🧾 What This Document Is

This is a Form 8-K, a mandatory filing companies use to announce major news to investors. BayFirst Financial filed this to announce the exact date and time when they will reveal their first-quarter financial results. Think of it like a "save the date" announcement for their earnings party.

🏢 What The Company Does

👉 In simple terms, BayFirst Financial Corp. is the parent company of BayFirst National Bank. It's a community-focused bank based in St. Petersburg, Florida, that provides typical banking services like checking accounts, loans, and mortgages to individuals and businesses in its local markets.

📅 The Main Announcement

The core of this filing is a simple but important scheduling update:

• Earnings Release: They will report Q1 2026 results after the market closes on Thursday, April 30, 2026.
• Conference Call: Management will discuss the results the next morning, Friday, May 1, 2026, at 9:00 a.m. ET.

👉 This matters because it sets the official timeline for when investors will get the next critical snapshot of the company's performance. All the important numbers will be revealed on that date.

🔗 How to Listen & Follow Up

For investors who want to tune in live:

• Listen Online: Go to the Investor Relations section at www.bayfirstfinancial.com.
• Listen by Phone: Dial (800) 549-8228 and use Conference ID 37957.
• Replay: A recording will be available on the same website for one year afterward.

👉 The company is making it easy for anyone to access this information, which is a good practice for transparency.

💡 Why This Matters & What It Signals

This filing isn't about good or bad news yet—it's about the process. It signals that the company is on its regular reporting schedule. For investors, this announcement is a crucial calendar marker. It allows them to prepare, clear their schedule to listen to the call, and know exactly when to expect the new data that will inform their investment thesis.

⚖️ Big Picture: Strengths & Risks

• 👍 Strength: Clear, timely communication. By announcing the date well in advance, the company shows organized investor relations.
• ⚠️ Risk (Contextual): The actual results on April 30th will be what matters. For a bank like BayFirst, key things to watch in that report will be loan growth, credit quality, and net interest margin (how much profit they make on loans vs. deposits). Broader risks include regional economic health and changes in interest rates.

🧠 The Analogy

Think of this 8-K filing like a movie studio releasing the official trailer and premiere date for a highly anticipated film. This document is just the trailer—it tells you when the main event (the earnings report) is coming and how to watch it, but it doesn't reveal the plot (the financial results).

📇 Key Contacts & People

• Company Contact: BayFirst Financial Corp., 700 Central Avenue, St. Petersburg, FL 33701. Phone: (727) 440-6848.
• Filing Signatory: Scott J. McKim, Chief Financial Officer.

🧩 Final Takeaway

BayFirst Financial has officially set its Q1 2026 earnings report for April 30th. This filing is a procedural but important announcement that gets the date on investors' calendars for the upcoming financial update.