BayFirst Financial shares surge 28.99% after-hours as restructuring progress, capital ratio improvements, and loan sales drive optimism.

BayFirst Financial Corp. surged 29.0% in after-hours trading following the release of its Q4 2025 results, which highlighted a reduced net loss of $2.5 million compared to $18.9 million in Q3 2025, improved capital ratios, and a $96.6 million loan sale to Banesco USA. The company attributed progress to its restructuring efforts, including exiting the SBA 7(a) lending business and achieving stable net interest margins alongside $12.5 million in organic deposit growth. Management emphasized strategic milestones, such as enhanced credit administration and a well-capitalized position, reinforcing confidence in its path to becoming a premier community bank. The stock’s sharp after-hours rally reflects investor optimism over the company’s alignment with its strategic plan and improved financial metrics.