Risk factors

BayFirst Financial (BAFN) risk factors

Item 1A of every BayFirst Financial Corp. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.

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  • FY2025 10-K risk factors
    52 risks2 new9 dropped5 reworded

    BayFirst suspended common and preferred dividends in July 2025 and updated its debt figures.

    Filed Mar 27, 2026
  • FY2024 10-K risk factors
    59 risks

    BayFirst Financial relies heavily on government-guaranteed SBA lending, technology partners, and the Florida real estate and insurance markets.

    Filed Mar 25, 2025