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Zacks Company Profile for BayFirst Financial Corp. (BAFN : NSDQ)

• Company Description    BayFirst Financial Corp. operates as the bank holding company for First Home Bank. The company through the Bank, offers a broad range of commercial and consumer banking services including various types of deposit accounts and loans for businesses and individuals. BayFirst Financial Corp. is based in ST. PETERSBURG, Fla. Number of Employees: 299

• Price / Volume Information    Yesterday's Closing Price: $8.90 Daily Weekly Monthly 20 Day Moving Average: 9,961 shares Shares Outstanding: 4.13 (millions) Market Capitalization: $36.79 (millions) Beta: 0.39 52 Week High: $19.75 52 Week Low: $6.40 Short Interest Ratio:   % Price Change % Price Change Relative to S&P 500 4 Week -14.22% -15.78% 12 Week -25.21% -30.14% Year To Date -33.08% -42.46%

• Address & Contact Information Street Address Phone / Fax Email Address Web URL 700 CENTRAL AVENUE SUITE 102 - ST PETERSBURG,FL 33701 USA ph: 727-440-6848 fax: - ir@bayfirstfinancial.com http://www.bayfirstfinancial.com

• General Corporate Information    Officers Thomas G. Zernick - Chief Executive Officer and Director Scott J. McKim - Chief Financial Officer Rhonda S. Tudor - Chief Accounting Officer Derek S. Berset - Director Mark S. Berset - Director Peer Information BayFirst Financial Corp. (TSFG) BayFirst Financial Corp. (ABCB) BayFirst Financial Corp. (CFNL) BayFirst Financial Corp. (CPKF) BayFirst Financial Corp. (HIB) BayFirst Financial Corp. (FVB) Industry / Sector / Ticker Info Analyst Coverage: No Industry Group: BANKS-SOUTHEAST Sector: Finance CUSIP: 07279B104 SIC: 6022 Fiscal Year Fiscal Year End: December Last Reported Quarter: 09/01/25 Next Expected EPS Date: 01/29/26 Share - Related Items Shares Outstanding: 4.13 Most Recent Split Date: (:1) Beta: 0.39 Market Capitalization: $36.79 (millions)

• EPS Information     • Dividend Information Analyst Coverage: No Dividend Yield: 0.00% Current Fiscal Quarter EPS Consensus Estimate: $ Indicated Annual Dividend: $0.00 Current Fiscal Year EPS Consensus Estimate: $ Payout Ratio: 0.18 Number of Estimates in the Fiscal Year Consensus: Change In Payout Ratio: -0.06 Estmated Long-Term EPS Growth Rate: % Last Dividend Paid: NA - $0.00 Next EPS Report Date: 01/29/26

• Fundamental Ratios P/E Current FY Estimate: - Trailing 12 Months: - PEG Ratio: - Price Ratios Price/Book: 0.40 Price/Cash Flow: 1.65 Price / Sales: 0.28 EPS Growth vs. Year Ago Period: -2,688.89% vs. Previous Quarter: -1,094.87% Sales Growth vs. Year Ago Period: -23.76% vs. Previous Quarter: -22.81% ROE 09/30/25 - -11.38 06/30/25 - 10.14 03/31/25 - 12.68 ROA 09/30/25 - -0.82 06/30/25 - 0.72 03/31/25 - 0.91 Current Ratio 09/30/25 - - 06/30/25 - 1.02 03/31/25 - 1.00 Quick Ratio 09/30/25 - - 06/30/25 - 0.94 03/31/25 - 0.95 Operating Margin 09/30/25 - -8.08 06/30/25 - 6.65 03/31/25 - 8.22 Net Margin 09/30/25 - -8.08 06/30/25 - 6.65 03/31/25 - 8.22 Pre-Tax Margin 09/30/25 - - 06/30/25 - 8.88 03/31/25 - 11.02 Book Value 09/30/25 - - 06/30/25 - 22.40 03/31/25 - 22.85 Inventory Turnover 09/30/25 - - 06/30/25 - 0.55 03/31/25 - 0.58 Debt-to-Equity 09/30/25 - - 06/30/25 - 0.52 03/31/25 - 0.29 Debt-to-Capital 09/30/25 - - 06/30/25 - 30.58 03/31/25 - 20.15

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