For the quarter ending 2025-09-30, BFST had -$96,678K decrease in cash & cash equivalents over the period. $32,075K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Consolidated net income | 22,856 | 42,646 |
| Provision for credit losses | 3,183 | 5,037 |
| Depreciation and amortization | 1,397 | 2,873 |
| Net accretion of purchase accounting adjustments | -472 | -890 |
| Stock based compensation cost | 1,291 | 2,073 |
| Net amortization of securities | -175 | -561 |
| (gain) loss on sales of securities | 77 | -48 |
| Gain on sale of loans | 278 | 529 |
| Income on other equity securities | 419 | 1,077 |
| Gain on sale of other real estate owned, net of writedowns | 429 | -230 |
| Other real estate owned valuation allowance | 259 | - |
| Increase in cash value of life insurance | 802 | 1,565 |
| Deferred income tax expense | 751 | 333 |
| Gain on extinguishment of debt | 0 | 630 |
| Gain on sale of branch | 0 | 3,360 |
| Increase in accrued interest receivable | 433 | 880 |
| Increase in other assets | -343 | 6,669 |
| Decrease in accrued interest payable | -765 | -1,092 |
| Increase in other liabilities | 5,829 | 5,638 |
| Net cash provided by operating activities | 32,409 | 42,747 |
| Purchases of securities available for sale | 74,574 | 80,291 |
| Proceeds from maturities / sales of securities available for sale | 10,248 | 26,245 |
| Proceeds from paydowns of securities available for sale | 19,117 | 39,846 |
| Net cash paid in acquisition | 0 | 0 |
| Net cash paid in sale of branch | 0 | 43,084 |
| Purchases of other equity securities | 411 | 9,340 |
| Redemption of other equity securities | 5,253 | 2,781 |
| Purchase of life insurance | 0 | 0 |
| Proceeds from death benefit of cash value of life insurance | 0 | 503 |
| Net increase in loans | -9,356 | 68,246 |
| Net purchases of premises and equipment | 334 | 1,289 |
| (gain) loss on disposal of premises and equipment | 0 | -155 |
| Proceeds from sales of other real estate | 682 | 3,961 |
| Net (increase) decrease in securities purchased under agreements to resell | -85 | 25,402 |
| Net (increase) decrease in federal funds sold | -61,807 | 158,373 |
| Net cash used in investing activities | -92,555 | 54,706 |
| Net increase in deposits | 87,211 | -40,399 |
| Net increase in securities sold under agreements to repurchase | 7,339 | -64 |
| Net advances on federal home loan bank borrowings | -125,538 | 137,071 |
| Repayment of bank term funding program | 0 | 0 |
| Repayment of subordinated debt | 58 | 6,427 |
| Costs from issuance of common stock | 0 | 0 |
| Payment of dividends on preferred stock | 1,351 | 2,700 |
| Payment of dividends on common stock | 4,135 | 8,275 |
| Net cash provided by financing activities | -36,532 | 79,206 |
| Net increase (decrease) in cash and due from banks | -96,678 | 176,659 |
| Cash and cash equivalents at beginning of period | 319,098 | - |
| Cash and cash equivalents at end of period | 399,079 | - |
Business First Bancshares, Inc. (BFST)
Business First Bancshares, Inc. (BFST)