Thomas Gerard Zernick - 03 Feb 2026 Form 4 Insider Report for BayFirst Financial Corp. (BAFN)

Role: CEO, Director
Signature: /s/ Barbara Felts, Attorney-in-fact
Issuer symbol: BAFN
Transactions as of: 03 Feb 2026
Net transactions value: -$4,418
Form type: 4
Filing time: 06 Feb 2026, 13:04:13 UTC
Previous filing: 17 Nov 2025
SEC: View on sec.gov

Reporting Owners (1)

Name	Relationship	Address	Signature	Signature date	CIK
Zernick Thomas Gerard	CEO, Director	700 CENTRAL AVE, ST. PETERSBURG	/s/ Barbara Felts, Attorney-in-fact	06 Feb 2026	0001885587

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
transaction	BAFN	Common Stock	Other	$1,500	+249	+1.3%	$6.02	19,455	05 Feb 2026	Direct	F1
transaction	BAFN	Common Stock	Tax liability	$5,918	-890	-4.6%	$6.65	18,565	03 Feb 2026	Direct	F2
holding	BAFN	Common Stock						1,659	03 Feb 2026	By ESOP

* An asterisk sign (*) next to the price indicates that the price is likely invalid.

Explanation of Responses:

Id	Content
F1	Shares were purchased within the Issuer's Non-Qualified Stock Purchase Plan.
F2	Represents shares that have been withheld by the Issuer to satisfy its tax withholding and remittance obligations in connection with the net settlement of restricted stock awards (RSAs) and does not represent a sale by the Reporting Person.