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

Revenue: As of FY2025 Q3, the actual value is USD 130.36 M.

EPS: As of FY2025 Q3, the actual value is USD 0.73, beating the estimate of USD 0.6475.

EBIT: As of FY2025 Q3, the actual value is USD -40.39 M.

Segment Revenue

• Interest Income: 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.

Operational Metrics

• Net Income: 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.
• Net Interest Income: 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.
• Provision for Credit Losses: 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.

Cash Flow

• Net Cash Provided by Operating Activities: 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.
• Net Cash Used in Investing Activities: 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.

Unique Metrics

• Earnings Per Share (EPS): Basic EPS for the nine months ended September 30, 2025, was $2.09, compared to $1.77 for the same period in 2024.

Future Outlook and Strategy

• Core Business Focus: 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.
• Non-Core Business: 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.