Business First Bancshares, Inc. (BFST)

Business First Bancshares Cash Flow 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
Net Income	87.86	65.11	71.04	54.26	52.14
Depreciation & Amortization	5.68	5.26	4.67	4.82	4.16
Provision for Credit Losses	11.32	10.87	4.48	10.89	8.05
Stock-Based Compensation	5.82	3	4	3.7	2.86
Other Adjustments	-10.87	-8.88	-11.49	-7.06	-11.96
Changes in Accrued Interest and Accounts Receivable	-2.64	-3.08	-4.25	-3.47	4.3
Changes in Accounts Payable	-1.76	-10.5	12.75	0.52	-1.15
Changes in Other Operating Activities	-4.18	-0.38	9.76	5.92	-1.96
Operating Cash Flow	92.08	61.41	90.97	69.58	56.44
Operating Cash Flow Growth	49.95%	-32.50%	30.75%	23.27%	92.38%
Net Change in Short-Term Interbank Lending and Reverse Repurchase Agreements	50.52	-94.79	-135.53	211.44	-52.89
Net Change in Loans Held-for-Investment	-234.28	-294.94	-379.07	-1,070	-187.63
Net Change in Securities and Investments	-64.89	1.12	20.65	18.82	-403.57
Payments for Business Acquisitions	-43.08	-	-14.51	-	-13.73
Proceeds from Business Divestments	-	96.82	-	163.46	-7.26
Capital Expenditures	-0.07	-1.56	-11.65	-7.78	-3.97
Other Investing Activities	11.11	-1.56	-1.03	-16.1	-6.31
Investing Cash Flow	-281.53	-294.92	-521.14	-700.52	-675.35
Net Change in Deposits	238.54	520.57	444.78	265.83	480.12
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	0	3.74	-15.38	15.14	-2.7
Short-Term Debt Issued	-	-	-	-0.01	-5
Net Short-Term Debt Issued (Repaid)	-	-	-	-0.01	-5
Long-Term Debt Issued	75.33	-177.51	101.1	327.2	85.52
Long-Term Debt Repaid	-6.37	-	-8.9	-	-
Net Long-Term Debt Issued (Repaid)	68.96	-177.51	92.2	327.2	85.52
Issuance of Common Stock	-	-0.03	-	48.49	3.56
Repurchase of Common Stock	-3.73	-	-	-1.1	-13.92
Net Common Stock Issued (Repurchased)	-3.73	-0.03	-	47.39	-10.35
Issuance of Preferred Stock	-	-	-	71.93	-
Net Preferred Stock Issued (Repurchased)	-	-	-	71.93	-
Common Dividends Paid	-16.84	-14.86	-12.66	-10.82	-9.44
Preferred Share Dividends Paid	-5.4	-5.4	-5.4	-1.35	-
Financing Cash Flow	281.52	326.5	503.54	715.31	538.16
Net Cash Flow	92.08	92.99	73.37	84.37	-80.76
Free Cash Flow	92.02	59.85	79.32	61.8	52.47
Free Cash Flow Growth	53.75%	-24.55%	28.36%	17.77%	98.99%
FCF Margin	29.36%	22.96%	32.08%	28.35%	28.89%
Free Cash Flow Per Share	3.11	2.26	3.14	2.71	2.54
Levered Free Cash Flow	148.46	-128.07	169.12	380.11	134.04
Unlevered Free Cash Flow	-2.96	-10.26	11.28	0.01	1.38

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q