Education
About Us
Working with TipRanks
Follow Us
Business First Bancshares Inc (BFST)
NASDAQ:BFST
Earnings Data
Report Date
Jul 24, 2025TBA Not Confirmed
Period Ending
2025 (Q2)Consensus EPS Forecast
0.64Last Year’s EPS
0.64Same Quarter Last Year
Strong Buy
Based on 3 Analysts Ratings
---
Earnings Call Summary
Earnings Call Date:Apr 24, 2025
|% Change Since: -2.50%
|Next Earnings Date:Jul 24, 2025
Earnings Call Sentiment|Neutral
The earnings call highlighted strong profitability, capital management, and noninterest revenue growth, alongside successful integration efforts. However, concerns were raised regarding balance sheet contraction, credit quality issues, and challenges in achieving loan and deposit growth. The sentiment is balanced.Company Guidance
During the Business First Bancshares, Inc. Q1 2025 earnings call, the company provided several key metrics and insights into their financial performance and strategic direction. The core Return on Average Assets (ROAA) exceeded 1%, while new and renewed loan yields averaged 7.71%. The core net interest margin expanded by eight basis points compared to the previous quarter, driven by a downward trend in funding costs. The company's tangible common equity (TCE) ratio surpassed a certain threshold, and the total risk-based capital (TRBC) ratio exceeded 13%. Noninterest revenue was bolstered by strong swap fees and Small Business Administration (SBA) loan gains, with investments in IT and infrastructure contributing to improved efficiency ratios. Despite a $53 million decline in deposits, the company maintained flat loan growth, prioritizing net interest margin over volume. Additionally, two commercial and industrial (C&I) relationships experienced negative credit migration, but overall credit quality remained stable. The call highlighted the successful integration of Oakwood Bank, with a full conversion expected in September. Looking ahead, the company aims to continue its focus on expense management and explore opportunities for growth within its current footprint.Profitability and Core Net Interest Margin Expansion
Profitability remains consistent with core ROAA exceeding 1%. Core net interest margin expanded by eight basis points for the linked quarter.
Capital and Expense Management
Continued build in capital levels with TCE exceeding expectations and TRBC ratio over 13%. Improved expense management with better-than-expected expense trends.
Noninterest Revenue Growth
Strong noninterest revenue with significant contributions from swap fees, SBA loan gains on sales, and SPIC investments.
Successful Integration of Oakwood Bank
Integration of Oakwood Bank proceeding as expected with conversion set for September. Positive cultural fit with the Oakwood team.
Improvement in Funding Costs
Total interest-bearing deposits cost declined 18 basis points from the linked quarter. Weighted average total cost of deposits for the first quarter was 2.69%, down 12 basis points.
---
BFST Earnings History
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 |
|---|---|---|---|
| Apr 24, 2025 | $23.64 | $22.73 | -3.85% |
| Jan 23, 2025 | $25.31 | $27.55 | +8.85% |
| Oct 24, 2024 | $24.79 | $25.71 | +3.71% |
| Jul 25, 2024 | $24.81 | $25.79 | +3.95% |
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 Jul 24, 2025, TBA Not Confirmed.
What is Business First Bancshares Inc (BFST) earnings time?
Business First Bancshares Inc (BFST) earnings time is at Jul 24, 2025, TBA Not 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 (Q2) is 0.64.
---