Business First Bancshares, Inc. (FRA:828)

Business First Bancshares Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	419.2	374.56	323.33	218.03	156.79
Interest Income on Investments	45.81	40.21	30	18.08	13.65
Total Interest Income	465.01	414.76	353.33	236.11	170.44
Interest Paid on Deposits	168.92	165.09	106.91	24.41	12.18
Interest Paid on Borrowings	22.93	22.29	31.29	12.12	4.37
Total Interest Expense	191.85	187.38	138.2	36.54	16.55
Net Interest Income	273.16	227.38	215.13	199.58	153.88
Net Interest Income Growth (YoY)	20.13%	5.70%	7.79%	29.69%	20.55%
Gain (Loss) on Sale of Assets	2.52	0.04	0.93	-0.72	-0.52
Gain (Loss) on Sale of Investments	0.06	0.01	-2.57	-0.05	0.38
Other Non-Interest Income	34.19	30.6	25.14	21.23	18.99
Total Non-Interest Income	50.91	44.19	35.18	29.31	35.78
Non-Interest Income Growth (YoY)	15.20%	25.61%	20.04%	-18.09%	65.93%
Revenues Before Loan Losses	324.08	271.58	250.31	228.89	189.67
Provision for Loan Losses	11.32	10.87	4.48	10.89	8.05
Revenue	312.76	260.7	245.83	218	181.62
Revenue Growth (YoY)	19.97%	6.05%	12.77%	20.03%	31.82%
Salaries and Employee Benefits	115.85	100.92	86.61	81.16	62.96
Occupancy Expenses	15.74	13.05	11.34	13.97	14.19
Selling, General & Administrative	18.06	18.82	18.15	12.55	5.57
Other Non-Interest Expense	51.24	43.63	40.37	36.06	32.26
Total Non-Interest Expense	200.88	176.42	156.47	143.73	114.99
EBT Excluding Unusual Items	111.87	84.29	89.36	74.27	66.63
Other Unusual Items	0.63	-	1.46	-0.5	-1.56
Pretax Income	110.31	83.05	90.59	68.59	64.56
Income Tax Expense	22.45	17.94	19.54	14.34	12.42
Net Income	87.86	65.11	71.04	54.26	52.14
Preferred Dividends & Other Adjustments	5.4	5.4	5.4	1.35	-
Net Income to Common	82.46	59.71	65.64	52.91	52.14
Net Income Growth	34.95%	-8.36%	30.94%	4.06%	73.82%
Basic Shares Outstanding	29	26	25	23	21
Diluted Shares Outstanding	30	26	25	23	21
Shares Change (YoY)	11.70%	4.57%	10.86%	10.58%	13.11%
EPS (Basic)	2.81	2.27	2.62	2.34	2.54
EPS (Diluted)	2.79	2.26	2.59	2.32	2.53
EPS Growth	23.45%	-12.74%	11.64%	-8.30%	54.27%
Dividend Per Share	0.580	0.560	0.520	0.480	0.480
Dividend Growth	3.57%	7.69%	8.33%	-	20.00%
Effective Tax Rate	20.35%	21.61%	21.57%	20.90%	19.24%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.