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	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	418.38	374.56	323.33	218.03	156.79	140.46
Interest Income on Investments	44.99	40.21	30	18.08	13.65	9.3
Total Interest Income	463.37	414.76	353.33	236.11	170.44	149.76
Interest Paid on Deposits	172.21	165.09	106.91	24.41	12.18	17.56
Interest Paid on Borrowings	23.14	22.29	31.29	12.12	4.37	4.55
Total Interest Expense	195.34	187.38	138.2	36.54	16.55	22.11
Net Interest Income	268.03	227.38	215.13	199.58	153.88	127.65
Net Interest Income Growth (YoY)	24.43%	5.70%	7.79%	29.69%	20.55%	59.16%
Gain (Loss) on Sale of Assets	3.52	0.05	0.95	-0.72	-0.52	-0.35
Gain (Loss) on Sale of Investments	0.05	0.01	-2.57	-0.05	0.38	0.14
Other Non-Interest Income	33.04	30.5	24.48	21.23	18.99	11.83
Total Non-Interest Income	50.54	44.19	35.18	29.31	35.78	21.56
Non-Interest Income Growth (YoY)	30.43%	25.61%	20.04%	-18.09%	65.93%	101.38%
Revenues Before Loan Losses	318.57	271.58	250.31	228.89	189.67	149.21
Provision for Loan Losses	14.93	10.87	4.48	10.89	8.05	11.44
Revenue	303.64	260.7	245.83	218	181.62	137.78
Revenue Growth (YoY)	21.51%	6.05%	12.77%	20.03%	31.82%	56.03%
Salaries and Employee Benefits	107.07	100.92	86.61	81.16	62.96	51.81
Occupancy Expenses	15.88	13.05	11.34	13.97	14.19	11.38
Selling, General & Administrative	23.68	18.82	18.15	12.55	5.57	1.61
Other Non-Interest Expense	51.42	43.63	40.37	36.06	32.26	26.64
Total Non-Interest Expense	198.05	176.42	156.47	143.73	114.99	91.43
EBT Excluding Unusual Items	105.59	84.29	89.36	74.27	66.63	46.34
Other Unusual Items	0.63	-	1.46	-0.5	-1.56	-
Pretax Income	104.03	83.05	90.59	68.59	64.56	36.78
Income Tax Expense	22.04	17.94	19.54	14.34	12.42	6.79
Net Income	81.99	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	76.59	59.71	65.64	52.91	52.14	29.99
Net Income Growth	27.23%	-8.36%	30.94%	4.06%	73.82%	26.17%
Basic Shares Outstanding	29	26	25	23	21	18
Diluted Shares Outstanding	30	26	25	23	21	18
Shares Change (YoY)	16.16%	4.57%	10.86%	10.58%	13.11%	33.45%
EPS (Basic)	2.61	2.27	2.62	2.34	2.54	1.65
EPS (Diluted)	2.60	2.26	2.59	2.32	2.53	1.64
EPS Growth	11.95%	-12.74%	11.64%	-8.30%	54.27%	-5.75%
Dividend Per Share	0.570	0.560	0.520	0.480	0.480	0.400
Dividend Growth	1.79%	7.69%	8.33%	-	20.00%	-
Effective Tax Rate	21.19%	21.61%	21.57%	20.90%	19.24%	18.45%

Updated Oct 23, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q