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Dec 31, 2025
Business First Q4 2025 Earnings Report
Business First reported solid Q4 results with rising core earnings and book value growth.
Key Takeaways
Business First Bancshares delivered steady Q4 performance, with $83.1 million in revenue and $21 million in net income. Core profitability improved, and loan and deposit growth remained strong across key regions.
Net income available to common shareholders was $21 million in Q4.
Adjusted EPS came in at $0.79, up from the prior quarter.
Deposits and loans both grew by nearly 3% sequentially.
Tangible book value per share rose to $23.36.
Forward Guidance
Management expects continued core profitability and tangible book value growth driven by organic growth and efficient execution.
Positive Outlook
- Strong momentum in core earnings.
- Tangible book value continues to grow.
- Loan and deposit growth remains solid.
- Net interest margin held steady.
- Positive trends expected to continue into 2026.
Challenges Ahead
- Nonperforming loans increased due to a single large relationship.
- Provision for credit losses remained elevated.
- Operating expenses rose due to higher salaries and benefits.
- Loan yields slightly declined from prior quarter.
- Noninterest-bearing deposits decreased.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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