The earnings call presented a mixed picture with significant achievements such as the successful core system conversion, increased tangible book value, and strategic partnerships. However, these were offset by declines in total deposits, negative asset quality trends, and increased borrowings. While the long-term outlook appears positive with strategic improvements and partnerships, the current quarter faced several challenges.

Company Guidance -

Q3 2025

During the Q2 2025 earnings call for Business First Bancshares, several key metrics and strategic initiatives were highlighted. The company reported a 1% return on average assets (ROAA) and maintained its net interest margin, while increasing its tangible book value by nearly 15%. Operationally, the bank successfully upgraded its core processing system, projecting future operational savings of approximately $750,000 annually. The bank also announced a partnership with Progressive Bank, a $750 million community bank, expecting meaningful earnings accretion by 2026. Despite a negative trend in asset quality metrics, the bank's net charge-offs remained exemplary at 0.01%. The bank's non-GAAP core net income was reported at $19.5 million with an EPS of $0.66 per share. Additionally, total loans held for investment grew by 4.5% on an annualized basis, driven by increases in C&I and CRE loans, while total deposits saw a net decrease of $38.5 million.

Successful Core System Conversion

The company successfully upgraded its core processing system to the FIS large bank platform, positioning itself for more efficient processing in the future.

15% Increase in Tangible Book Value

The tangible book value increased by almost 15%, which has been one of the primary goals over the past few quarters.

Partnership with Progressive Bank

The company announced a partnership with Progressive Bank, a $750 million community bank, which is expected to add meaningful earnings accretion.

Loan Growth Led by C&I and CRE

Total loans held for investment increased 4.5% annualized, driven primarily by C&I and CRE, which rose by $98.8 million and $61.6 million, respectively.

Strong Noninterest-Bearing Deposit Growth

Noninterest-bearing deposits increased $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	$25.40	$24.79	-2.40%
Apr 24, 2025	$23.51	$22.60	-3.87%
Jan 23, 2025	$25.17	$27.39	+8.82%
Oct 24, 2024	$24.65	$25.57	+3.73%

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 (BFST) report earnings?

Business First Bancshares (BFST) is schdueled to report earning on Oct 23, 2025, TBA (Confirmed).

What is Business First Bancshares (BFST) earnings time?

Business First Bancshares (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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