• BayFirst Financial reported a third-quarter 2026 net loss of $677,000, narrowing from $32.7 million in the second quarter.
• CEO Alfred T. Rogers, CFO Scott J. McKim and COO Robin L. Oliver attended the earnings call alongside analyst Ross Haberman.
• McKim expects unguaranteed SBA 7(a) loan runoff near $40 million annually; balances ended September at $132.4 million.
• Net charge-offs declined to $3.2 million from $4.5 million; provision for credit losses was negative $69,000 versus $29 million.
• The board voted to redeem Series C preferred shares; McKim expects many holders to choose conversion at the last reported tangible book value.

Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Bayfirst Financial Corp. published the original content used to generate this news brief via EDGAR, the Electronic Data Gathering, Analysis, and Retrieval system operated by the U.S. Securities and Exchange Commission (Ref. ID: 0001649739-26-000145), on November 03, 2026, and is solely responsible for the information contained therein.