---
schema_version: "secwatch.filing_event.v1"
accession: "0001624322-24-000017"
form_type: "8-K"
ticker: "BFST"
cik: "0001624322"
company_name: "Business First Bancshares, Inc."
filed_at: "2024-10-24T23:59:59+00:00"
generated_at: "2026-05-30T10:30:56.898954+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# BFST Q3 net income $16.5M ($0.65 EPS); closes Oakwood acquisition; declares $0.14 common dividend

## Summary
- Q3 net income available to common shares: $16.5M, $0.65 diluted EPS; core EPS $0.68.
- Net interest margin expanded to 3.51% (GAAP); loans held for investment up $57.3M (4.41% annualized).
- Deposits grew $77.3M (5.53% annualized); nonperforming loans ratio rose to 0.50% (up 7 bps).
- Closed acquisition of Oakwood Bancshares on Oct 1; Oakwood had $863.6M assets and $741.3M deposits as of Sep 30.
- Board declared $0.14/share common dividend and $18.75/share preferred dividend payable Nov 30 to record Nov 15.

## SEC filing metadata
- accession: 0001624322-24-000017
- form_type: 8-K
- ticker: BFST
- cik: 0001624322
- company_name: Business First Bancshares, Inc.
- filed_at: 2024-10-24T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1624322/000162432224000017/0001624322-24-000017-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1624322/000162432224000017/bfst-20241024.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001624322-24-000017
- JSON: https://secwatch.observer/filing/0001624322-24-000017.json
- Plain text: https://secwatch.observer/filing/0001624322-24-000017.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.