secwatch.observer — SEC 8-K summary
======================================

Issuer:     Business First Bancshares, Inc. (BFST)
CIK:        0001624322
Form:       8-K
Filed at:   2025-01-23T23:59:59+00:00
Accession:  0001624322-25-000005
Event type: earnings
Sentiment:  neutral
Materiality: 0.65
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1624322/000162432225000005/0001624322-25-000005-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1624322/000162432225000005/bfst-20250123.htm
  HTML page:      https://secwatch.observer/filing/0001624322-25-000005

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer