BayFirst Financial Corp.
NASDAQ Capital MarketCapital Structure
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in mil. unless spec.Working Capital
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in mil. unless spec.Growth Rates
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in mil. unless spec.Quarterly Revenue
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in mil. unless spec.Quarterly Earnings Per Share
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in mil. unless spec.Quarterly Dividends Per Share
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in mil. unless spec.- CEO
- Thomas G. Zernick
- Full Time Employees
- 305
- Sector
- Financial Services
- Industry
- Banks - Regional
- Address
- 700 Central Avenue Saint Petersburg FL United States of America 33701
- IPO Date
- Jan 8, 2021
- CIK
- 0001649739
- Website
- firsthomebank.com
- Similar Companies
- Business
- BayFirst Financial Corp. (NASDAQ: BAFN) operates as the bank holding company for BayFirst National Bank, a national banking association providing community banking services to individuals, families, and small to medium-sized businesses primarily in the Tampa Bay region of Florida with nationwide lending capabilities; the bank offers deposit products including checking accounts, savings accounts, money market deposit accounts, certificates of deposit, and individual retirement accounts; loan products encompassing commercial real estate mortgages, construction and development loans, commercial and industrial loans, small business administration (SBA) loans, United States Department of Agriculture (USDA) loans, residential mortgages, veterans mortgage loans, auto loans, boat loans, recreational vehicle loans, personal lines of credit, and home equity lines of credit; and additional services such as treasury management, merchant services, credit cards, safety deposit boxes, and specialized programs like Cash Kids Club for children, TrendSetters Club for seniors, and Teen Checking accounts. Headquartered in St. Petersburg, Florida, the company maintains 12 banking centers across St. Petersburg, Seminole, Pinellas Park, Clearwater, Sarasota, Tampa, Belleair Bluffs, and Bradenton; BayFirst National Bank commenced operations in 1999, with the holding company established in 2000 and rebranded from First Home Bancorp, Inc. in May 2021. In September 2025, BayFirst announced its exit from the SBA 7(a) lending business through a definitive agreement to sell $103 million in SBA 7(a) loans to Banesco USA at 97% of retained balances, with Banesco assuming servicing and purchasing related servicing rights for book value; the transaction includes offers of employment to most SBA lending staff by Banesco and is expected to close in the fourth quarter of 2025 as part of a broader restructuring plan to derisk the balance sheet, enhance long-term growth, and focus on community banking with stable deposits, commercial and industrial lending, commercial real estate, and fee income sources like treasury management; earlier in 2025, all 12 banking centers achieved 100% carbon neutrality and LEED certification, and the bank was named Florida's best bank in 2024 by Forbes.
BAFN Incurs Q1 Loss on SBA Loan Credit Stress, Stock Down 10%
BayFirst Financial Corp. (BAFN) Q1 2026 Earnings Call Transcript
BayFirst Financial Corp. Announces Substantial Capital Raise, Names Alfred Rogers as Bank Chief Executive Officer, and Reports First Quarter 2026 Results
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BayFirst Incurs Q4 Loss Amid SBA Exit and Credit Headwinds
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BayFirst Financial Corp. (BAFN) Q4 2025 Earnings Call Transcript
BayFirst Financial Corp. Reports Fourth Quarter 2025 Results; Capital Ratios Show Notable Improvement
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BayFirst Announces Fourth Quarter 2025 Conference Call and Webcast
BayFirst Financial Corp. Closes $94.6 Million Loan Sale to Banesco USA
BayFirst Incurs Loss in Q3, Exits SBA Lending Amid Shakeup
BayFirst Financial Corp. (BAFN) Q3 2025 Earnings Call Transcript
BayFirst Financial Corp. Reports Third Quarter 2025 Results, Announces Restructuring Plan Including Exit From SBA 7(a) Lending
BayFirst Downgraded to Neutral on Profit, Credit Concerns