Inferra AI / Company / BFST
Business First Bancshares, Inc.
BFST · Financials
Last earnings Oct 26, 2026
Key results
Net incomequarter
$21.5 million
Business First reported net income available to common shareholders of $21.5 million or $0.73 per diluted common share, increases of $0.8 million and $0.03, respectively, compared to the linked quarter ended June 30, 2025.
SEC original ↗Business First Bancshares, Inc. — Earnings release (8-K exhibit)EX-99Oct 23, 2025
NONINTEREST revenueytd
$176.3 million
3Q25 YTD PRODUCTION 39 total trades $176.3 million in total loan notional from back-to-back client swaps generated ~$2.5 million in fee income NONINTEREST REVENUE OPPORTUNITIES CORRESPONDENT BANKING (1) Includes bank and credit union AUM.
SEC original ↗Business First Bancshares, Inc. — Presentation / slide deck (8-K exhibit)EX-99Oct 23, 2025
NONINTEREST revenueQ3 2025
$2.5 million
3Q25 YTD PRODUCTION 39 total trades $176.3 million in total loan notional from back-to-back client swaps generated ~$2.5 million in fee income NONINTEREST REVENUE OPPORTUNITIES CORRESPONDENT BANKING (1) Includes bank and credit union AUM.
SEC original ↗Business First Bancshares, Inc. — Presentation / slide deck (8-K exhibit)EX-99Oct 23, 2025
TBV increased by $1.03 or 4.75% (18.83% annualized) from the linked quarter and is attributed to $21.5 million net income available to common shareholders.
SEC original ↗Business First Bancshares, Inc. — Presentation / slide deck (8-K exhibit)EX-99Oct 23, 2025
AI analysis
Q3 2025 · reported Oct 23, 2025
Based on: Earnings release + Q3 2025 deck + parent 8-K + 10-Q — transcript not held
Headline figures
| Metric | Q3 2025 | Prior qtr | Year ago |
|---|---|---|---|
| Net income | $21.5 million | — | — |
| NONINTEREST revenue | $2.5 million | — | — |
Guidance · company-stated
No guidance located in the held release
Capital allocation
23, 2025, Business First s board of directors declared a quarterly preferred dividend in the amount of $18.75 per share, which is the full quarterly dividend of 1.875% based on the per annum rate of 7.50%.
Event summary
Business First Bancshares, Inc. Q3 2025 — Business First reported net income available to common shareholders of $21.5 million or $0.73 per diluted common share, increases of $0.8 million and $0.03, respectively, compared to the linked quarte…
Based on: Earnings release + Q3 2025 deck + parent 8-K + 10-Q — transcript not held
Guidance & outlook
No guidance located in the held release
Capital allocation
23, 2025, Business First s board of directors declared a quarterly preferred dividend in the amount of $18.75 per share, which is the full quarterly dividend of 1.875% based on the per annum rate of 7.50%.
SEC original ↗Business First Bancshares, Inc. — Earnings release (8-K exhibit)EX-99Oct 23, 2025
Additionally, the board of directors declared a quarterly common dividend based upon financial performance for the third quarter in the amount of $0.15 per share of common stock, a $0.01 increase from the linked quarter.
SEC original ↗Business First Bancshares, Inc. — Earnings release (8-K exhibit)EX-99Oct 23, 2025
The preferred and common dividends will be paid on Nov.
SEC original ↗Business First Bancshares, Inc. — Earnings release (8-K exhibit)EX-99Oct 23, 2025
Business First's board of directors approved a $0.01 per common share increase to the quarterly dividend from $0.14 to $0.15 per common share beginning November 2025.
SEC original ↗Business First Bancshares, Inc. — Earnings release (8-K exhibit)EX-99Oct 23, 2025
Borrowings Borrowings decreased $118.3 million or 19.29%, from the linked quarter due primarily to reductions in short-term Federal Home Loan Bank advances.
SEC original ↗Business First Bancshares, Inc. — Earnings release (8-K exhibit)EX-99Oct 23, 2025
Historical Deposit Composition Liquidity Sources FHLB Borrowings Capacity 1,362$ Unencumbered Securities 600$ Available Excess Cash Reserves 367$ Fed Funds Sold 101$ Fed Funds Lines Available 145$ FRB Discount Window 1,021$ Total 3,596$ 13 SECURITIES PORTFOLIO AFS Securities Portfolio Portfolio serves as a source of on-balance sheet liquidity and provides interest income stability during times of declining rates.
SEC original ↗Business First Bancshares, Inc. — Presentation / slide deck (8-K exhibit)EX-99Oct 23, 2025
Strategy & priorities
We are focused on daily blocking and tackling, in particular that required to fulfill the promise of our current M A projects, attainment of which will lead to continued improvement in financial performance over the coming quarters.
SEC original ↗Business First Bancshares, Inc. — Earnings release (8-K exhibit)EX-99Oct 23, 2025
4 GUIDING PRINCIPLES b1BANK s five guiding principles reflect our core beliefs and values, which drive all decisions irrespective of our goals, strategies, or external factors.
SEC original ↗Business First Bancshares, Inc. — Presentation / slide deck (8-K exhibit)EX-99Oct 23, 2025
Remain focused on core deposits, which represent over 84% of total deposits.
SEC original ↗Business First Bancshares, Inc. — Presentation / slide deck (8-K exhibit)EX-99Oct 23, 2025
Commercial Portfolio Segment Commercial loans include general commercial and industrial, or C&I, loans, including commercial lines of credit, working capital loans, term loans, equipment financing, asset acquisition, expansion, and development loans, 17 Table of Contents BUSINESS FIRST BANCSHARES, INC.
SEC original ↗Business First Bancshares, Inc. — 10-Q Quarterly report10-QJul 31, 2026
Risks & headwinds
Forward-looking statements are based on the information known to, and current beliefs and expectations of, the Company s management and are subject to significant risks and uncertainties.
SEC original ↗Business First Bancshares, Inc. — Presentation / slide deck (8-K exhibit)EX-99Oct 23, 2025
Legal Proceedings 64 Item 1A.
SEC original ↗Business First Bancshares, Inc. — 10-Q Quarterly report10-QJul 31, 2026
Earnings deck slides
0 decks with slide viewBusiness First Bancshares, Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Business First Bancshares, Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Business First Bancshares, Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Business First Bancshares, Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Business First Bancshares, Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Business First Bancshares, Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Business First Bancshares, Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Business First Bancshares, Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Business First Bancshares, Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Competitors
Competitors & peers
Same GICS sector — classification peers, not declared competitors
Filings
32 documentsEarnings releases
13 documentsPresentations
9 documents
Transcripts
0 documentsNo transcripts for Business First Bancshares, Inc. are held in this edition of the library.
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