BAFN / BayFirst Financial Corp. - Zgłoszenia SEC, Raport roczny, o pełnomocnictwie

BayFirst Financial Corp.
US ˙ NasdaqCM ˙ US07279B1044

Podstawowe statystyki
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)
Na tej stronie znajduje się pełna, chronologiczna lista zgłoszeń SEC, z wyłączeniem zgłoszeń własności, które udostępniamy gdzie indziej.
June 4, 2026 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 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, D.C. 20549 SCHEDULE 14A PROXY STATEMENT PURSUANT TO SECTION 14(a) OF THE SECURITIES EXCHANGE ACT OF 1934 (Amendment No. ) Filed by the Registrant☒ Filed by a Party other than the Registrant☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☒ Definit

May 21, 2026 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 14, 2026 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 14, 2026 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, 2026 PRE 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 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, D.C. 20549 SCHEDULE 14A PROXY STATEMENT PURSUANT TO SECTION 14(a) OF THE SECURITIES EXCHANGE ACT OF 1934 (Amendment No. ) Filed by the Registrant☒ Filed by a Party other than the Registrant☐ Check the appropriate box: ☒ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☐ Definit

May 12, 2026 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, 2026 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

May 5, 2026 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 1, 2026 BAYFIRST FINANCIAL COR

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 1, 2026 BAYFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Florida 001-41068 59-3665079 (State or other jurisdiction of incorporation) (Commission file

May 5, 2026 EX-99.1

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BayFirst Financial Corp. First Quarter 2026 Earnings Call CORPORATE SPEAKERS: Alfred Rogers Chief Executive Officer and President of BayFirst National Bank Anthony Saravanos BayFirst Financial; Independent Chairman of the Board Robin L. Oliver BayFirst Financial; President, Chief Operating Officer and Director Scott J. McKim BayFirst Financial; EVP, Chief Financial Officer ANALYSTS: Duane Roberts

April 30, 2026 EX-99.3

Confidential Investor Presentation March 2026 BayFirst Financial Corp. (together with its subsidiaries, the “Company,” “BayFirst,” or “BAFN”) is offering its securities (collectively, the “Securities”) in a proposed private placement (the “Offering”)

exhibit-containsinformat Confidential Investor Presentation March 2026 BayFirst Financial Corp.

April 30, 2026 EX-99.2

BayFirst Financial Corp. (NASDAQ:BAFN) 2026 – First 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 Securit

bayfirstinvestorpresenta BayFirst Financial Corp. (NASDAQ:BAFN) 2026 – First 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 t

April 30, 2026 EX-10.1

SECURITIES PURCHASE AGREEMENT

SECURITIES PURCHASE AGREEMENT This Securities Purchase Agreement (this “Agreement”) is dated as of April 28, 2026, by and among BayFirst Financial Corp.

April 30, 2026 EX-FILING FEES

Calculation of Filing Fee Tables Form S-1 (Form Type) BayFirst Financial Corp. (Exact Name of Registrant as Specified in its Charter) Table 1: Newly Registered and Carry Forward Securities

Calculation of Filing Fee Tables Form S-1 (Form Type) BayFirst Financial Corp. (Exact Name of Registrant as Specified in its Charter) Table 1: Newly Registered and Carry Forward Securities Security Type Security Class Title Fee Calculation Rule Amount Registered(1) Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee Newly Registered Securit

April 30, 2026 EX-10.4

EMPLOYMENT AGREEMENT

EMPLOYMENT AGREEMENT THIS EMPLOYMENT AGREEMENT (this “Agreement”) dated as of March 25, 2026, is made by and among BayFirst Financial Corp.

April 30, 2026 S-1

As filed with the Securities and Exchange Commission on April 30, 2026

As filed with the Securities and Exchange Commission on April 30, 2026 Registration No.

April 30, 2026 EX-1.1

BayFirst Financial Corp. 4,000 Shares of Mandatorily Convertible Cumulative Perpetual Preferred Stock, Series D, no par value 4,000 Shares of Mandatorily Convertible Cumulative Perpetual Preferred Stock, Series E, no par value Placement Agency Agreem

BayFirst Financial Corp. 4,000 Shares of Mandatorily Convertible Cumulative Perpetual Preferred Stock, Series D, no par value 4,000 Shares of Mandatorily Convertible Cumulative Perpetual Preferred Stock, Series E, no par value Placement Agency Agreement April 28, 2026 Hovde Group, LLC 1629 Colonial Parkway Inverness, IL 60067 Ladies and Gentlemen: BayFirst Financial Corp., a Florida corporation (t

April 30, 2026 EX-1.1

BayFirst Financial Corp. 4,108,072 Shares of Common Stock, no par value Placement Agency Agreement

BayFirst Financial Corp. 4,108,072 Shares of Common Stock, no par value Placement Agency Agreement April [], 2026 Hovde Group, LLC 1629 Colonial Parkway Inverness, IL 60067 Ladies and Gentlemen: BayFirst Financial Corp., a Florida corporation (the “Company”), is offering, pursuant to the terms of this Placement Agency Agreement (this “Agreement”) and the Registration Statement (as hereinafter defi

April 30, 2026 EX-99.1

BayFirst Financial Corp. Announces Substantial Capital Raise, Names Alfred Rogers as Bank Chief Executive Officer, and Reports First Quarter 2026 Results

Contact: Scott J. McKim Chief Financial Officer 727.521.7085 BayFirst Financial Corp. Announces Substantial Capital Raise, Names Alfred Rogers as Bank Chief Executive Officer, and Reports First Quarter 2026 Results ST. PETERSBURG, FL. — April 30, 2026 — BayFirst Financial Corp. (NASDAQ: BAFN) (“BayFirst” or “Company”), parent company of BayFirst National Bank (“Bank”) today reported the Company ha

April 30, 2026 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 28, 2026 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 28, 2026 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, 2026 EX-99.1

BayFirst Announces First Quarter 2026 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 2026 Conference Call and Webcast ST. PETERSBURG, Florida – March 31, 2026 – BayFirst Financial Corp. (NASDAQ: BAFN) (“BayFirst” or “Company”), parent company of BayFirst National Bank (“Bank”) today announced that it will report its first quarter res

March 31, 2026 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) March 31, 2026 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) March 31, 2026 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 27, 2026 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 period ended December 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

February 13, 2026 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 13, 2026 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 13, 2026 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 3, 2026 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) January 30, 2026 BAYFIRST FINANCIA

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, 2026 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 3, 2026 EX-99.1

1

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

January 29, 2026 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) January 29, 2026 BAYFIRST FINANCIA

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 29, 2026 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 29, 2026 EX-99.2

BayFirst Financial Corp. (NASDAQ:BAFN) 2025 – Fourth 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 – Fourth 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

January 29, 2026 EX-99.1

BayFirst Financial Corp. Reports Fourth Quarter 2025 Results; Capital Ratios Show Notable Improvement

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 2025 Results; Capital Ratios Show Notable Improvement ST. PETERSBURG, FL. — January 29, 2026 — BayFirst Financial Corp. (NASDAQ: BAFN) (“BayFirst” or “Company”), parent company of BayFirst National Bank (“Bank”) today reported a net lo

January 6, 2026 EX-10.1

Amendment to the 4.5% Fixed to Floating Subordinated Notes Due 2031

December 26, 2025 Amendment to the 4.5% Fixed to Floating Subordinated Notes Due 2031 Reference is hereby made to the 4.5% Subordinated Notes Due June 30, 2031 (the “Subordinated Notes”), by and between BayFirst Financial Corp., a Florida corporation (the “Company”) and the Purchasers (a “Purchaser”, and collectively, the “Purchasers”). Capitalized terms used here and not otherwise defined shall h

January 6, 2026 EX-10.2

Change in Terms Agreement Principal Loan Date Maturity Loan No. Call/Coll Account Officer Initials $4,097,717.59 3/10/2020 3/10/2029 9A/3010 CKA References to the boxes above are for Lender's use only and do not limit the applicability of this docume

Change in Terms Agreement Principal Loan Date Maturity Loan No. Call/Coll Account Officer Initials $4,097,717.59 3/10/2020 3/10/2029 9A/3010 CKA References to the boxes above 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 to text length limitations. Borrower: BayFirst Financial Corp

January 6, 2026 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) December 29, 2025 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) December 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) (Commissio

December 31, 2025 EX-99.1

BayFirst Announces Fourth 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 Fourth Quarter 2025 Conference Call and Webcast ST. PETERSBURG, Florida – December 31, 2025 – BayFirst Financial Corp. (NASDAQ: BAFN) (“BayFirst” or “Company”), parent company of BayFirst National Bank (“Bank”) today announced that it will report its fourth quarte

December 31, 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) December 31, 2025 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) December 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) (Commissio

December 15, 2025 EX-99.1

BayFirst Financial Corp. Closes $94.6 Million Loan Sale to Banesco USA

BayFirst Financial Corp. Press Release December 15, 2025 Page 1 Contacts: Thomas G. Zernick Scott J. McKim Chief Executive Officer Chief Financial Officer 727.399.5680 727.521.7085 BayFirst Financial Corp. Closes $94.6 Million Loan Sale to Banesco USA ST. PETERSBURG, FL. — December 15, 2025 — BayFirst Financial Corp. (NASDAQ: BAFN) (“BayFirst” or the “Company”), parent company of BayFirst National

December 15, 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) December 12, 2025 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) December 12, 2025 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 12, 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 September 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-

November 6, 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) October 31, 2025 BAYFIRST FINANCIA

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, 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

November 6, 2025 EX-99.1

1

BayFirst Financial Corp. Third 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 U

October 30, 2025 EX-99.1

BayFirst Financial Corp. Reports Third Quarter 2025 Results, Announces Restructuring Plan Including Exit From SBA 7(a) Lending

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 2025 Results, Announces Restructuring Plan Including Exit From SBA 7(a) Lending ST. PETERSBURG, FL. — October 30, 2025 — BayFirst Financial Corp. (NASDAQ: BAFN) (“BayFirst” or “Company”), parent company of BayFirst National Bank (“Bank”

October 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) October 28, 2025 BAYFIRST FINANCIA

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 28, 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

October 30, 2025 EX-99.2

BayFirst Financial Corp. (NASDAQ:BAFN) 2025 – Third 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 Securit

bayfirstinvestorpresenta BayFirst Financial Corp. (NASDAQ:BAFN) 2025 – Third 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 t

September 30, 2025 EX-99.1

BayFirst Announces Third 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 Third Quarter 2025 Conference Call and Webcast ST. PETERSBURG, Florida – September 30, 2025 – BayFirst Financial Corp. (NASDAQ: BAFN) (“BayFirst” or “Company”), parent company of BayFirst National Bank (“Bank”) today announced that it will report its third quarter

September 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) September 30, 2025 BAYFIRST FINANC

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, 2025 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 29, 2025 EX-99.1

BayFirst Financial Corp. Announces Exit from SBA 7(a) Business and $103 Million Loan Sale

Contacts: Thomas G. Zernick Scott J. McKim Chief Executive Officer Chief Financial Officer 727.399.5680 727.521.7085 BayFirst Financial Corp. Announces Exit from SBA 7(a) Business and $103 Million Loan Sale ST. PETERSBURG, FL. — September 29, 2025 — BayFirst Financial Corp. (NASDAQ: BAFN) (“BayFirst” or the “Company”), parent company of BayFirst National Bank (the “Bank”) today announced plans to

September 29, 2025 EX-10.1

ASSET PURCHASE AGREEMENT by and among BAYFIRST FINANCIAL CORP. BAYFIRST NATIONAL BANK BANESCO USA dated as of September 25, 2025 TABLE OF CONTENTS

Exhibit 10.1 [Individual names and contact information have been redacted from Section 10.4, because they are not material to an understanding of this agreement and are typically treated as confidential by the parties thereto.] ASSET PURCHASE AGREEMENT by and among BAYFIRST FINANCIAL CORP. BAYFIRST NATIONAL BANK and BANESCO USA dated as of September 25, 2025 TABLE OF CONTENTS Page The table of con

September 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) September 25, 2025 BAYFIRST FINANC

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 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) (Commissi

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 EX-99.1

1

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

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

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

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 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

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

1

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 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 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 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 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

February 4, 2025 EX-99.1

1

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,

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

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 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.

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

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 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”).

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 EX-99.1

1

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 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 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 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

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 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

1

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 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

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

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 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 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 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 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 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 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 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 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 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 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 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-99.2

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

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 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 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 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 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 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 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 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 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-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

October 2, 2023 EX-4.1

Form of Series C Cumulative Convertible Preferred Stock certificate

1 2

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

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 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

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 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

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 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 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 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 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-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 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-10.5

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 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-10.6

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 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-10.3

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 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

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

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 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 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 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 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 (

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

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 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 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 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

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

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 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 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 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 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 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 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 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 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 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 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 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

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

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 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 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 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 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 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 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 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

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

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 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 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 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 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 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 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 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 26, 2022 LETTER

LETTER

United States securities and exchange commission logo January 26, 2022 Anthony Leo Chief Executive Officer BayFirst Financial Corp.

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 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 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 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 29, 2021 CERT

CERT

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 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 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 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.

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