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%
Nonperforming Loans to Total Loans

1.2%

Previous: 0.4%+195.2%
Nonperforming Assets to Total Assets

1.1%

Previous: 0.4%+179.5%
Return on Average Assets

1.0%

Previous: 0.8%+33.3%
Return on Average Common Equity

10.2%

Previous: 8.2%+23.7%
Efficiency Ratio

63.1%

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

$23.36

Previous: $19.92+17.3%
Tangible Common Equity to Tangible Assets

8.5%

Previous: 7.6%+11.8%
Common Equity to Total Assets

10.0%

Previous: 9.3%+8.4%
Core Return on Average Assets

1.2%

Previous: 1.0%+16.0%
Core Return on Average Common Equity

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 12 of 16 quarters(75%)
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 19 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
Q2 2026———
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 2015———
Q3 2014———
Q2 2014———
Q2 2015———
Q1 2015———
Q1 2014———
Q3 2013———
Q2 2013———
Q1 2013———

Discussion

Share your read of this quarter. Sign-in carries your eToro identity.

Join the conversation

Sign in with eToro to post your read of this quarter and vote on others'.

Sign in with eToro