BayFirst Financial Reports Q3 2025 Loss Amid Restructuring

BayFirst Financial Corp ( (BAFN) ) has shared an update.

On October 31, 2025, BayFirst Financial Corp. held a conference call to discuss its financial results for the third quarter of 2025. The company reported an $18.9 million net loss, largely due to restructuring charges and the sale of its SBA 7(a) loan portfolio to Banesco USA. This strategic shift aims to derisk the balance sheet and focus on sustainable growth through community banking. Despite the losses, BayFirst is optimistic about returning to profitability in 2026 and enhancing shareholder value by strengthening its community banking operations.

The most recent analyst rating on (BAFN) stock is a Hold with a $9.00 price target. To see the full list of analyst forecasts on BayFirst Financial Corp stock, see the BAFN Stock Forecast page.

Spark’s Take on BAFN Stock

According to Spark, TipRanks’ AI Analyst, BAFN is a Neutral.

BayFirst Financial Corp faces significant challenges, primarily due to its recent financial performance and negative earnings call sentiment. The stock’s technical indicators suggest bearish momentum, and the valuation is impacted by recent losses. While there are some positive aspects, such as revenue growth and strategic shifts, the overall outlook remains cautious.

To see Spark’s full report on BAFN stock, click here.

More about BayFirst Financial Corp

BayFirst Financial Corp. operates in the financial industry, focusing on community banking services. The company offers a range of products including checking and savings accounts, and it has a significant presence in the Tampa Bay and Sarasota markets. BayFirst has historically engaged in SBA 7(a) lending but is now transitioning away from this to focus on its core community banking services.

Average Trading Volume: 14,094

Technical Sentiment Signal: Sell

Current Market Cap: $35.76M

For detailed information about BAFN stock, go to TipRanks’ Stock Analysis page.