BayFirst Financial (BAFN) - 2025 Q4 - Earnings Call Transcript

BayFirst Financial (NasdaqCM:BAFN) Q4 2025 Earnings call January 30, 2026 09:00 AM ET Company ParticipantsJulienne Cassarino - FounderRobin Oliver - President and COORoss Haberman - Money ManagerScott McKim - EVP and CFOThomas Zernick - CEOOperatorGood morning, ladies and gentlemen, and welcome to the BayFirst Financial Corp Q4 2025 conference call and webcast. At this time, all lines are in a listen-only mode. Following the presentation, we will conduct a question and answer session. If at any time during ...