Item 2.02. Results of Operations and Financial Condition



On January 26, 2023, BayFirst Financial Corp. issued a press release announcing
its financial results for the fourth quarter of 2022. A copy of the press
release is furnished as Exhibit 99.1 to this Current Report on Form 8-K and is
incorporated herein by reference.

Item 7.01. Regulation FD Disclosure



The Company has prepared presentation materials (the "Conference Call & Webcast
Presentation") that management intends to use during its previously announced
Fourth Quarter 2022 conference call on Friday, January 27, 2023 at 9:00 am
Eastern Time, and from time to time thereafter in presentations about the
Company's operations and performance. The Company may use the Conference Call &
Webcast Presentation, possibly with modifications, in presentations to current
and potential investors, analysts, lenders, business partners, acquisition
candidates, customers, employees and others with an interest in the Company and
its business.

A copy of the Conference Call & Webcast Presentation is furnished as Exhibit
99.2 to this report and incorporated here by reference. The Conference Call &
Webcast Presentation is also available on the Company's website at
www.bayfirstfinancial.com. Materials on the Company's website are not part of,
or incorporated by reference into, this report.

Item 8.01. Other Events



On January 24, 2023, the Company's Board of Directors declared a quarterly cash
dividend of $0.08 per common share. The dividend will be payable March 15, 2023
to common shareholders of record as of March 1, 2023. This dividend marks the
27th consecutive quarterly cash dividend paid since BayFirst initiated cash
dividends in 2016.

Item 9.01 Financial Statements and Exhibits.



       (d) Exhibits

      Exhibit Number                Exhibit Name                                                         Filed Herewith
                                      BayFirst Financial Corp. Press Release dated     Januar    y
      99.1                          27    , 202    3                                                              *
                                      BayFirst Financial Corp. Fourth Quarter 2022 Investor
      99.2                          Presentation                                                                  *
                                      Cover Page Interactive Data File

(embedded within the Inline


      104                           XBRL document)                                                                *


The information in this report (including the exhibits) shall not be deemed to
be "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, as
amended (the "Exchange Act"), or otherwise subject to the liability of that
section, and shall not be incorporated by reference into any registration
statement or other document filed under the Securities Act of 1933, as amended,
or the Exchange Act, except as shall be expressly set forth by specific
reference in such filing.

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