{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-26-003073","form_type":"8-K","ticker":"BFST","cik":"0001624322","company_name":"Business First Bancshares, Inc.","filed_at":"2026-01-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:35.668725+00:00","generated_at":"2026-05-16T08:46:48.267524+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Business First Bancshares Q4 net income $21M, FY2025 EPS $2.79; dividend $0.15","bullets":["Q4 GAAP net income $21.0M ($0.71 diluted EPS); core net income $23.5M ($0.79).","FY2025 net income $82.5M ($2.79 diluted EPS), up $0.53 YoY; core $83.5M ($2.83).","Quarterly common dividend $0.15/share, payable Feb. 28, 2026; preferred $18.75/share.","Loans grew $168.4M (+2.8% QoQ); deposits $191.7M (+2.95%). NIM stable at 3.71%.","NPL ratio rose to 1.24% from single $25.8M CRE credit; tangible book value $23.36."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-26-003073","json":"https://secwatch.observer/filing/0001628280-26-003073.json","markdown":"https://secwatch.observer/filing/0001628280-26-003073.md","text":"https://secwatch.observer/filing/0001628280-26-003073.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1624322/000162828026003073/0001628280-26-003073-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1624322/000162828026003073/bfst-20260122.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T08:46:48.267524+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"}