NASDAQ$BFST

Business First Bancshares Inc · Q4 2025 earnings

Q4 2025 earnings · · After market close · Investor relations

Briefing

Business First Bancshares reported Q4 2025, net income of $21M, diluted EPS of $0.71.

For Q4 2025, Business First Bancshares reported net income of $21M, diluted EPS was $0.71. Management discusses segment performance, capital allocation, and outlook in the earnings filing.

  • Net income $21M.
  • Diluted EPS $0.71.
  • Business First Bancshares highlights liquidity, credit, and 2026 priorities.

Headline financials

Total Revenue

$83.1M

Previous: $77.6M+7.1%
EPS (adj)

$0.71

Previous: $0.66+7.6%
Net Interest Margin

3.7%

Previous: 3.6%+2.8%
NPL to Total Loans

1.2%

Previous: 0.4%+195.2%
NPA to Total Assets

1.1%

Previous: 0.4%+179.5%
ROAA

1.0%

Previous: 0.8%+33.3%
ROE

10.2%

Previous: 8.2%+23.7%
Efficiency Ratio

63.1%

Previous: 63.9%-1.3%
Tangible Book Value/Share

$23.36

Previous: $19.92+17.3%
Tangible Equity/Tangible Assets

8.5%

Previous: 7.6%+11.8%
Common Equity/Assets

10.0%

Previous: 9.3%+8.4%
Core ROAA

1.2%

Previous: 1.0%+16.0%
Core ROE

11.4%

Previous: 10.6%+7.8%
Core Efficiency Ratio

59.7%

Previous: 63.1%-5.3%
Net Income

$21M

Previous: $16.5M+27.4%
Operating Income

$27.6M

No prior period

Revenue & EPS history

Business First · Revenue · Quarterly

$83.1M

Q4 2025+7.1%vs Q4 2024
Beat estimate in 11 of 15 quarters(73%)
ActualEstimate

Forward guidance

The release discusses Business First Bancshares's outlook for upcoming periods, including capital allocation, operating priorities, and market risks, without relying solely on numeric EPS bridges.

Tailwinds

  • Business First Bancshares cites operational execution and demand trends supporting the outlook.
  • Balance sheet and liquidity actions aim to fund growth and shareholder returns.
  • Net interest margin and loan/deposit growth support the regional banking outlook.

Headwinds

  • Macro, pricing, and input-cost volatility could pressure margins.
  • Segment mix and one-time items may affect quarter-to-quarter comparability.
  • Credit costs and funding competition remain key risks for banks.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q4 2025

Historical avgQ4 2025

+1.4%

Avg return

Earnings day

+0.9%

Avg return

5 days after

+3.0%

Avg return

30 days after

53%

17 / 32 earnings

Positive

+24.2%

Q2 2023

Best reaction

-6.3%

Q1 2024

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-0.9%+1.8%+4.5%
Q4 2025-3.2%-4.3%+2.5%
Q3 2025+7.0%+5.7%+9.9%
Q2 2025-1.2%-2.7%-1.0%
Q1 2025-3.8%-2.5%-0.2%
Q4 2024+8.8%+7.8%+3.3%
Q3 2024+2.5%+4.4%+12.0%
Q2 2024+6.2%+3.4%-2.2%
Q1 2024-6.3%-8.4%-4.7%
Q4 2023-3.1%-1.1%-8.7%
Q3 2023+3.7%+6.1%+11.4%
Q2 2023+24.2%+25.8%+19.4%
Q1 2023+0.8%-6.9%-3.0%
Q4 2022-1.1%-3.7%-2.8%
Q3 2022+0.8%+6.9%+2.6%
Q2 2022+2.8%+6.6%+7.9%
Q1 2022-2.0%-4.4%-5.4%
Q4 2021-3.3%-1.2%-9.5%
Q3 2021+1.3%+4.2%+8.7%
Q2 2021+2.2%+1.5%+3.4%
Q1 2021+0.8%+1.8%+5.8%
Q4 2020-2.7%-5.1%+9.5%
Q3 2020+4.6%-0.3%+15.5%
Q2 2020-0.9%-1.0%+10.2%
Q1 2020+9.4%-2.1%+14.8%
Q4 2019+0.9%-0.2%+3.3%
Q3 2019-0.0%+0.3%+1.9%
Q2 2019+0.2%-0.7%-10.5%
Q1 2019+0.4%-0.4%+0.4%
Q4 2018-0.8%-1.7%+5.4%
Q3 2018-1.9%-1.7%-10.5%
Q2 2018-0.4%-0.2%+1.5%
Q1 2018
Q4 2017
Q3 2017
Q2 2017
Q1 2017
Q4 2016
Q3 2016
Q2 2016
Q1 2016
Q4 2015
Q4 2014
Q4 2013
Q3 2014
Q3 2015
Q2 2015
Q2 2014
Q1 2014
Q1 2015
Q3 2013
Q2 2013
Q1 2013

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