secwatch.observer — SEC 8-K summary
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Issuer:     Business First Bancshares, Inc. (BFST)
CIK:        0001624322
Form:       8-K
Filed at:   2026-01-22T23:59:59+00:00
Accession:  0001628280-26-003073
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

Business First Bancshares Q4 net income $21M, FY2025 EPS $2.79; dividend $0.15
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- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1624322/000162828026003073/0001628280-26-003073-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1624322/000162828026003073/bfst-20260122.htm
  HTML page:      https://secwatch.observer/filing/0001628280-26-003073

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