Business First Bancshares Inc (NAS:BFST)

Q3 2025 Business First Bancshares Inc Earnings Call Transcript

Oct 23, 2025 / 09:00 PM GMT

Release Date Price: $23.4 (+0.04%)

Transcript 10-Q8-K

Key Points

Positve

Business First Bancshares Inc (BFST) reported a solid quarter with consistent profitability, generating a 1.06% core ROAA and a core efficiency ratio of 60.45%.
The company successfully executed a core conversion of Oakwood Bank systems, enhancing operational efficiency.
BFST increased its quarterly common stock dividend by 1 penny, marking the ninth consecutive year of dividend increases.
The company experienced a 9% annualized growth in non-interest-bearing deposits since March 2025.
BFST's correspondent banking unit is expected to generate over $17 million in revenue this year, contributing significantly to net income.

Negative

Total loans held for investment declined by $26.6 million or 1.7% annualized, with significant paydowns and payoffs during the quarter.
Non-interest income may face challenges due to a potential government shutdown affecting SBA loan sales.
The net interest margin remained flat, with a slight decline in the core net interest margin due to lower net loan growth and deposit cost pressures.
There was a net decrease in non-interest-bearing deposits of $44.15 million from the prior quarter.
The ratio of non-performing assets compared to total assets slightly increased by 7 basis points to 0.83%.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

BFST.OQ - Business First Bancshares Inc
Q3 2025 Business First Bancshares Inc Earnings Call
Oct 23, 2025 / 09:00PM GMT

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Presentation
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Unidentified_1 [1]
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Hello and thank you for standing by. My name is Mark and I will be your conference operator today. At this time, I would like to welcome everyone to Business First Bank shares Q3 2025 earnings call. All lines have been placed on mute to prevent any background noise. After the speaker's remarks, there will be a question-and-answer session.

If you would like to ask a question during this time, simply press star, followed by the number one on your telephone keypad. And to your question, press one again.

I wouldn't like to turn the call over to Matilly. You may begin.

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Unidentified_2 [2]
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