 16, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) August 16, 2022 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commission

August 16, 2022 EX-99.1

BayFirst Financial Corp. (NASDAQ:BAFN) 2022 – Second Quarter Results (Unaudited) Cautionary Statement Concerning Forward-Looking Information BAFN Q2 2022 In addition to the historical information contained herein, this presentation includes "forward-

BayFirst Financial Corp. (NASDAQ:BAFN) 2022 ? Second Quarter Results (Unaudited) Cautionary Statement Concerning Forward-Looking Information BAFN Q2 2022 In addition to the historical information contained herein, this presentation includes "forward-looking statements" within the meaning of such term in the Private Securities Litigation Reform Act of 1995. These statements are subject to many risk

August 12, 2022 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-41

August 3, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) August 3, 2022 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commission f

August 3, 2022 EX-99.1

BayFirst Financial Corp. Revises Its Second Quarter 2022 Results; Highlighted by Strong SBA 7(a) and Conventional Loan Production, Improved Operating Efficiencies, and Net Interest Margin Expansion

Contacts: Anthony N. Leo Robin L. Oliver Chief Executive Officer Chief Financial Officer 727.399.5678 727.685.2082 BayFirst Financial Corp. Revises Its Second Quarter 2022 Results; Highlighted by Strong SBA 7(a) and Conventional Loan Production, Improved Operating Efficiencies, and Net Interest Margin Expansion ST. PETERSBURG, FL. — August 3, 2022 — BayFirst Financial Corp. (NASDAQ: BAFN) (“BayFir

July 28, 2022 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) July 26, 2022 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commission fi

July 28, 2022 EX-99.1

Contacts: Anthony N. Leo Robin L. Oliver Chief Executive Officer Chief Financial Officer 727.399.5678 727.685.2082 BayFirst Financial Corp. Declares Quarterly Cash Dividend of $0.08 Per Common Share

Contacts: Anthony N. Leo Robin L. Oliver Chief Executive Officer Chief Financial Officer 727.399.5678 727.685.2082 BayFirst Financial Corp. Declares Quarterly Cash Dividend of $0.08 Per Common Share ST. PETERSBURG, Fla. ? July 28, 2022 ? BayFirst Financial Corp. (NASDAQ: BAFN) (the ?Company?), parent company of BayFirst National Bank (the "Bank"), today announced its Board of Directors declared a

July 27, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) July 27, 2022 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commission fi

July 27, 2022 EX-99.1

BayFirst Financial Corp. Reports Second Quarter 2022 Results; Highlighted by Strong SBA 7(a) and Conventional Loan Production, Improved Operating Efficiencies, and Net Interest Margin Expansion

Contacts: Anthony N. Leo Robin L. Oliver Chief Executive Officer Chief Financial Officer 727.399.5678 727.685.2082 BayFirst Financial Corp. Reports Second Quarter 2022 Results; Highlighted by Strong SBA 7(a) and Conventional Loan Production, Improved Operating Efficiencies, and Net Interest Margin Expansion ST. PETERSBURG, FL. ? July 27, 2022 ? BayFirst Financial Corp. (NASDAQ: BAFN) (?BayFirst? o

June 1, 2022 8-K

Financial Statements and Exhibits, Changes in Registrant's Certifying Accountant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) June 1, 2022 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commission fil

June 1, 2022 EX-16.1

FORVIS, LLP to the Securities and Exchange Commission, dated June 1, 2022

June 1, 2022 U.S. Securities and Exchange Commission 100 F Street, NE Washington, DC 20549 Ladies and Gentlemen: We have read Item 4.01 of Form 8-K dated June 1, 2022 of BayFirst Financial Corp. and are in agreement with the statements therein concerning Dixon Hughes Goodman LLP, BKD, LLP and FORVIS, LLP. We have no basis to agree or disagree with other statements of the registrant contained there

May 23, 2022 8-K

Financial Statements and Exhibits, Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) May 19, 2022 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commission fil

May 19, 2022 EX-99.1

BayFirst Financial Corp. (NASDAQ:BAFN) 2022 – First Quarter Results (Unaudited) Cautionary Statement Concerning Forward-Looking Information 2BAFN Q1 2022 In addition to the historical information contained herein, this presentation includes "forward-

bafnq12022investorpresen BayFirst Financial Corp. (NASDAQ:BAFN) 2022 – First Quarter Results (Unaudited) Cautionary Statement Concerning Forward-Looking Information 2BAFN Q1 2022 In addition to the historical information contained herein, this presentation includes "forward-looking statements" within the meaning of such term in the Private Securities Litigation Reform Act of 1995. These statements

May 19, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) May 19, 2022 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commission fil

May 18, 2022 8-K

Financial Statements and Exhibits, Costs Associated with Exit or Disposal Activities

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) May 12, 2022 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commission fil

May 16, 2022 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) May 16, 2022 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commission fil

May 13, 2022 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-4

April 29, 2022 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) April 26, 2022 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commission f

April 29, 2022 EX-99.1

Contacts: Anthony N. Leo Jeffrey M. Hunt Chief Executive Officer Chief Strategy Officer 727.399.5678 727.399.5687 BayFirst Financial Corp. Declares Quarterly Cash Dividend of $0.08 Per Common Share

Contacts: Anthony N. Leo Jeffrey M. Hunt Chief Executive Officer Chief Strategy Officer 727.399.5678 727.399.5687 BayFirst Financial Corp. Declares Quarterly Cash Dividend of $0.08 Per Common Share ST. PETERSBURG, Fla. ? April 29, 2022 ? BayFirst Financial Corp. (f/k/a First Home Bancorp, Inc.) (NASDAQ: BAFN) (?BayFirst? or the ?Company?), parent company of First Home Bank (d/b/a BayFirst Bank), t

April 28, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) April 28, 2022 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commission f

April 28, 2022 EX-99.1

BayFirst Financial Corp. Reports First Quarter 2022 Results

Contacts: Anthony N. Leo Jeffrey M. Hunt Chief Executive Officer Chief Strategy Officer 727.399.5678 727.399.5687 BayFirst Financial Corp. Reports First Quarter 2022 Results ST. PETERSBURG, FL. ? April 28, 2022 ? BayFirst Financial Corp. (f/k/a First Home Bancorp, Inc.) (NASDAQ: BAFN) (?BayFirst? or the ?Company?), parent company of First Home Bank (d/b/a BayFirst Bank) (the ?Bank?) reported earni

April 7, 2022 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.

April 5, 2022 EX-10.2

Employment Agreement with Robin L. Oliver, dated October 20, 2021

EMPLOYMENT AGREEMENT THIS EMPLOYMENT AGREEMENT (this ?Agreement?) dated as of October 20, 2021, is made by and among BayFirst Financial Corp.

April 5, 2022 EX-10.1

Employment Agreement with Thomas G. Zernick, dated October 20, 2021

EX-10.1 2 ex101thomaszernickemployme.htm EX-10.1 EMPLOYMENT AGREEMENT THIS EMPLOYMNT AGREEMENT (this “Agreement”) dated as of October 20, 2021, is made by and among BayFirst Financial Corp., a corporation organized under the laws of the State of Florida (the “Company”), First Home Bank, a banking corporation organized under the laws of the State of Florida and wholly-owned subsidiary of the Compan

April 5, 2022 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) April 5, 2022 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commission fi

March 31, 2022 EX-14.1

Code of Ethics

Code of Ethics PREFACE On July 27, 2021, the Board of Directors of BayFirst Financial Corp.

March 31, 2022 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-41068

March 9, 2022 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) March 4, 2022 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commission fi

March 4, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) March 4, 2022 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commission fi

March 4, 2022 EX-99.1

BayFirst Financial Corp. (NASDAQ:BAFN) 2021 – Fourth Quarter Results (Unaudited) Cautionary Statement Concerning Forward-Looking Information 2BAFN Q4 2021 In addition to the historical information contained herein, this presentation includes "forward

BayFirst Financial Corp. (NASDAQ:BAFN) 2021 ? Fourth Quarter Results (Unaudited) Cautionary Statement Concerning Forward-Looking Information 2BAFN Q4 2021 In addition to the historical information contained herein, this presentation includes "forward-looking statements" within the meaning of such term in the Private Securities Litigation Reform Act of 1995. These statements are subject to many ris

February 14, 2022 S-8 POS

As filed with the Securities and Exchange Commission on February 14, 2022 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 POST-EFFECTIVE AMENDMENT #1 TO FORM S-8/A REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 BAYFIR

Registration No. 333-261064 As filed with the Securities and Exchange Commission on February 14, 2022 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 POST-EFFECTIVE AMENDMENT #1 TO FORM S-8/A REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 59-3665079 (State or other jurisdiction

February 11, 2022 424B4

BayFirst Financial Corp. 100,000 Shares of Common Stock

424B4 1 a2022424b4drip.htm 424B4 Table of Contents Filed pursuant to Rule 424(b)(4) Registration No. 333-262263 BayFirst Financial Corp. 100,000 Shares of Common Stock We are offering, through our Dividend Reinvestment and Stock Purchase Plan, to all holders of our common stock, the opportunity to automatically reinvest their cash dividends in shares of our common stock and to make optional cash p

February 10, 2022 EX-99.1

BayFirst Financial Corp. Appoints Sheryl WuDunn to Board of Directors First Pulitzer-Prize Winning Asian-American Reporter and Co-Founder of Tech Investment Firm Adds Strength in Technology

Contacts: Anthony N. Leo Jeffrey M. Hunt Chief Executive Officer Chief Strategy Officer 727.399.5678 727.399.5687 BayFirst Financial Corp. Appoints Sheryl WuDunn to Board of Directors First Pulitzer-Prize Winning Asian-American Reporter and Co-Founder of Tech Investment Firm Adds Strength in Technology ST. PETERSBURG, FL. ? February 10, 2022 ?BayFirst Financial Corp. (NASDAQ: BAFN) (?BayFirst? or

February 10, 2022 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) February 10, 2022 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commissio

February 9, 2022 CORRESP

BAYFIRST FINANCIAL CORP. February 9, 2022

BAYFIRST FINANCIAL CORP. February 9, 2022 Securities and Exchange Commission Division of Corporation Finance Attention: John Stickel Re: BayFirst Financial Corp. Registration Statement on Form S-1, as amended File No. 333-262263 Ladies and Gentlemen: Pursuant to the provisions of 12 CFR Section 230.461, BayFirst Financial Corp., a Florida corporation, hereby respectfully requests that the effectiv

February 7, 2022 S-1/A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Amendment No. 1 FORM S-1 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter)

Registration No. 333-262263 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Amendment No. 1 to FORM S-1 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 6022 59-3665079 (State or other jurisdiction of incorporation or organization) (Primary Standard Industrial Classification Code

February 1, 2022 EX-99.1

BayFirst Financial Corp., Parent Company of St. Petersburg-Based First Home Bank, Announces Key Executive Promotions Tom Zernick Promoted to President of First Home Bank Robin Oliver Promoted to Chief Operating Officer and CFO

EX-99.1 2 a991bayfirstmanagementchan.htm EX-99.1 Contacts: Anthony N. Leo Jeffrey M. Hunt Chief Executive Officer Chief Strategy Officer 727.399.5678 727.399.5687 BayFirst Financial Corp., Parent Company of St. Petersburg-Based First Home Bank, Announces Key Executive Promotions Tom Zernick Promoted to President of First Home Bank Robin Oliver Promoted to Chief Operating Officer and CFO ST. PETERS

February 1, 2022 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) February 1, 2022 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commission

January 28, 2022 EX-4.1

Amended and Restated Non-Qualified Stock Purchase Plan

BAYFIRST FINANCIAL CORP. AMENDED AND RESTATED NON-QUALIFIED STOCK PURCHASE PLAN BayFirst Financial Corp. (the ?Company?) believes that it is in the best interest of the Company, its wholly-owned subsidiary, First Home Bank (the ?Bank?), and the Company?s shareholders to permit employees and directors of the Company and/or the Bank to apply a portion of their compensation to the purchase of shares

January 28, 2022 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) January 25, 2022 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commission

January 27, 2022 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) January 27, 2022 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commission

January 27, 2022 EX-99.1

Contacts: Anthony N. Leo Jeffrey M. Hunt Chief Executive Officer Chief Strategy Officer 727.399.5678 727.399.5687 BayFirst Financial Corp. Increases Quarterly Cash Dividend by 14% to $0.08 Per Common Share

Contacts: Anthony N. Leo Jeffrey M. Hunt Chief Executive Officer Chief Strategy Officer 727.399.5678 727.399.5687 BayFirst Financial Corp. Increases Quarterly Cash Dividend by 14% to $0.08 Per Common Share ST. PETERSBURG, FL. ? January 27, 2022 ? BayFirst Financial Corp. (f/k/a First Home Bancorp, Inc.) (NASDAQ: BAFN) (?BayFirst? or the ?Company?), parent company of First Home Bank, today announce

January 26, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) January 26, 2022 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commission

January 26, 2022 EX-99.1

BayFirst Financial Corp. Reports Earnings of $2.81 Million, or $0.61 Per Diluted Common Share, in 4Q21 and $24.62 Million, or $5.74 Per Diluted Common Share, for Year 2021; Highlighted by Strong Loan Production and Tangible Book Value per Common Shar

EX-99.1 2 fhbi4q21earningsrelease.htm EX-99.1 Contacts: Anthony N. Leo Jeffrey M. Hunt Chief Executive Officer Chief Strategy Officer 727.399.5678 727.399.5687 BayFirst Financial Corp. Reports Earnings of $2.81 Million, or $0.61 Per Diluted Common Share, in 4Q21 and $24.62 Million, or $5.74 Per Diluted Common Share, for Year 2021; Highlighted by Strong Loan Production and Tangible Book Value per C

January 20, 2022 S-1

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM S-1 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter)

S-1 1 forms-1prospectusdrip.htm S-1 Registration No. 333-[] UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM S-1 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 6022 59-3665079 (State or other jurisdiction of incorporation or organization) (Primary Standard Industrial Classif

January 3, 2022 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) January 3, 2022 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commission

December 16, 2021 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2021 o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 0

November 30, 2021 EX-99.1

BayFirst Financial Corp. Announces Increase to its Stock Repurchase Program

EX-99.1 2 exhibit991repurchaseprogram.htm EX-99.1 Contacts: Anthony N. Leo Jeffrey M. Hunt Chief Executive Officer Chief Strategy Officer 727.399.5678 727.399.5687 BayFirst Financial Corp. Announces Increase to its Stock Repurchase Program ST. PETERSBURG, Florida – November 30, 2021 — BayFirst Financial Corp. (Nasdaq: BAFN) (f/k/a First Home Bancorp, Inc., OTCQX: FHBI) (“BayFirst” or the “Company”

November 30, 2021 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) November 30, 2021 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commissio

November 22, 2021 8-A12B

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-A FOR REGISTRATION OF CERTAIN CLASSES OF SECURITIES PURSUANT TO SECTION 12(b) OR 12(g) OF THE SECURITIES EXCHANGE ACT OF 1934 BAYFIRST FINANCIAL CORP. (Exact name of registr

8-A12B 1 form8-a12b2021.htm 8-A12B UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-A FOR REGISTRATION OF CERTAIN CLASSES OF SECURITIES PURSUANT TO SECTION 12(b) OR 12(g) OF THE SECURITIES EXCHANGE ACT OF 1934 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida (State or other jurisdiction of incorporation or organization) 59-3665079

November 17, 2021 SC 13G

Berset Mark S - SC 13G

SC 13G 1 markberset13g.htm SC 13G UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. )* BayFirst Financial Corp. (Name of Issuer) Common Stock (Title of Class of Securities) 07279B104 (CUSIP Number) November 12, 2021 (Date of Event which Requires Filing of this Statement) Check the appropriate box to designa

November 15, 2021 EX-4.9

Non-Qualified Employee Stock Purchase Plan

BAYFIRST FINANCIAL CORP. NON-QUALIFIED STOCK PURCHASE PLAN BayFirst Financial Corp. (the ?Company?) believes that it is in the best interest of the Company, its wholly-owned subsidiary, First Home Bank (the ?Bank?), and the Company?s shareholders to permit employees and directors of the Company and/or the Bank to apply a portion of their compensation to the purchase of shares of Company common sto

November 15, 2021 8-A12B

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-A FOR REGISTRATION OF CERTAIN CLASSES OF SECURITIES PURSUANT TO SECTION 12(b) OR 12(g) OF THE SECURITIES EXCHANGE ACT OF 1934 BAYFIRST FINANCIAL CORP. (Exact name of registr

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-A FOR REGISTRATION OF CERTAIN CLASSES OF SECURITIES PURSUANT TO SECTION 12(b) OR 12(g) OF THE SECURITIES EXCHANGE ACT OF 1934 BAYFIRST FINANCIAL CORP.

November 15, 2021 S-8

As filed with the Securities and Exchange Commission on November 15, 2021 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM S-8 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 BAYFIRST FINANCIAL CORP.

S-8 1 forms-8.htm S-8 Registration No. As filed with the Securities and Exchange Commission on November 15, 2021 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM S-8 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 59-3665079 (State or other jurisdiction of (I.R.S. Employer Co

November 12, 2021 424B4

BayFirst Financial Corp. 3,338,420.13 Shares of Common Stock 28,696 Warrants to Purchase Common Stock 43,044 Shares of Common Stock Underlying Warrants

424B4 1 d866147d424b4.htm 424B4 Table of Contents Filed pursuant to Rule 424(b)(4) Registration No. 333-256009 BayFirst Financial Corp. 3,338,420.13 Shares of Common Stock 28,696 Warrants to Purchase Common Stock 43,044 Shares of Common Stock Underlying Warrants This prospectus relates to the registration of the resale of up to 3,338,420.13 shares of our common stock by our stockholders identified

November 10, 2021 CORRESP

BAYFIRST FINANCIAL CORP. November 10, 2021

CORRESP 1 filename1.htm BAYFIRST FINANCIAL CORP. November 10, 2021 Securities and Exchange Commission Division of Corporation Finance Attention: Jessica Livingston and David Lin Re: BayFirst Financial Corp. Registration Statement on Form S-1 Filed May 11, 2021, as amended, File No. 333-256009 Ladies and Gentlemen: Pursuant to the provisions of 12 CFR Section 230.461, BayFirst Financial Corp., a Fl

November 9, 2021 CORRESP

IGLER AND PEARLMAN, P.A. November 9, 2021

IGLER AND PEARLMAN, P.A. November 9, 2021 Securities and Exchange Commission Division of Corporation Finance Attention: Jessica Livingston, David Lin, William Schroeder, and Benjamin Phippen Re: BayFirst Financial Corp. Registration Statement on Form S-1 Filed May 11, 2021, as amended, File No. 333-256009 Ladies and Gentlemen: On behalf BayFirst Financial Corp. (the ?Company?), please accept this

November 3, 2021 S-1/A

As filed with the Securities and Exchange Commission on November 3, 2021

Table of Contents As filed with the Securities and Exchange Commission on November 3, 2021 Registration No.

November 3, 2021 CORRESP

IGLER AND PEARLMAN, P.A. November 3, 2021

IGLER AND PEARLMAN, P.A. November 3, 2021 Securities and Exchange Commission Division of Corporation Finance Attention: Jessica Livingston, David Lin, William Schroeder, and Benjamin Phippen Re: BayFirst Financial Corp. Registration Statement on Form S-1 Filed May 11, 2021 File No. 333-256009 Ladies and Gentlemen: On behalf BayFirst Financial Corp. (the ?Company?), please accept this letter as the

October 1, 2021 CORRESP

IGLER AND PEARLMAN, P.A. October 1, 2021

IGLER AND PEARLMAN, P.A. October 1, 2021 Securities and Exchange Commission Division of Corporation Finance Attention: Jessica Livingston, David Lin, William Schroeder, and Benjamin Phippen Re: BayFirst Financial Corp. Registration Statement on Form S-1 Filed May 11, 2021 File No. 333-256009 Ladies and Gentlemen: On behalf BayFirst Financial Corp. (the ?Company?), please accept this letter as the

October 1, 2021 S-1/A

As filed with the Securities and Exchange Commission on October 1, 2021

S-1/A 1 d866147ds1a.htm FORM S-1/A Table of Contents As filed with the Securities and Exchange Commission on October 1, 2021 Registration No. 333-256009 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Amendment No. 2 to FORM S-1 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 602

August 31, 2021 EX-4.6

Amendment to Warrant Agreement, dated as of July 6, 2021

Exhibit 4.6 FIRST AMENDMENT TO WARRANT AGREEMENT THIS FIRST AMENDMENT TO WARRANT AGREEMENT (this ?Amendment?), dated as of July 6, 2021, amends that certain Warrant Agreement by and between BayFirst Financial Corp. f/k/a First Home Bancorp, Inc., a Florida corporation (the ?Company?), and Continental Stock Transfer & Trust Company, a New York corporation (the ?Warrant Agent?). WHEREAS, the Company

August 31, 2021 S-1/A

As filed with the Securities and Exchange Commission on August 31, 2021

S-1/A 1 d866147ds1a.htm FORM S-1/A Table of Contents As filed with the Securities and Exchange Commission on August 31, 2021 Registration No. 333-256009 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Amendment No. 1 to FORM S-1 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 602

August 31, 2021 EX-10.11

Form of 4.5% Fixed-to-Floating Subordinated Note Due 2021 issued on June 30, 2021

Exhibit 10.11 BAYFIRST FINANCIAL CORP. THIS OBLIGATION IS NOT A DEPOSIT AND IS NOT INSURED BY THE UNITED STATES OR ANY AGENCY OR FUND OF THE UNITED STATES, INCLUDING THE FEDERAL DEPOSIT INSURANCE CORPORATION. THIS OBLIGATION IS SUBORDINATED TO THE CLAIMS OF GENERAL AND SECURED CREDITORS OF THE COMPANY, IS INELIGIBLE AS COLLATERAL FOR ANY EXTENSION OF CREDIT BY THE COMPANY OR ANY OF ITS SUBSIDIARIE

August 30, 2021 CORRESP

IGLER AND PEARLMAN, P.A. August 31, 2021

CORRESP 1 filename1.htm IGLER AND PEARLMAN, P.A. August 31, 2021 Securities and Exchange Commission Division of Corporation Finance Attention: Jessica Livingston, David Lin, William Schroeder, and Benjamin Phippen RE: BayFirst Financial Corp. Registration Statement on Form S-1 Filed May 11, 2021 File No. 333-256009 Ladies and Gentlemen: On behalf BayFirst Financial Corp. (the “Company”), please ac

August 5, 2021 CORRESP

IGLER AND PEARLMAN, P.A. August 5, 2021

IGLER AND PEARLMAN, P.A. August 5, 2021 Securities and Exchange Commission Division of Corporation Finance Attention: Jessica Livingston, David Lin, William Schroeder, and Benjamin Phippen Re: BayFirst Financial Corp. Registration Statement on Form S-1 Filed May 11, 2021 File No. 333-256009 Ladies and Gentlemen: On behalf BayFirst Financial Corp. (the ?Company?), please accept this letter as the C

May 11, 2021 EX-10.8

2015 Non-Qualified Employee Stock Purchase Plan

Exhibit 10.8 FIRST HOME BANCORP, INC. 2015 NON-QUALIFIED EMPLOYEE STOCK PURCHASE PLAN First Home Bancorp, Inc. (the ?Company?) believes that it is in the best interest of the Company, its wholly-owned subsidiary, First Home Bank (the ?Bank?), and the Company?s shareholders to permit employees of the Company and/or the Bank to apply a portion of their compensation to the purchase of shares of Compa

May 11, 2021 EX-3.2

BYLAWS OF FIRST HOME BANCORP, INC.

EX-3.2 3 d866147dex32.htm EX-3.2 Exhibit 3.2 BYLAWS OF FIRST HOME BANCORP, INC. ARTICLE I. MEETINGS OF SHAREHOLDERS Section 1. Annual Meeting. The annual meeting of the Shareholders of this corporation shall be held at the time and place designated by the Board of Directors of the corporation. The annual meeting shall be held within four months after the close of the corporation’s fiscal year. The

May 11, 2021 EX-4.1

Form of common stock certificate

Exhibit 4.1 The following abbreviations, when used in the inscription on the face of this certificate, shall be construed as though they were written out in full according to applicable laws or regulations: TEN COM ? as tenants in common UNIF GIFT MIN ACT Custodian TEN ENT ? as tenants by the entireties (Cust) (Minor) IT TEN ? as joint tenants with right of under Uniform Gifts to Minors Survivorsh

May 11, 2021 EX-10.5

Form of Restricted Stock Award Grant Notice under Amended and Restated 2017 Equity Incentive Plan

Exhibit 10.5 As approved on 2.9.17 FIRST HOME BANCORP, INC. 2017 EQUITY INCENTIVE PLAN RESTRICTED STOCK AWARD GRANT NOTICE Participant Name: Company: First Home Bancorp, Inc. Notice: A summary of the terms of your grant of Restricted Shares is set out in this notice (the ?Grant Notice?) but subject always to the terms of the First Home Bancorp, Inc. 2017 Equity Incentive Plan (the ?Plan?) and the

May 11, 2021 S-1

Power of Attorney (included on signature page to this registration statement)

S-1 1 d866147ds1.htm FORM S-1 Table of Contents Registration No. 333-[ ] UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM S-1 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 6022 59-3665079 (State or other jurisdiction of incorporation or organization) (Primary Standard Indus

May 11, 2021 EX-10.11

Subordinated Debenture issued to U.S. Bank, N.A. FBO BUCKHEAD ONE, LTD, dated December 21, 2018

EX-10.11 21 d866147dex1011.htm EX-10.11 Exhibit 10.11 FIRST HOME BANCORP, INC. THIS OBLIGATION IS NOT A DEPOSIT AND IS NOT INSURED BY THE UNITED STATES OR ANY AGENCY OR FUND OF THE UNITED STATES, INCLUDING THE FEDERAL DEPOSIT INSURANCE CORPORATION. THIS OBLIGATION IS SUBORDINATED TO THE CLAIMS OF GENERAL AND SECURED CREDITORS OF THE COMPANY, IS INELIGIBLE AS COLLATERAL FOR ANY EXTENSION OF CREDIT

May 11, 2021 EX-4.2

Form of Series A Preferred Stock certificate

EX-4.2 6 d866147dex42.htm EX-4.2 Exhibit 4.2 SEE REVERSE FOR IMPORTANT NOTICE REGARDING OWNERSHIP AND TRANSFER RESTRICTIONS AND CERTAIN OTHER INFORMATION INCORPORATED UNDER THE LAWS OF THE STATE OF FLORDIA CUSIP 32050L 50 1 COMMON STOCK SEE REVERSE FOR CERTAIN DEFINITIONS FULLY PAID AND NON-ASSESSABLE SHARES OF THE COMMON STOCK OF First Home Bancorp Inc. transferable on the books of the Company in

May 11, 2021 EX-10.1

Employment Agreement with Anthony N. Leo, dated April 18, 2017

Exhibit 10.1 Execution Version EMPLOYMENT AGREEMENT THIS EMPLOYMENT AGREEMENT (this ?Agreement?) dated as of April 18, 2017, is made by and among First Home Bancorp, Inc., a corporation organized under the laws of the State of Florida (the ?Company?), First Home Bank, a banking corporation organized under the laws of the State of Florida and wholly-owned subsidiary of the Company (the ?Bank? and c

May 11, 2021 EX-10.4

Form of Stock Option Agreement under Amended and Restated 2017 Equity Incentive Plan

Exhibit 10.4 As approved on 2.9.17 FIRST HOME BANCORP, INC. 2017 EQUITY INCENTIVE PLAN STOCK OPTION AGREEMENT THIS STOCK OPTION AGREEMENT (this ?Agreement?) is entered into as of this day of , between First Home Bancorp, Inc., a Florida corporation (the ?Company?), and (the ?Optionee?). WHEREAS, on February 2, 2017, the Board of Directors of the Company adopted the ?First Home Bancorp, Inc. 2017 E

May 11, 2021 EX-10.2

Salary Continuation Agreement with Anthony N. Leo, dated April 18, 2017

EX-10.2 12 d866147dex102.htm EX-10.2 Exhibit 10.2 Execution Version FIRST HOME BANK SALARY CONTINUATION AGREEMENT This Salary Continuation Agreement (this “Agreement”) is entered into this 18th day of April, 2017, by and between First Home Bank, a banking corporation organized under the laws of the State of Florida (the “Bank”), and Anthony N. Leo (the “Executive”). The purpose of this Agreement i

May 11, 2021 EX-10.9

First Amendment to 2015 Non-Qualified Employee Stock Purchase Plan

Exhibit 10.9 FIRST AMENDMENT TO 2015 NON-QUALIFIED EMPLOYEE STOCK PURCHASE PLAN The Board of Directors of First Home Bancorp, Inc. (the ?Company?) hereby adopts this First Amendment (this ?Amendment?) to 2015 Non-Qualified Employee Stock Purchase Plan (the ?Plan?). Except as stated below, the remainder of the Plan remains unchanged by this Amendment. Section 3 of the Plan is hereby amended and res

May 11, 2021 EX-21.1

Subsidiaries of Registrant

EX-21.1 22 d866147dex211.htm EX-21.1 Exhibit 21.1 Subsidiaries of BayFirst Financial Corp. First Home Bank (Florida)

May 11, 2021 EX-10.10

Business Loan Agreement with First National Bankers Bank, dated March 10, 2021

Exhibit 10.10 Loan No: 15410 BUSINESS LOAN AGREEMENT (Continued) Page 1 BUSINESS LOAN AGREEMENT Principal $4,097,717.59 Loan Date 03-10-2020 Maturity 03-10-2029 Loan No 15410 Call/Coll Account Officer 03 Initials References in the boxes are for Lender?s use only and do not limit the applicability of this document to any particular loan or item. Any item above containing ?***? has been omitted due

May 11, 2021 EX-3.1

Amended and Restated Articles of Incorporation

EX-3.1 2 d866147dex31.htm EX-3.1 Exhibit 3.1 AMENDED AND RESTATED ARTICLES OF INCORPORATION OF BAYFIRST FINANCIAL CORP. Pursuant to Sections 607.1002, 607.1006, and 607.1007, Florida Statutes, BayFirst Financial Corp. (f/k/a First Home Bancorp, Inc.) has adopted these Amended and Restated Articles of Incorporation. The amendments contained in these Amended and Restated Articles of Incorporation di

May 11, 2021 EX-10.7

Dividend Reinvestment and Stock Purchase Plan

EX-10.7 17 d866147dex107.htm EX-10.7 Exhibit 10.7 FIRST HOME BANCORP, INC. DIVIDEND REINVESTMENT AND STOCK PURCHASE PLAN The securities offered under the First Home Bancorp, Inc. Dividend Reinvestment and Stock Purchase Plan have not been and will not be registered under the Securities Act, and may not be offered or sold except in certain transactions exempt from the registration requirements of t

May 11, 2021 EX-4.3

Form of warrant certificate

EX-4.3 7 d866147dex43.htm EX-4.3 Exhibit 4.3 NUMBER WARRANT Shares FIRST HOME BANCORP, INC. INCORPORATED UNDER THE LAWS OF THE STATE OF FLORIDA WARRANT TO PURCHASE SHARES OF COMMON STOCK is the owner of: A Warrant to Purchase FULLY PAID AND NON-ASSESSABLE SHARES OF COMMON STOCK OF FIRST HOME BANCORP, INC. NO PAR VALUE The Warrant represented by this Certificate is exercisable pursuant to, and gove

May 11, 2021 EX-4.5

Form of Series B Convertible Preferred Stock certificate

EX-4.5 9 d866147dex45.htm EX-4.5 Exhibit 4.5 SEE REVERSE FOR IMPORTANT NOTICE REGARDING OWNERSHIP AND TRANSFER RESTRICTIONS AND CERTAIN OTHER INFORMATION CACIN INCORPORATED UNDER THE LAWS OF THE STATE OF FLORIDA CUSIP 32050L 60 1 SERIES B CONVERTIBLE PREFERRED STOCK SEE REVERSE FOR CERTAIN DEFINITIONS FULLY PAID AND NON-ASSESSABLE SHARES OF SERIES B CONVERTIBLE PREFERRED STOCK $1,000 LIQUIDATION P

May 11, 2021 EX-3.3

Amendment to Bylaws, dated August 22, 2019

EX-3.3 4 d866147dex33.htm EX-3.3 Exhibit 3.3 AMENDMENT TO THE BYLAWS OF FIRST HOME BANCORP, INC. Effective August 22, 2019, Article IV of First Home Bancorp, Inc.’s Bylaws is amended and restated to read in its entirety as follows: ARTICLE IV. STOCK CERTIFICATES AND REGISTRATION Section 1. Certificates. The shares of this corporation’s capital stock may be represented by certificates or be uncerti

May 11, 2021 EX-4.4

Warrant Agreement with Continental Stock Transfer & Trust Company, dated November 14, 2019

EX-4.4 8 d866147dex44.htm EX-4.4 Exhibit 4.4 FORM OF WARRANT AGREEMENT THIS WARRANT AGREEMENT (this “Agreement”), dated as of November 14, 2019, is entered into by and between First Home Bancorp, Inc., a Florida corporation (the “Company”), and Continental Stock Transfer & Trust Company, a New York corporation (the “Warrant Agent”). WHEREAS, the Company has agreed to issue Warrants (the “Warrants”

May 11, 2021 EX-10.6

Form of Restricted Stock Unit Award Grant Notice under Amended and Restated 2017 Equity Incentive Plan

Exhibit 10.6 As approved on 2.9.17 FIRST HOME BANCORP, INC. 2017 EQUITY INCENTIVE PLAN RESTRICTED STOCK UNIT AWARD GRANT NOTICE Participant Name: Company: First Home Bancorp, Inc. Notice: A summary of the terms of your grant of Restricted Stock Unit (RSU) Award is set out in this notice (the ?Grant Notice?) but subject always to the terms of the First Home Bancorp, Inc. 2017 Equity Incentive Plan

May 11, 2021 EX-10.3

Amended and Restated 2017 Equity Incentive Plan

EX-10.3 13 d866147dex103.htm EX-10.3 Exhibit 10.3 FIRST HOME BANCORP, INC. AMENDED AND RESTATED 2017 EQUITY INCENTIVE PLAN Section 1. General Purpose of Plan; Definitions. The name of this plan is the First Home Bancorp, Inc. Amended and Restated 2017 Equity Incentive Plan (the “Plan”). The Plan was approved by the Board of Directors on February 20, 2018 (the “Effective Date”) and subsequently ado

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