Business First Bancshares, Inc. (BFST)

Business First Bancshares Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	391.6	374.56	323.33	218.03	156.79	140.46
Interest Income on Investments	40.85	40.21	30	18.08	13.65	9.3
Total Interest Income	432.45	414.76	353.33	236.11	170.44	149.76
Interest Paid on Deposits	169.5	165.09	106.91	24.41	12.18	17.56
Interest Paid on Borrowings	21.11	22.29	31.29	12.12	4.37	4.55
Total Interest Expense	190.61	187.38	138.2	36.54	16.55	22.11
Net Interest Income	241.84	227.38	215.13	199.58	153.88	127.65
Net Interest Income Growth (YoY)	13.05%	5.70%	7.79%	29.69%	20.55%	59.16%
Gain (Loss) on Sale of Assets	0.05	0.05	0.95	-0.72	-0.52	-0.35
Gain (Loss) on Sale of Investments	0.01	0.01	-2.57	-0.05	0.38	0.14
Other Non-Interest Income	32.17	30.5	24.48	21.23	18.99	11.83
Total Non-Interest Income	47.4	44.19	35.18	29.31	35.78	21.56
Non-Interest Income Growth (YoY)	31.01%	25.61%	20.04%	-18.09%	65.93%	101.38%
Revenues Before Loan Losses	289.24	271.58	250.31	228.89	189.67	149.21
Provision for Loan Losses	12.5	10.87	4.48	10.89	8.05	11.44
Revenue	276.74	260.7	245.83	218	181.62	137.78
Revenue Growth (YoY)	11.75%	6.05%	12.77%	20.03%	31.82%	56.03%
Salaries and Employee Benefits	105	100.92	86.61	81.16	62.96	51.81
Occupancy Expenses	14.16	13.05	11.34	13.97	14.19	11.38
Selling, General & Administrative	19.71	18.82	18.15	12.55	5.57	1.61
Other Non-Interest Expense	45.7	43.63	40.37	36.06	32.26	26.64
Total Non-Interest Expense	184.56	176.42	156.47	143.73	114.99	91.43
EBT Excluding Unusual Items	92.18	84.29	89.36	74.27	66.63	46.34
Other Unusual Items	0.63	-	1.46	-0.5	-1.56	-
Pretax Income	91.66	83.05	90.59	68.59	64.56	36.78
Income Tax Expense	19.58	17.94	19.54	14.34	12.42	6.79
Net Income	72.08	65.11	71.04	54.26	52.14	29.99
Preferred Dividends & Other Adjustments	5.4	5.4	5.4	1.35	-	-
Net Income to Common	66.68	59.71	65.64	52.91	52.14	29.99
Net Income Growth	3.58%	-8.36%	30.94%	4.06%	73.82%	26.17%
Basic Shares Outstanding	27	26	25	23	21	18
Diluted Shares Outstanding	27	26	25	23	21	18
Shares Change (YoY)	8.42%	4.57%	10.86%	10.58%	13.11%	33.45%
EPS (Basic)	2.44	2.27	2.62	2.34	2.54	1.65
EPS (Diluted)	2.43	2.26	2.59	2.32	2.53	1.64
EPS Growth	-3.91%	-12.74%	11.64%	-8.30%	54.27%	-5.75%
Dividend Per Share	0.560	0.560	0.520	0.480	0.480	0.400
Dividend Growth	3.70%	7.69%	8.33%	-	20.00%	-
Effective Tax Rate	21.36%	21.61%	21.57%	20.90%	19.24%	18.45%

Updated Apr 24, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q