For the year ending 2025-12-31, BFST had $92,077K increase in cash & cash equivalents over the period. $92,017K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Consolidated net income | 87,861 |
| Provision for credit losses | 11,318 |
| Depreciation and amortization | 5,680 |
| Net accretion of purchase accounting adjustments | -2,313 |
| Stock based compensation cost | 5,821 |
| Net amortization of securities | -798 |
| (gain) loss on sales of securities | 64 |
| Gain on sales of loans | 931 |
| Income on other equity securities | 2,099 |
| Gain on sales of other real estate owned, net of writedowns | 511 |
| Other real estate owned valuation allowance | 196 |
| Loss on disposal of premises and equipment | -840 |
| Increase in cash value of life insurance | 3,151 |
| Deferred income tax expense (benefit) | 1,199 |
| Gain on extinguishment of debt | 630 |
| Gain on sale of branch | 3,360 |
| Increase in accrued interest receivable | 2,636 |
| (increase) decrease in other assets | 10,434 |
| Increase (decrease) in accrued interest payable | -1,755 |
| Increase (decrease) in other liabilities | 6,254 |
| Net cash provided by operating activities | 92,083 |
| Purchases of securities available for sale | 687,861 |
| Proceeds from maturities / sales of securities available for sale | 551,832 |
| Proceeds from paydowns of securities available for sale | 77,285 |
| Net cash received in acquisition | 0 |
| Net cash paid in sale of branch | 43,084 |
| Purchases of other equity securities | 14,317 |
| Redemption of other equity securities | 8,174 |
| Purchase of life insurance | 0 |
| Proceeds from death benefit of cash value of life insurance | 504 |
| Net increase in loans | 234,283 |
| Net purchases of premises and equipment | 66 |
| Proceeds from sales of other real estate | 9,766 |
| Net (increase) decrease in securities purchased under agreements to resell | -25,248 |
| Net (increase) decrease in federal funds sold | 25,276 |
| Net cash used in investing activities | -281,526 |
| Net increase in deposits | 238,540 |
| Net increase (decrease) in securities sold under agreements to repurchase | 1 |
| Net increase (decrease) in federal funds purchased | 0 |
| Net advances (repayments) on federal home loan bank borrowings | 75,325 |
| Net (repayments) proceeds on bank term funding program | 0 |
| Repayment of subordinated debt | 6,370 |
| Net costs from issuance of common stock | 0 |
| Repurchase of common stock | 3,731 |
| Payment of dividends on preferred stock | 5,401 |
| Payment of dividends on common stock | 16,844 |
| Net cash provided by financing activities | 281,520 |
| Net increase in cash and due from banks | 92,077 |
| Cash and due from banks at beginning of period | 319,098 |
| Cash and due from banks at end of period | 411,175 |
Business First Bancshares, Inc. (BFST)
Business First Bancshares, Inc. (BFST)