{"schema_version":"secwatch.filing_event.v1","accession":"0001624322-25-000005","form_type":"8-K","ticker":"BFST","cik":"0001624322","company_name":"Business First Bancshares, Inc.","filed_at":"2025-01-23T23:59:59+00:00","discovered_at":"2026-05-14T18:03:04.223724+00:00","generated_at":"2026-05-27T14:27:54.921243+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Business First Q4 net income $15.1M, FY net income $59.7M; Oakwood acquisition adds scale","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001624322-25-000005","json":"https://secwatch.observer/filing/0001624322-25-000005.json","markdown":"https://secwatch.observer/filing/0001624322-25-000005.md","text":"https://secwatch.observer/filing/0001624322-25-000005.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1624322/000162432225000005/0001624322-25-000005-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1624322/000162432225000005/bfst-20250123.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T14:27:54.921243+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}