BFST on Nasdaq
Business First Bancshares, Inc.
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Last updated Oct 16, 2026.
Overview
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Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
Key numbers, fiscal 2025
Where the money goes
Where each dollar of revenue went, fiscal 2025
- Income tax20¢$22.4M
- Profit80¢$87.9M
Out of $10.7M in revenue.3
Where each dollar of operating cash went, fiscal 2025
- Capital spending0¢$66.0K
- Dividends paid18¢$16.8M
- Share buybacks4¢$3.7M
- Kept or used elsewhere78¢$71.4M
Out of $92.1M of cash from operations.3
Financial statements
Every line of the income statement in the latest annual report, as filed.3
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Interest and Fees on Loans | $419.2M | $374.6M | $323.3M |
| Interest and Dividends on Non-taxable Securities | $6.9M | $4.3M | $4.3M |
| Interest and Dividends on Taxable Securities | $22.1M | $21.0M | $15.8M |
| Interest on Federal Funds Sold and Due From Banks | $16.8M | $14.9M | $9.9M |
| Total Interest Income | $465.0M | $414.8M | $353.3M |
| Interest on Deposits | $168.9M | $165.1M | $106.9M |
| Interest on Borrowings | $22.9M | $22.3M | $31.3M |
| Total Interest Expense | $191.8M | $187.4M | $138.2M |
| Net Interest Income | $273.2M | $227.4M | $215.1M |
| Provision for Credit Losses | $11.3M | $10.9M | $4.5M |
| Net Interest Income after Provision for Credit Losses | $261.8M | $216.5M | $210.6M |
| Service Charges on Deposit Accounts | $10.7M | $10.6M | $9.7M |
| Gain (Loss) on Sales of Securities | $64.0K | $7.0K | -$2.6M |
| Gain on Sales of Loans | $3.4M | $3.0M | $2.0M |
| Other Income | $37.3M | $30.6M | $27.5M |
| Total Other Income | $51.5M | $44.2M | $36.6M |
| Salaries and Employee Benefits | $115.9M | $103.9M | $90.6M |
| Occupancy and Equipment Expense | $28.6M | $24.0M | $20.9M |
| Other Expenses | $58.6M | $49.7M | $45.2M |
| Total Other Expenses | $203.1M | $177.7M | $156.7M |
| Income Before Income Taxes | $110.3M | $83.1M | $90.6M |
| Provision for Income Taxes | $22.4M | $17.9M | $19.5M |
| Net Income | $87.9M | $65.1M | $71.0M |
| Preferred Stock Dividends | $5.4M | $5.4M | $5.4M |
| Net Income Available to Common Shareholders | $82.5M | $59.7M | $65.6M |
| Basic (in dollars per share) | $2.81 | $2.27 | $2.62 |
| Diluted (in dollars per share) | $2.79 | $2.26 | $2.59 |
Every line of the balance sheet in the latest annual report, as filed.3
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Cash and Due from Banks | $411.2M | $319.1M | |
| Federal Funds Sold | $172.4M | $197.7M | |
| Securities Purchased Under Agreements to Resell | $25.6M | $50.8M | |
| Securities Available for Sale, at Fair Values (Amortized Cost of $1,031,432 at December 31, 2025 and $973,423 at December 31, 2024) | $989.2M | $893.5M | |
| Mortgage Loans Held for Sale | $1.1M | $717.0K | |
| Loans and Lease Receivable, Net of Allowance for Loan Losses of $53,959 and $54,840 at December 31, 2025 and 2024, respectively | $6.1B | $5.9B | |
| Premises and Equipment, Net | $74.0M | $82.0M | |
| Accrued Interest Receivable | $38.5M | $35.9M | |
| Other Equity Securities | $49.3M | $41.1M | |
| Other Real Estate Owned | $13.0M | $5.5M | |
| Cash Value of Life Insurance | $120.3M | $117.6M | |
| Deferred Taxes | $20.5M | $29.6M | |
| Goodwill | $121.1M | $121.6M | |
| Core Deposit and Customer Intangible | $14.5M | $17.3M | |
| Other Assets | $28.5M | $18.1M | |
| Total Assets | $8.2B | $7.9B | |
| Noninterest Bearing | $1.3B | $1.4B | |
| Interest Bearing | $5.4B | $5.2B | |
| Total Deposits | $6.7B | $6.5B | |
| Securities Sold Under Agreements to Repurchase | $22.6M | $22.6M | |
| Federal Home Loan Bank Borrowings | $431.2M | $355.9M | |
| Subordinated Debt | $92.5M | $99.8M | |
| Subordinated Debt - Trust Preferred Securities | $5.0M | $5.0M | |
| Accrued Interest Payable | $4.2M | $6.0M | |
| Other Liabilities | $63.7M | $57.1M | |
| Total Liabilities | $7.3B | $7.1B | |
| Preferred Stock, No Par Value; 5,000,000 Shares Authorized; 72,010 Shares ($1,000 Liquidation Preference) Issued and Outstanding at both December 31, 2025 and 2024 | $71.9M | $71.9M | |
| Common Stock, $1 Par Value; 50,000,000 Shares Authorized; 29,510,668 and 29,552,358 Shares Issued and Outstanding at December 31, 2025 and 2024, respectively | $29.5M | $29.6M | |
| Additional Paid-in Capital | $502.2M | $500.0M | |
| Retained Earnings | $326.6M | $261.0M | |
| Accumulated Other Comprehensive Loss | -$33.3M | -$63.0M | |
| Total Shareholders' Equity | $896.9M | $799.5M | $644.3M |
| Total Liabilities and Shareholders' Equity | $8.2B | $7.9B | |
| Amortized cost | $1.0B | $973.4M | |
| Financing receivable, allowance for credit loss, excluding accrued interest | $54.0M | $54.8M | $40.4M |
| Preferred stock, no par value (in dollars per share) | $0 | $0 | |
| Preferred stock, shares authorized (in shares) | 5.0M shares | 5.0M shares | |
| Preferred stock, shares issued (in shares) | 72.0K shares | 72.0K shares | |
| Preferred stock, liquidation preference, value | $1.0M | $1.0M | |
| Preferred stock, shares outstanding (in shares) | 72.0K shares | 72.0K shares | |
| Common stock, par or stated value per share (in dollars per share) | $1.00 | $1.00 | |
| Common stock, shares authorized (in shares) | 50.0M shares | 50.0M shares | |
| Common stock, shares, issued (in shares) | 29.5M shares | 29.6M shares | |
| Common stock, shares, outstanding (in shares) | 29.5M shares | 29.6M shares |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow in the latest annual report, as filed.3
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Consolidated Net Income | $87.9M | $65.1M | $71.0M |
| Provision for Credit Losses | $11.3M | $10.9M | $4.5M |
| Depreciation and Amortization | $5.7M | $5.3M | $4.7M |
| Net Accretion of Purchase Accounting Adjustments | -$2.3M | -$2.5M | -$7.6M |
| Stock Based Compensation Cost | $5.8M | $3.0M | $4.0M |
| Net Amortization of Securities | $798.0K | $2.1M | $4.2M |
| (Gain) Loss on Sales of Securities | -$64.0K | -$7.0K | $2.6M |
| Gain on Sales of Loans | -$931.0K | -$2.4M | -$671.0K |
| Income on Other Equity Securities | -$2.1M | -$2.2M | -$3.0M |
| Gain on Sales of Other Real Estate Owned, Net of Writedowns | -$511.0K | -$89.0K | -$214.0K |
| Other Real Estate Owned Valuation Allowance | $196.0K | $0 | $0 |
| Loss on Disposal of Premises and Equipment | $840.0K | $7.0K | $0 |
| Increase in Cash Value of Life Insurance | -$3.2M | -$2.9M | -$2.2M |
| Deferred Income Tax Expense (Benefit) | $1.2M | -$962.0K | -$2.1M |
| Gain on Extinguishment of Debt | -$630.0K | $0 | -$1.5M |
| Gain on Sale of Branch | -$3.4M | $0 | -$945.0K |
| Increase in Accrued Interest Receivable | -$2.6M | -$3.1M | -$4.2M |
| (Increase) Decrease in Other Assets | -$10.4M | $9.0K | -$1.7M |
| Increase (Decrease) in Accrued Interest Payable | -$1.8M | -$10.5M | $12.7M |
| Increase (Decrease) in Other Liabilities | $6.3M | -$391.0K | $11.4M |
| Net Cash Provided by Operating Activities | $92.1M | $61.4M | $91.0M |
| Purchases of Securities Available for Sale | -$687.9M | -$104.2M | -$131.0M |
| Proceeds from Maturities / Sales of Securities Available for Sale | $551.8M | $40.7M | $92.0M |
| Proceeds from Paydowns of Securities Available for Sale | $77.3M | $67.9M | $53.9M |
| Net Cash Received in Acquisition | $0 | $96.8M | $0 |
| Net Cash Paid in Sale of Branch | -$43.1M | $0 | -$14.5M |
| Purchases of Other Equity Securities | -$14.3M | -$5.0M | -$15.6M |
| Redemption of Other Equity Securities | $8.2M | $1.7M | $21.4M |
| Purchase of Life Insurance | $0 | -$3.0M | -$2.3M |
| Proceeds from Death Benefit of Cash Value of Life Insurance | $504.0K | $813.0K | $0 |
| Net Increase in Loans | -$234.3M | -$294.9M | -$379.1M |
| Net Purchases of Premises and Equipment | -$66.0K | -$1.6M | -$11.6M |
| Proceeds from Sales of Other Real Estate | $9.8M | $621.0K | $1.2M |
| Net (Increase) Decrease in Securities Purchased Under Agreements to Resell | $25.2M | -$50.8M | $0 |
| Net (Increase) Decrease in Federal Funds Sold | $25.3M | -$44.0M | -$135.5M |
| Net Cash Used in Investing Activities | -$281.5M | -$294.9M | -$521.1M |
| Net Increase in Deposits | $238.5M | $520.6M | $444.8M |
| Net Increase (Decrease) in Securities Sold Under Agreements to Repurchase | $1.0K | $3.7M | -$1.3M |
| Net Increase (Decrease) in Federal Funds Purchased | $0 | $0 | -$14.1M |
| Net Advances (Repayments) on Federal Home Loan Bank Borrowings | $75.3M | $122.5M | -$198.9M |
| Net (Repayments) Proceeds on Bank Term Funding Program | $0 | -$300.0M | $300.0M |
| Repayment of Subordinated Debt | -$6.4M | $0 | -$8.9M |
| Net Costs from Issuance of Common Stock | $0 | -$31.0K | $0 |
| Repurchase of Common Stock | -$3.7M | $0 | $0 |
| Payment of Dividends on Preferred Stock | -$5.4M | -$5.4M | -$5.4M |
| Payment of Dividends on Common Stock | -$16.8M | -$14.9M | -$12.7M |
| Net Cash Provided by Financing Activities | $281.5M | $326.5M | $503.5M |
| Net Increase in Cash and Due From Banks | $92.1M | $93.0M | $73.4M |
| Interest on Deposits | $170.7M | $164.2M | $104.8M |
| Interest on Borrowings | $22.9M | $32.1M | $20.6M |
| Income Tax Payments | $24.1M | $17.4M | $16.1M |
| Change in the Unrealized Gain on Securities Available for Sale | $37.7M | $4.5M | $10.4M |
| Change in the Unrealized Gain (Loss) on Equity Securities | $0 | $14.0K | -$782.0K |
| Change in Deferred Tax Effect on the Unrealized Gain on Securities Available for Sale and Equity Securities | -$8.0M | -$961.0K | -$2.0M |
| Transfer of Loans to Other Real Estate | $16.9M | $4.4M | $1.3M |
| Fair Value of Tangible Assets Acquired | $0 | $847.7M | $0 |
| Other Intangible Assets Acquired | $0 | $7.6M | $0 |
| Liabilities Assumed | $0 | $781.6M | $0 |
| Net Identifiable Assets Acquired Over Liabilities Assumed | $0 | $73.8M | $0 |
Compare Business First Bancshares, Inc. with another company
Recent filings
- Sep 11, 20268-K
- Sep 1, 2026144/A
- Aug 28, 2026144/A
- Aug 28, 2026144/A
- Aug 28, 2026144/A
- Aug 28, 2026144/A
- Aug 25, 20264
- Aug 24, 2026144
- Aug 21, 20264
- Aug 19, 20264
- Aug 18, 2026144
- Aug 7, 20264
- Aug 7, 20264
- Aug 6, 2026144
- Aug 6, 20264
Every filing from the last three years, summarized. The full record is on SEC EDGAR.1
Sources
The numbers on this page point here. Each one links to the record it came from.
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