BayFirst Financial Corp (BAFN) (Q3 2026) Earnings Call Highlights: Community Banking Shift ...
Published . Updated .
BayFirst Financial Corp (BAFN) grew community bank loans 25% and lifted its net interest margin to 4.07%, even as preferred redemptions and SBA runoff weighed on book value and profitability.
Directly affected
- BAFN BayFirst Financial
Named in this report.
Indirectly affected
- XLF Financial Select Sector SPDR-3.5% 30d
Financial Select Sector SPDR: it holds banks. Linked by “banking” (banks) in this story.
- KRE SPDR S&P Regional Banking ETF-4.8% 30d
SPDR S&P Regional Banking ETF: it holds banks. Linked by “banking” (banks) in this story.
- BAC Bank of America-13.7% 30d
Bank of America (national commercial banks): banks' earnings move with lending, deposits and rates. Linked by “banking” (banks) in this story.
- JPM JPMorgan Chase-4.3% 30d
JPMorgan Chase (national commercial banks): banks' earnings move with lending, deposits and rates. Linked by “banking” (banks) in this story.
- WFC Wells Fargo-3.6% 30d
Wells Fargo (national commercial banks): banks' earnings move with lending, deposits and rates. Linked by “banking” (banks) in this story.
- C Citigroup-9.2% 30d
Citigroup (national commercial banks): banks' earnings move with lending, deposits and rates. Linked by “banking” (banks) in this story.
Price reaction, T-5 to T+3
| Ticker | T-5 | T-3 | T-1 | T0 | T+1 | T+2 | T+3 |
|---|---|---|---|---|---|---|---|
| BAFN | +12.18% | +10.12% | base | after close | after close | after close | after close |
| XLF | -0.87% | -0.73% | base | after close | after close | after close | after close |
| KRE | +0.93% | +0.14% | base | after close | after close | after close | after close |
| BAC | +1.08% | +1.74% | base | after close | after close | after close | after close |
| JPM | -0.92% | +0.67% | base | after close | after close | after close | after close |
| WFC | -0.93% | +0.36% | base | after close | after close | after close | after close |
| C | -1.29% | +1.22% | base | after close | after close | after close | after close |
Closing-price change versus T-1, the last close before the story. T0 to T+3 fill in after each market close. Prices: Alpaca IEX.
Market Call
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BayFirst Financial Corp (BAFN) (Q3 2026) Earnings Call Highlights: Community Banking Shift ... Yahoo Finance
Source: Yahoo Finance
Select Sector Spdr Tr (XLF) since this story, compared with the market
| Company | When | Move | Status |
|---|---|---|---|
| Bank Of America (BAC) | three days earlier | +1.74% | final price |
| Bank Of America (BAC) | five days earlier | +1.08% | final price |
| BAFN | three days earlier | +10.12% | final price |
| BAFN | five days earlier | +12.18% | final price |
| Citigroup (C) | three days earlier | +1.22% | final price |
| Citigroup (C) | five days earlier | -1.29% | final price |
| Jpmorgan Chase (JPM) | three days earlier | +0.67% | final price |
| Jpmorgan Chase (JPM) | five days earlier | -0.92% | final price |
| Spdr Series Trust (KRE) | three days earlier | +0.14% | final price |
| Spdr Series Trust (KRE) | five days earlier | +0.93% | final price |
| Wells Fargo (WFC) | three days earlier | +0.36% | final price |
| Wells Fargo (WFC) | five days earlier | -0.93% | final price |
| Select Sector Spdr Tr (XLF) | three days earlier | -0.73% | final price |
| Select Sector Spdr Tr (XLF) | five days earlier | -0.87% | final price |
Congressional trades in the stocks in this story
- Rep. Rohit Khanna sold Bank Of America (BAC) (held by a spouse), worth $1,001 - $15,000 on 9 Sep 2026. That is 52 days before publication. Filed 7 Oct 2026. View the filing.
- Rep. Laurel Lee sold Bank Of America (BAC) (held by a spouse), worth $50,001 - $100,000 on 24 Aug 2026. That is 68 days before publication. Filed 16 Oct 2026. View the filing.
- Sen. Sheldon Whitehouse sold Jpmorgan Chase (JPM), worth $15,001 - $50,000 on 4 Sep 2026. That is 57 days before publication. Filed 1 Oct 2026. View the filing.
- Sen. Sheldon Whitehouse sold Jpmorgan Chase (JPM) (held by a spouse), worth $15,001 - $50,000 on 4 Sep 2026. That is 57 days before publication. Filed 1 Oct 2026. View the filing.
- Rep. Rohit Khanna bought Jpmorgan Chase (JPM) (held by a spouse), worth $100,001 - $250,000 on 27 Aug 2026. That is 65 days before publication. Filed 4 Sep 2026. View the filing.
- Rep. Rohit Khanna bought Wells Fargo (WFC) (held by a spouse), worth $1,001 - $15,000 on 25 Sep 2026. That is 36 days before publication. Filed 7 Oct 2026. View the filing.
- Rep. Rohit Khanna bought Wells Fargo (WFC) (held by a dependent child), worth $15,001 - $50,000 on 17 Sep 2026. That is 44 days before publication. Filed 7 Oct 2026. View the filing.
- Rep. Rohit Khanna bought Wells Fargo (WFC) (held by a dependent child), worth $1,001 - $15,000 on 15 Sep 2026. That is 46 days before publication. Filed 7 Oct 2026. View the filing.
- Rep. Maria Elvira Salazar sold Citigroup (C), worth $1,001 - $15,000 on 24 Sep 2026. That is 37 days before publication. Filed 7 Oct 2026. View the filing.
- Rep. Rohit Khanna bought Citigroup (C) (held by a spouse), worth $1,001 - $15,000 on 4 Sep 2026. That is 57 days before publication. Filed 7 Oct 2026. View the filing.
Public disclosure filings, not a recommendation. The filing link is the source document. News use of these reports still sits under 5 U.S.C. § 13107(c).
Who gains and who loses around Select Sector Spdr Tr (XLF)
Companies mentioned with this story
- XLF Select Sector Spdr Tr
Select Sector Spdr Tr (XLF) is linked, with no stored direction, medium confidence in the 31 Oct 2026 story “BayFirst Financial Corp (BAFN) (Q3 2026) Earnings Call Highlights: Community Banking Shift ....” Reason on file: Financial Select Sector SPDR: it holds banks. Linked by “banking” (banks) in this story
- KRE Spdr Series Trust
In “BayFirst Financial Corp (BAFN) (Q3 2026) Earnings Call Highlights: Community Banking Shift ...,” Spdr Series Trust (KRE) is linked, with no stored direction, medium confidence. Reason on file: SPDR S&P Regional Banking ETF: it holds banks. Linked by “banking” (banks) in this story
- JPM Jpmorgan Chase
For “BayFirst Financial Corp (BAFN) (Q3 2026) Earnings Call Highlights: Community Banking Shift ...,” Jpmorgan Chase (JPM) is linked, with no stored direction, medium confidence. Reason on file: JPMorgan Chase (national commercial banks): banks' earnings move with lending, deposits and rates. Linked by “banking” (banks) in this story
- BAC Bank Of America
In “BayFirst Financial Corp (BAFN) (Q3 2026) Earnings Call Highlights: Community Banking Shift ...,” Bank Of America (BAC) is linked, with no stored direction, medium confidence. Reason on file: Bank of America (national commercial banks): banks' earnings move with lending, deposits and rates. Linked by “banking” (banks) in this story
- WFC Wells Fargo
In “BayFirst Financial Corp (BAFN) (Q3 2026) Earnings Call Highlights: Community Banking Shift ...,” Wells Fargo (WFC) is linked, with no stored direction, medium confidence. Reason on file: Wells Fargo (national commercial banks): banks' earnings move with lending, deposits and rates. Linked by “banking” (banks) in this story
- C Citigroup
In “BayFirst Financial Corp (BAFN) (Q3 2026) Earnings Call Highlights: Community Banking Shift ...,” Citigroup (C) is linked, with no stored direction, medium confidence. Reason on file: Citigroup (national commercial banks): banks' earnings move with lending, deposits and rates. Linked by “banking” (banks) in this story
Select Sector Spdr Tr (XLF)
The 31 Oct 2026 story “BayFirst Financial Corp (BAFN) (Q3 2026) Earnings Call Highlights: Community Banking Shift ...” names Select Sector Spdr Tr (XLF) because of this story.
What ties Select Sector Spdr Tr (XLF) to the headline is this: Financial Select Sector SPDR: it holds banks. Linked by “banking” (banks) in this story
A second company, Spdr Series Trust (KRE), is listed for a different reason: SPDR S&P Regional Banking ETF: it holds banks. Linked by “banking” (banks) in this story
Dates in the story, and the Select Sector Spdr Tr (XLF) price range
JPM traded between 325.12 and 345.73 across 20 sessions. The latest close on file is 337.10. KRE traded between 67.80 and 71.93 across 20 sessions. The latest close on file is 70.61. XLF traded between 52.82 and 56.03 across 20 sessions. The latest close on file is 55.07.
A simple score for Select Sector Spdr Tr (XLF)
46 out of 100
“BayFirst Financial Corp (BAFN) (Q3 2026) Earnings Call Highlights: Community Banking Shift ...” scores 46 out of 100. The score uses 1 sources, and 6 linked companies.