Bank holding firm BayFirst's Q4 net loss narrows

Reuters

01/30

Bank holding firm BayFirst's Q4 net loss narrows

Overview

Florida bank holding company reported Q4 net loss of $2.5 mln, down from Q3 loss
Company completed sale of $96.6 mln in loans to Banesco USA
Treasury management revenue grew 69% yr/yr in Q4

Outlook

BayFirst prioritizes strategic plan to build premier community bank in Tampa Bay
Company focuses on strengthening credit administration and managing legacy loans

Result Drivers

RESTRUCTURING EFFORTS - CEO Thomas G. Zernick highlighted progress in restructuring, leading to improved capital ratios
LOAN SALE - Sale of $96.6 mln in loans to Banesco USA marked a critical milestone in derisking loan portfolio
TREASURY REVENUE GROWTH - Treasury management revenue increased 69% yr/yr in Q4

Key Details

Metric	Beat/Miss	Actual	Consensus Estimate
Q4 EPS		-$0.69
Q4 Net Income		-$2.46 mln
Q4 Net Interest Income continuing operations		$11.2 mln
Q4 Net Interest Margin		3.58%

Press Release: ID:nGNX4Z4WKJ

For questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact reuters.support@thomsonreuters.com.

(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)

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For any other questions or feedback, contact reuters.support@thomsonreuters.com.</p><p>(This story was created using Reuters automation and AI based on LSEG and company data. 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Zernick highlighted progress in restructuring, leading to improved capital ratios</p></li><li><p>LOAN SALE - Sale of $96.6 mln in loans to Banesco USA marked a critical milestone in derisking loan portfolio</p></li><li><p>TREASURY REVENUE GROWTH - Treasury management revenue increased 69% yr/yr in Q4</p></li></ul><p><span>Key Details</span></p><table><tbody><tr><td><p><span>Metric</span></p></td><td><p><span>Beat/Miss</span></p></td><td><p><span>Actual</span></p></td><td><p><span>Consensus Estimate</span></p></td></tr><tr><td><p>Q4 EPS</p></td><td></td><td><p>-$0.69</p></td><td></td></tr><tr><td><p>Q4 Net Income</p></td><td></td><td><p>-$2.46 mln</p></td><td></td></tr><tr><td><p>Q4 Net Interest Income continuing operations</p></td><td></td><td><p>$11.2 mln</p></td><td></td></tr><tr><td><p>Q4 Net Interest Margin</p></td><td></td><td><p>3.58%</p></td><td></td></tr></tbody></table><p>Press Release: <span>ID:nGNX4Z4WKJ</span></p><p>For questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact reuters.support@thomsonreuters.com.</p><p>(This story was created using Reuters automation and AI based on LSEG and company data. 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Zernick highlighted progress in restructuring, leading to improved capital ratiosLOAN SALE - Sale of $96.6 mln in loans to Banesco USA marked a critical milestone in derisking loan portfolioTREASURY REVENUE GROWTH - Treasury management revenue increased 69% yr/yr in Q4Key DetailsMetricBeat/MissActualConsensus EstimateQ4 EPS-$0.69Q4 Net Income-$2.46 mlnQ4 Net Interest Income continuing operations$11.2 mlnQ4 Net Interest Margin3.58%Press Release: ID:nGNX4Z4WKJFor questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact reuters.support@thomsonreuters.com.(This story was created using Reuters automation and AI based on LSEG and company data. 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