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~~February 3013, 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 number)

(IRS employer

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):


o			Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
o			Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
o			Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
o			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:
Title of each class registered	Trading Symbol(s)	Name of exchange on which registered
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 75.0102. ~~Regulation~~ Departure FDof ~~Disclosure~~Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory.

OnIn ~~January~~connection ~~29,~~with ~~2026~~a company-wide reduction, BayFirst Financial Corp. (the “Company”) ~~hosted~~has aeliminated ~~conference~~the ~~call~~position toof ~~discuss~~Chief ~~its~~Accounting ~~financial~~Officer. ~~results~~Therefore, ~~for~~effective ~~the~~February ~~quarter~~13, ~~ended December 31~~2026, ~~2025~~Rhonda S. ATudor ~~copy~~will ofno ~~the~~longer ~~conference~~be ~~call~~employed ~~transcript~~with isthe ~~attached~~Company ~~hereto~~or serve as ~~Exhibit~~its 99principal accounting officer.1 Scott J. AnMcKim, ~~archived~~the ~~version~~Company’s ofExecutive ~~the~~Vice ~~conference~~President ~~call~~and isChief ~~available~~Financial onOfficer, will act as the ~~Investor~~Company’s ~~Relations~~principal ~~section~~accounting officer following the effective date of Ms. Tudor’s departure. Information regarding Mr. McKim’s background and experience is included in the Company’s ~~website~~definitive atproxy ~~www~~statement filed with the Securities and Exchange Commission on April 4, 2025, which information is incorporated herein by reference.~~bayfirstfinancial.com.~~

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits

Exhibit Number

Exhibit Name

Filed Herewith

99.1

BayFirst Financial Corp. Fourth Quarter 2025 Conference Call Transcript

104

Cover Page Interactive Data File (embedded within the Inline XBRL document)

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.
Date:			2/0313/2026
By:			/s/ Scott J. McKim
			Scott J. McKim
			Chief Financial Officer

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