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Business First Bancshares Inc (BFST)
NASDAQ:BFST
US Market
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Business First Bancshares (BFST) Earnings Dates, Call Summary & Reports

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Earnings Data

Report Date
Jan 28, 2026
TBA (Confirmed)
Period Ending
2025 (Q4)
Consensus EPS Forecast
0.71
Last Year’s EPS
0.66
Same Quarter Last Year
Moderate Buy
Based on 2 Analysts Ratings

Earnings Call Summary

Q3 2025
Earnings Call Date:Oct 23, 2025|
% Change Since:
|
Earnings Call Sentiment|Positive
The earnings call presented a generally positive outlook with several achievements such as improved earnings, operational successes, and increased dividends. However, there were some challenges such as a decline in total loans and potential delays in SBA loan sales due to the government shutdown. Overall, the highlights slightly outweigh the lowlights, suggesting a positive sentiment.
Company Guidance
In the third quarter of 2025, Business First Bancshares reported a GAAP net income of $21.5 million, translating to $0.73 per share, with core net income slightly reduced to $21.2 million and $0.72 per share when excluding specific non-core items such as $1.6 million merger and core conversion-related expenses, and a $2 million employee retention tax credit. The company achieved a core return on average assets (ROAA) of 1.06% and a core efficiency ratio of 60.45%. Total loans decreased by $26.6 million due to elevated paydowns of $479 million against new loan production of $452 million. Deposits increased by $87.2 million, despite a $44.15 million decrease in noninterest-bearing deposits. The net interest margin remained stable at 3.68%, with loan yields witnessing a 5 basis point increase to 6.94%. Business First Bancshares successfully converted Oakwood Bank's systems and is on track to close the Progressive Bank transaction by early 2026. The company anticipates further efficiency gains and capital leverage, projecting a 1.2% core ROAA by the end of the fourth quarter of 2026.
Incremental Quality Earnings Improvement
The company showed incremental quality earnings improvement driven by strong expense control, with three quarters of essentially flat core noninterest expenses.
Operational Excellence
Successfully converted the entire core bank and Oakwood Bank to a new processor, indicating strong operational capabilities.
Growth in Correspondent Banking Unit
The correspondent banking unit is expected to generate over $17 million in revenue this year, contributing roughly $5 million towards net income.
Increased Dividend
Announced an increase in the quarterly common stock dividend by $0.01, marking the ninth consecutive year of dividend increases.
Reduced FHLB Borrowings
FHLB borrowings decreased by $125.5 million from the prior quarter, reflecting deliberate decision to reduce excess borrowings.
Positive Loan Yield and Deposit Growth
Core loan yields excluding loan discount accretion was 6.94%, and net growth in noninterest-bearing deposits since March 31, 2025, was $58.2 million, representing approximately 9% annualized growth.

Business First Bancshares (BFST) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

BFST Earnings History

Report Date
Fiscal Quarter
Forecast / EPS
Last Year's EPS
EPS YoY Change
Press Release
Slides
Play Transcript
Jan 28, 2026
2025 (Q4)
0.71 / -
0.66
Oct 23, 2025
2025 (Q3)
0.67 / 0.72
0.685.88% (+0.04)
Jul 28, 2025
2025 (Q2)
0.64 / 0.66
0.643.13% (+0.02)
Apr 24, 2025
2025 (Q1)
0.61 / 0.65
0.530.00% (+0.15)
Jan 23, 2025
2024 (Q4)
0.49 / 0.66
0.660.00% (0.00)
Oct 24, 2024
2024 (Q3)
0.57 / 0.68
0.71-4.23% (-0.03)
Jul 25, 2024
2024 (Q2)
0.51 / 0.64
0.7-8.57% (-0.06)
Apr 25, 2024
2024 (Q1)
0.57 / 0.50
0.55-9.09% (-0.05)
Jan 23, 2024
2023 (Q4)
0.60 / 0.66
0.660.00% (0.00)
Oct 26, 2023
2023 (Q3)
0.61 / 0.71
0.72-1.39% (-0.01)
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed

BFST Earnings-Related Price Changes

Report Date
Price 1 Day Before
Price 1 Day After
Percentage Change
Oct 23, 2025
$23.40
Jul 28, 2025
$25.25$24.65-2.38%
Apr 24, 2025
$23.37$22.47-3.85%
Jan 23, 2025
$25.02$27.24+8.87%
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Business First Bancshares Inc (BFST) report earnings?
Business First Bancshares Inc (BFST) is schdueled to report earning on Jan 28, 2026, TBA (Confirmed).
    What is Business First Bancshares Inc (BFST) earnings time?
    Business First Bancshares Inc (BFST) earnings time is at Jan 28, 2026, TBA (Confirmed).
      Where can I see when companies are reporting earnings?
      You can see which companies are reporting today on our designated earnings calendar.
        What companies are reporting earnings today?
        You can see a list of the companies which are reporting today on TipRanks earnings calendar.
          What is BFST EPS forecast?
          BFST EPS forecast for the fiscal quarter 2025 (Q4) is 0.71.
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