Business First Q4 net income $15.1M, FY net income $59.7M; Oakwood acquisition adds scale

Business First Bancshares, Inc.

2024-FY EPS reported $2.26 revenue$10,577,000

Q4 net income available to common $15.1M ($0.51 diluted EPS); core net income $19.5M ($0.66 diluted EPS).
Net interest margin expanded to 3.61% from 3.51% linked quarter; cost of funds declined 14 bps to 2.93%.
Deposits grew $870.4M (15.43%) including Oakwood; organic deposit growth $156.8M (2.78%).
Loans increased $761.3M (14.58%) including Oakwood; organic loan growth $62.8M (1.20%).
Common dividend declared $0.14/share, preferred $18.75/share, payable Feb 28, 2025; record Feb 15, 2025.

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