<span item_type="fundamental" item_id="37574bf5df8b289655b32dd7b5da4456" counter_id="ST/US/BFST" env="prod"></span><span item_type="announcement" item_id="577295287183806337" env="prod"></span><p>Revenue: As of FY2025 Q3, the actual value is USD 130.36 M.</p><p>EPS: As of FY2025 Q3, the actual value is USD 0.73, beating the estimate of USD 0.6475.</p><p>EBIT: As of FY2025 Q3, the actual value is USD -40.39 M.</p><p></p><h3>Segment Revenue</h3><ul><li><strong>Interest Income</strong>: Total interest income for the nine months ended September 30, 2025, was $347.2 million, an increase from $298.6 million for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1624322/000162432225000048/bfst-20250930.htm"></span></li></ul><h3>Operational Metrics</h3><ul><li><strong>Net Income</strong>: For the nine months ended September 30, 2025, net income available to common shareholders was $61.5 million, compared to $44.6 million for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1624322/000162432225000048/bfst-20250930.htm"></span></li><li><strong>Net Interest Income</strong>: Net interest income for the nine months ended September 30, 2025, was $202.3 million, up from $161.7 million for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1624322/000162432225000048/bfst-20250930.htm"></span></li><li><strong>Provision for Credit Losses</strong>: The provision for credit losses was $8.2 million for the nine months ended September 30, 2025, compared to $4.2 million for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1624322/000162432225000048/bfst-20250930.htm"></span></li></ul><h3>Cash Flow</h3><ul><li><strong>Net Cash Provided by Operating Activities</strong>: For the nine months ended September 30, 2025, net cash provided by operating activities was $75.2 million, compared to $44.1 million for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1624322/000162432225000048/bfst-20250930.htm"></span></li><li><strong>Net Cash Used in Investing Activities</strong>: For the nine months ended September 30, 2025, net cash used in investing activities was - $37.8 million, compared to - $293.0 million for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1624322/000162432225000048/bfst-20250930.htm"></span></li></ul><h3>Unique Metrics</h3><ul><li><strong>Earnings Per Share (EPS)</strong>: Basic EPS for the nine months ended September 30, 2025, was $2.09, compared to $1.77 for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1624322/000162432225000048/bfst-20250930.htm"></span></li></ul><h3>Future Outlook and Strategy</h3><ul><li><strong>Core Business Focus</strong>: The company aims to sustain and continue its organic loan and deposit growth while managing that growth effectively. It also focuses on maintaining important deposit customer relationships and its reputation.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1624322/000162432225000048/bfst-20250930.htm"></span></li><li><strong>Non-Core Business</strong>: The company is involved in mergers and acquisitions, such as the acquisition of Progressive Bancorp, Inc., to expand its market presence and enhance its service offerings.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1624322/000162432225000048/bfst-20250930.htm"></span></li></ul>

Business First Bancshares | 10-Q: FY2025 Q3 Revenue: USD 130.36 M