The call had a balanced sentiment with successful operational initiatives like the core system conversion and partnership with Progressive Bank contributing positively. However, challenges like negative asset quality trends and deposit decreases offset these achievements.

Company Guidance

During the Business First Bancshares Q2 2025 Earnings Conference Call, the company reported strong financial metrics and operational achievements. The quarter saw a 1% Return on Average Assets (ROAA) and a net interest margin that was maintained despite an increase in tangible book value by almost 15%. The company successfully upgraded its core processing system and announced a partnership with Progressive Bank, projecting meaningful earnings accretion entering 2026. Despite a slight negative trend in asset quality metrics, the company saw exemplary net charge-offs at 0.01%. Total loans increased by 4.5% annualized, with significant growth in C&I and CRE loans. Net interest-bearing deposits decreased due to strategic outflows, while noninterest-bearing deposits grew by 7.8%. GAAP net income was $20.8 million, with core non-GAAP net income at $19.5 million. The company remains focused on operational efficiency and growth, with expectations for improved liquidity and margin performance in the near term.

Successful Core System Conversion

The bank successfully executed a core system conversion to the FIS large bank platform, enhancing operational efficiency and preparing for future growth.

Strategic Partnership with Progressive Bank

Announced partnership with Progressive Bank, adding a $750 million community bank to their operations, projecting meaningful earnings accretion in 2026.

Steady Loan Growth

Total loans held for investment increased 4.5% annualized on a linked-quarter basis, driven primarily by C&I and CRE growth.

Increase in Noninterest-bearing Deposits

Noninterest-bearing deposits increased by $102 million or 7.8% on a linked-quarter basis.

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

Daily Earnings Calendar >

BFST Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 23, 2025	2025 (Q3)	0.67 / -	0.68	―	―	―
Jul 28, 2025	2025 (Q2)	0.64 / 0.66	0.64	3.13% (+0.02)
Apr 24, 2025	2025 (Q1)	0.61 / 0.65	0.5	30.00% (+0.15)
Jan 23, 2025	2024 (Q4)	0.49 / 0.66	0.66	0.00% (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	0.66	0.00% (0.00)
Oct 26, 2023	2023 (Q3)	0.61 / 0.71	0.72	-1.39% (-0.01)
Jul 27, 2023	2023 (Q2)	0.52 / 0.70	0.64	9.37% (+0.06)

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
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%
Oct 24, 2024	$24.51	$25.42	+3.71%

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 Oct 23, 2025, TBA (Confirmed).

What is Business First Bancshares Inc (BFST) earnings time?

Business First Bancshares Inc (BFST) earnings time is at Oct 23, 2025, 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 (Q3) is 0.67.

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