# EDGAR Filing Document

**Accession Number:** 0001649739
**File Stem:** 0001649739-23-000004
**Filing Date:** 2023-1
**Character Count:** 9557
**Document Hash:** c45847abb7c725b5af6a225c9c993d67
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001649739-23-000004.hdr.sgml**: 20230109

**ACCESSION NUMBER**: 0001649739-23-000004

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 14

**CONFORMED PERIOD OF REPORT**: 20230109

**ITEM INFORMATION**: Regulation FD Disclosure

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20230109

**DATE AS OF CHANGE**: 20230109

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** BayFirst Financial Corp.
- **CENTRAL INDEX KEY:** 0001649739
- **STANDARD INDUSTRIAL CLASSIFICATION:** STATE COMMERCIAL BANKS [6022]
- **IRS NUMBER:** 593665079
- **STATE OF INCORPORATION:** FL
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-41068
- **FILM NUMBER:** 23516834

**BUSINESS ADDRESS:**
- **STREET 1:** 700 CENTRAL AVENUE
- **STREET 2:** SUITE 102
- **CITY:** ST PETERSBURG
- **STATE:** FL
- **ZIP:** 33701
- **BUSINESS PHONE:** 727-399-5600

**MAIL ADDRESS:**
- **STREET 1:** 700 CENTRAL AVENUE
- **STREET 2:** SUITE 102
- **CITY:** ST PETERSBURG
- **STATE:** FL
- **ZIP:** 33701

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** First Home Bancorp Inc
- **DATE OF NAME CHANGE:** 20150731

?xml version="1.0" ? bafn-20230109

**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)

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| | | |
|:---|:---|:---|
| **Florida** | **001-41068** | **59-3665079** |
| (State or other jurisdiction<br>of incorporation) | (Commission<br>file number) | (IRS employer<br>identification no.) |
| **700 Central Avenue** |  | **33701** |
| **St. Petersburg, Florida** |  | (Zip Code) |
| (Address of principal executive offices) |  |  |
|  | **(727) 440-6848** |  |
|  | (Registrant's telephone number, including area code) |  |

---

**Not Applicable** 

**(Former name or former address, if changed since last report)** 

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

□ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

□ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

□ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

□ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

---

| | | |
|:---|:---|:---|
| Securities Registered pursuant to Section 12(b) of the Act: | Securities Registered pursuant to Section 12(b) of the Act: | Securities Registered pursuant to Section 12(b) of the Act: |
| <u>Title of each class registered</u> | <u>Trading Symbol(s)</u> | <u>Name of exchange on which registered</u> |
| **Common Stock** | **BAFN** | **The Nasdaq Stock Market LLC** |

---

---

| |
|:---|
| Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1933 (§240.12b-2 of this chapter) |
| Emerging growth company ☑ |
| If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐ |

---

------

**Item 7.01. Regulation FD Disclosure.**

BayFirst Financial Corp. (NASDAQ: BAFN) ("BayFirst" or the "Company"), parent company of BayFirst National Bank (the "Bank") today announced that it will report its fourth quarter results before the market opens on Friday, January 27, 2023. That same day, management will host a conference call at 9:00 a.m. EST to discuss the results. The call will also be broadcast live via the internet.

Interested investors may listen to the call live under the Investor Relations tab at www.bayfirstfinancial.com. Investment professionals are invited to dial (888) 396-8049 to participate in the call. A replay will be available for one week at (877) 674-7070 using access code 736702# or at www.bayfirstfinancial.com.

The Press Release is attached as Exhibit 99.1 and incorporated herein by reference.

**Item 9.01 Financial Statements and Exhibits.**

&nbsp;&nbsp;&nbsp;&nbsp;

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| | | |
|:---|:---|:---|
| (d) Exhibits | (d) Exhibits | |
| **Exhibit Number** | <br>**Exhibit Name** | **Filed Herewith** |
| 99.1 | <u>[BayFirst Financial Corp. Press Release dated January 9, 2023](bayfirstq42022earningscall.htm)</u> | \* |
| 104 | <u>[Cover Page Interactive Data File (embedded within the Inline XBRL document)](#ib9724c29a772468db96b64c7d9be3a0b_1)</u> | \* |

---

The information in this report (including the exhibits) shall not be deemed to be "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the "Exchange Act"), or otherwise subject to the liability of that section, and shall not be incorporated by reference into any registration statement or other document filed under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such filing.

**SIGNATURES**

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

---

| | |
|:---|:---|
| **BAYFIRST FINANCIAL CORP.** | **BAYFIRST FINANCIAL CORP.** |
| Date: | January 9, 2023 |
| By: | /s/ Robin L. Oliver |
|  | Robin L. Oliver |
|  | Chief Financial Officer and<br>Chief Operating Officer |

---

## Exhibit 99.1

![picture1.jpg](picture1.jpg)

**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 (the "Bank") today announced that it will report its fourth quarter results before the market opens on Friday, January 27, 2023. That same day, management will host a conference call at 9:00 a.m. EST to discuss the results. The call will also be broadcast live via the internet.

Interested investors may listen to the call live under the Investor Relations tab at www.bayfirstfinancial.com. Investment professionals are invited to dial (888) 396-8049 to participate in the call. A replay will be available for one week at (877) 674-7070 using access code 736702# or at www.bayfirstfinancial.com.

**About BayFirst Financial Corp.**

BayFirst Financial Corp. is a registered bank holding company which commenced operations on September 1, 2000. Its primary source of income is from its wholly owned subsidiary, BayFirst National Bank (f/k/a First Home Bank), which commenced business operations on February 12, 1999. BayFirst National Bank is a national banking association. The Bank currently operates eight full-service office locations and was in the top 8 by dollar volume and number of units originated nationwide through the fourth quarter ended September 30, 2022, of SBA's 2022 fiscal year. In the 5 county Tampa Bay market, BayFirst was proud to rank number one by both dollar volume and number of units originated during the same period.

BayFirst Financial Corp., through the Bank, offers a broad range of commercial and consumer banking services including various types of deposit accounts and loans for businesses and individuals. As of September 30, 2022, BayFirst Financial Corp. had $930.3 million in total assets.

**Forward Looking Statements**

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 the COVID-19 pandemic, global military hostilities, or climate change, including their effects on the economic environment, our customers and our operations, as well as any changes to federal, state or local government laws, regulations or orders in connection with them; the ability of the Company to implement its strategy and expand its banking operations; changes in interest rates and other general economic, business and political conditions, including changes in the financial markets; changes in business plans as circumstances warrant; risks related to mergers and acquisitions; changes in benchmark interest rates used to price loans and deposits, changes in tax laws, regulations and guidance; and other risks detailed from time to time in filings made by the Company with the SEC, including, but not limited to those "Risk Factors" described in our most recent Form 10-K and Form 10-Q. Readers should note that the forward-looking statements included herein are not a guarantee of future events, and that actual events may differ materially from those made in or suggested by the forward-looking statements.

Note: Transmitted on Globe Newswire on January 9, 2023, at 9:00 a.m. EST.

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