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Business First Bancshares (BFST) investor relations material
Business First Bancshares Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary23 Oct, 2025
Executive summary
Net income available to common shareholders was $21.5 million ($0.73 per diluted share) for Q3 2025, up 30% year-over-year and 4% sequentially, with core net income at $21.2 million ($0.72 per share); core ROAA reached 1.06% and core ROACE was 10.65%.
Tangible book value per share grew to $22.63, up 14% year-over-year, and book value per share increased to $27.23.
Achieved incremental quality earnings improvement through strong expense control, operational execution, and successful core system conversions.
Completed Oakwood Bancshares acquisition and announced Progressive Bancorp acquisition, with integration on track.
Quarterly preferred dividend declared at $18.75 per share; common dividend increased by $0.01 to $0.15 per share, marking nine consecutive years of growth.
Financial highlights
Net interest margin remained stable at 3.68% (GAAP and core) for Q3 2025; net interest income was $69.3 million, up from $67.0 million in the prior quarter.
Efficiency ratio improved to 60.45% in Q3 2025, down from 62.83% in Q2 2025.
Deposits increased 15% year-over-year to $6.51 billion, with non-interest-bearing deposits growing 9% annualized since March 2025.
Gross loans held for investment totaled $6.02 billion, flat sequentially but up 15% year-over-year; total loans held for investment declined $26.6 million sequentially.
Book value per common share increased 10.6% to $27.23; tangible book value per share rose to $22.63.
Outlook and guidance
Expect margin expansion in Q4 2025 due to deposit cost momentum and normalization of loan growth; anticipate low to mid-single-digit loan growth in Q4.
Non-interest income may be flat quarter-over-quarter due to potential government shutdown impact on SBA loan sales, but annual growth expected to exceed 20% year-over-year.
Management expects continued growth through the pending Progressive Bancorp acquisition and ongoing organic expansion.
Internal modeling estimates a total deposit beta of 45–55% in a near-term downward rate cycle.
Focus remains on prudent capital management and maintaining strong regulatory capital ratios.
Share repurchase plans for capital deployment?
Correspondent banking unit growth outlook?
Expense control strategy for 2026?
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Next Business First Bancshares earnings date
Q4 202522 Jan, 2026
Next Business First Bancshares earnings date
Q4 202522 Jan, 2026
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Frequently asked questions
Business First Bancshares, Inc. is a bank holding company that operates through its primary subsidiary, b1BANK. The company offers a range of financial services including personal and business banking, commercial loans, mortgages, and treasury management solutions. It serves customers across Louisiana and Texas through a network of branches and other financial service outlets, focusing on supporting small to medium-sized businesses, professionals, and individuals. The company is headquartered in Baton Rouge, Louisiana, and its shares are listed on the NASDAQ.
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