Business First Bancshares, Inc.

Business First Bancshares, Inc.

BFSTยทNASDAQ

$27.73

-1.5%
Financial ServicesBanks - Regional

Business First Bancshares, Inc. operates as the bank holding company for b1BANK that provides various banking products and services. It offers various deposit products and services, including checking, demand, money market, time, and savings accounts; and certificates of deposits, remote deposit capture, and direct deposit services. The company also provides commercial and industrial loans, such as commercial lines of credit, letters of credit, working capital, term, equipment financing, asset acquisition, expansion and development, borrowing base, and other loan products; construction and development loans; commercial real estate loans; residential real estate loans comprising first and second lien 1-4 family mortgage loans, and home equity lines of credit; and consumer loans, including secured and unsecured installment and term loans. In addition, it offers wealth management products, including mutual funds, annuities, individual retirement accounts, and other financial products, as well as other fiduciary services and private banking products and services. Further, the company provides a range of other financial services comprising debit and credit cards, treasury and cash management, merchant, automated clearing house, lock-box, receivables factoring, correspondent banking, and other treasury services, as well as employee and payroll benefits solutions; and drive-through banking facilities, automated teller machines, night depository, personalized checks, electronic funds transfer, domestic and foreign wire transfer, traveler's checks, vault, loan and deposit sweep accounts, online and mobile banking, e-statements, and bank-by-mail services. As of March 01, 2022, it operates approximately 48 full-service banking centers and three loan production offices across Louisiana, and in the Dallas and Houston markets. Business First Bancshares, Inc. was incorporated in 2006 and is headquartered in Baton Rouge, Louisiana.

At a Glance

Live Snapshot
Market Cap$906.16M
EPS2.7900
P/E Ratio9.94
Earnings Date07/27/2026
3Y+94.0%
5Y+203.0%
10Y+948.0%
3Y+62.0%
5Y+193.0%
10Y+1619.0%
3Y+32.0%
5Y+214.0%
10Y+1030.0%
Business First Bancshares, Inc.

Business First Bancshares, Inc. Profit Bridge

BFST ยท NASDAQ
Revenue511.93M
Cost of Goods Sold (200.07M)
Gross Profit311.86M
Operating Expenses (198.45M)
Operating Income113.41M
Interest Expense (191.85M)
Other Income/Expense-3.10M
Pretax Income110.31M
Income Tax (22.45M)
Net Income87.86M
Net Income
87.86M

Profitability Analysis

Gross Margin

60.9%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

22.2%

Healthy operating margins demonstrate effective cost control and strong business fundamentals.

Net Profit Margin

17.2%

Strong net margins indicate efficient operations and favorable tax/interest management.

Effective Tax Rate

20.4%

Moderate tax rate typical for most corporations. Represents standard tax burden on profits.

Profitability Insight

Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.

Business First Bancshares, Inc. Income Statement

BFST โ€ข NASDAQ

Business First Bancshares, Inc. Income StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012
REVENUE
511.9M
457.7M
385.6M
264.1M
203.1M
168.8M
112.6M
84M
57.2M
48.8M
41.8M
24.6M
25.7M
22.8M
GROSS PROFIT
(200.1M)
(198.3M)
(142.7M)
(47.4M)
(24.6M)
(33.5M)
(25.9M)
(16.4M)
(11.5M)
(7M)
(5.7M)
(0.0)
(0.0)
(0.0)
311.9M
259.5M
242.9M
216.7M
178.5M
135.2M
86.7M
67.6M
45.8M
41.8M
36.1M
24.6M
25.7M
22.8M
OPERATING INCOME
(198.5M)
(176.4M)
(152.4M)
(148.1M)
(114M)
(98.5M)
(56.9M)
(50.2M)
(36.8M)
(35.1M)
(30.5M)
(19.2M)
(20.1M)
(18.3M)
(130.8M)
(111.9M)
(98.3M)
(91.8M)
(70.4M)
(65.7M)
(39.6M)
(31.4M)
(24.9M)
(22.9M)
(18.7M)
(14.2M)
(13.8M)
(13.6M)
113.4M
83.1M
90.6M
68.6M
64.6M
36.8M
29.9M
17.4M
9M
6.7M
5.6M
5.4M
5.6M
4.5M
PRE-TAX INCOME
(191.8M)
(187.4M)
(138.2M)
(36.5M)
(16.6M)
(22.1M)
(23.3M)
(14M)
(7.2M)
(5.8M)
(4.5M)
(0.0)
(0.0)
(0.0)
273.2M
227.4M
215.1M
199.6M
153.9M
127.6M
80.2M
62.2M
44.4M
37.6M
34.2M
0.0
0.0
0.0
(67.6M)
(64.5M)
(54M)
(56.3M)
(43.5M)
(32.8M)
(17.3M)
(18.9M)
(11.9M)
(12.2M)
(11.8M)
(0.0)
(0.0)
(0.0)
-3.1M
-43K
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
110.3M
83.1M
90.6M
68.6M
64.6M
36.8M
29.9M
17.4M
9M
6.7M
5.6M
5.4M
5.6M
4.5M
NET INCOME
(22.4M)
(17.9M)
(19.5M)
(14.3M)
(12.4M)
(6.8M)
(6.1M)
(3.3M)
(4.1M)
(1.6M)
(1.5M)
(1.4M)
(1M)
(887K)
87.9M
65.1M
71M
54.3M
52.1M
30M
23.8M
14.1M
4.8M
5.1M
4.1M
4M
4.3M
3.8M

SEC Filings

BFST - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

May 27, 2026
May 21, 2026
2026
10-Q

10-Q 2026 Q1

Q1

May 01, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

April 27, 2026
April 27, 2026
2026
DEF 14A

DEF 14A 2026

N/A

April 08, 2026
May 21, 2026
2026
8-K

8-K 2026

N/A

April 02, 2026
April 02, 2026
2026
10-K

10-K 2025 FY

FY

February 26, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

February 24, 2026
February 19, 2026
2026
8-K/A

8-K/A 2026 (Amended)

N/A

January 23, 2026
January 22, 2026
2026
8-K

8-K 2026

N/A

January 22, 2026
January 22, 2026
2026
8-K

8-K 2026

N/A

January 05, 2026
January 01, 2026
2026
Showing 1 to 10 of 212 filings