Business First Bancshares Inc (FRA:828)

Q4 2025 Business First Bancshares Inc Earnings Call Transcript

Jan 22, 2026 / 10:00 PM GMT

Release Date Price: €24 (+5.26%)

Transcript 8-K

Key Points

Positve

Business First Bancshares Inc (BFST) achieved a 14% increase in EPS over the year, with a 20% year-over-year improvement in the fourth quarter.
The company grew its tangible book value by 17.3% and increased its common stock dividend for the seventh consecutive year.
BFST successfully completed two major core conversions and implemented several software platforms to enhance future scalability.
The acquisition of Progressive Bank in North Louisiana was completed, expanding BFST's footprint and client base.
The company maintained a sub-60% efficiency ratio in the fourth quarter, indicating positive operating leverage.

Negative

BFST experienced an increase in non-performing loans, largely due to a $25.8 million commercial real estate relationship in Houston.
The company faced a $995,000 loss on former bank premises and $2.2 million in merger and core conversion-related expenses.
There was a decrease in non-interest-bearing deposits by $44.5 million from the prior quarter.
Loan discount accretion was elevated due to a single large acquired loan paying off sooner than expected, which may not be sustainable.
The company anticipates a potential outflow of public funds in the first quarter due to seasonality, which could impact deposit levels.

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

BFST.OQ - Business First Bancshares Inc
Q4 2025 Business First Bancshares Inc Earnings Call
Jan 22, 2026 / 10:00PM GMT

=====================
Presentation
--------------------------------------------------------------------------------
Unidentified_1 [1]
--------------------------------------------------------------------------------
Ladies and gentlemen, thank you for standing by. My name is Desiree, and I will be your conference operator today. At this time, I would like to welcome everyone to the Business First Bank shares Q4 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 1 on the telephone keypad. If you would like to withdraw your question again, press the star one. I would now like to turn the conference over to Matt Feeley. You may begin.

--------------------------------------------------------------------------------

Already have an account? Log in

Get the full story

Subscribe Now

	Access to All Earning Calls and Stock Analysis
	30-Year Financial on one screen
	All-in-one Stock Screener with unlimited filters
	Customizable Stock Dashboard
	Real Time Insider Trading Transactions
	8,000+ Institutional investors’ 13F holdings
	Powerful Excel Add-in and Google sheets Add-on
	All data downloadable
	Quick customer support
	And much more...

7-Day Free Trial · Cancel Anytime

Subscription fee may be tax deductible.

Excellent

4.6 out of 5

Trustpilot

Research Tools

All-In-One Screener Stock Ideas Stock List Guru List Guru Real-Time Picks Insider List Insider Trades Economic Indicators Sector & Industry Performance DCF Calculator Calculators Discussion Board

Product

Pricing Plans Excel Add-In Google Sheets Add-on Data API Stock Comparison Table Manual of Stocks Instant Alerts Mobile App Newsletters Signup 中文

Education

Financial Glossary Tutorials FAQ Buffett Indicator Shiller P/E Yield Curve Today U.S. Inflation Rate Global Market Valuation Fed Net Liquidity Buffett Assets Allocation

Company

About GuruFocus Career Contact Us Advertise Term of Use Privacy Policy Referral Program Partner Program

Survey

We'd love to learn more about your experiences on GuruFocus.com and how we can improve!

Take Survey

Disclaimers

GuruFocus.com is not operated by a broker or a dealer. Under no circumstances does any information posted on GuruFocus.com represent a recommendation to buy or sell a security. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute investment advice or recommendations. The individuals or entities selected as "gurus" may buy and sell securities before and after any particular article and report and information herein is published, with respect to the securities discussed in any article and report posted herein. Gurus may be added or dropped from the GuruFocus site at any time. In no event shall GuruFocus.com be liable to any member, guest or third party for any damages of any kind arising out of the use of any content or other material published or available on GuruFocus.com, or relating to the use of, or inability to use, GuruFocus.com or any content, including, without limitation, any investment losses, lost profits, lost opportunity, special, incidental, indirect, consequential or punitive damages. Past performance is a poor indicator of future performance. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute investment advice or recommendations. The information on this site is in no way guaranteed for completeness, accuracy or in any other way. The gurus listed in this website are not affiliated with GuruFocus.com, LLC. Stock quotes are provided by QuoteMedia, Inc. (CSI). Company fundamental data is provided by Morningstar. Analyst estimates data is sourced from both Refinitiv and Morningstar, with priority given to Refinitiv data. Data is updated daily.