| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Consolidated net income | 23,564 | 22,359 | 22,856 | 42,646 |
| Gain on sale of branch | NaN | 0 | 0 | 3,360 |
| Provision for credit losses | 2,278 | 3,098 | 3,183 | 5,037 |
| Depreciation and amortization of premises and equipment | 1,625 | 1,410 | 1,397 | 2,873 |
| Net amortization (accretion) of purchase accounting adjustments | 73 | -951 | -472 | -890 |
| Stock based compensation cost | 901 | 2,457 | 1,291 | 2,073 |
| Net amortization (accretion) of securities | 199 | -62 | -175 | -561 |
| (gain) loss on sales of securities | 80 | 35 | 77 | -48 |
| Gain on sale of loans | 370 | 124 | 278 | 529 |
| Income on other equity securities | 416 | 603 | 419 | 1,077 |
| (gain) loss on sale of other real estate owned, net of writedowns | 41 | 312 | 429 | -230 |
| Other real estate owned valuation allowance | -69 | -63 | 259 | NaN |
| Loss on disposal of premises and equipment | NaN | -840 | NaN | NaN |
| Gain on disposal of premises and equipment | 28 | NaN | NaN | NaN |
| Increase in cash value of life insurance | 831 | 784 | 802 | 1,565 |
| Deferred income tax (benefit) expense | -2,068 | 115 | 751 | 333 |
| Gain on extinguishment of debt | 0 | 0 | 0 | 630 |
| Decrease in accrued interest receivable | -3,248 | 1,323 | 433 | 880 |
| (increase) decrease in other assets | -9,362 | 4,108 | -343 | 6,669 |
| Decrease in accrued interest payable | -967 | 102 | -765 | -1,092 |
| Increase (decrease) in other liabilities | -9,292 | -5,213 | 5,829 | 5,638 |
| Purchase of life insurance | NaN | 0 | 0 | 0 |
| Net cash provided by operating activities | 26,690 | 16,927 | 32,409 | 42,747 |
| Purchases of securities available for sale | 76,297 | 532,996 | 74,574 | 80,291 |
| Proceeds from maturities / sales of securities available for sale | 30,175 | 515,339 | 10,248 | 26,245 |
| Proceeds from paydowns of securities available for sale | 29,000 | 18,322 | 19,117 | 39,846 |
| Net cash paid in sale of branch | NaN | 0 | 0 | 43,084 |
| Net purchases of premises and equipment | NaN | -1,557 | 334 | 1,289 |
| Net cash paid in acquisition | -93,252 | 0 | 0 | 0 |
| Purchases of other equity securities | 104 | 4,566 | 411 | 9,340 |
| Redemption of other equity securities | 11,461 | 140 | 5,253 | 2,781 |
| Proceeds from death benefit of cash value of life insurance | 0 | 1 | 0 | 503 |
| Net decrease in loans | -85,545 | 175,393 | -9,356 | 68,246 |
| (gain) loss on disposal of premises and equipment | NaN | NaN | 0 | -155 |
| Net (purchases) disposals of premises and equipment | -888 | NaN | NaN | NaN |
| Proceeds from sales of other real estate | 859 | 5,123 | 682 | 3,961 |
| Net (increase) decrease in securities purchased under agreements to resell | -5,156 | -50,565 | -85 | 25,402 |
| Net decrease in federal funds sold | 84,136 | -71,290 | -61,807 | 158,373 |
| Net cash provided by in investing activities | 253,759 | -243,677 | -92,555 | 54,706 |
| Net increase (decrease) in deposits | 81,497 | 191,728 | 87,211 | -40,399 |
| Net decrease in securities sold under agreements to repurchase | -1,028 | -7,274 | 7,339 | -64 |
| Net increase (decrease) in federal funds purchased | NaN | 0 | NaN | NaN |
| Net repayments on federal home loan bank borrowings | -173,291 | 63,792 | -125,538 | 137,071 |
| Net (repayments) proceeds on bank term funding program | NaN | 0 | 0 | 0 |
| Repayment of subordinated debt | 0 | -115 | 58 | 6,427 |
| Net costs from issuance of common stock | NaN | 0 | 0 | 0 |
| Repurchase of common stock | 2,750 | 3,731 | NaN | NaN |
| Payment of dividends on preferred stock | 1,350 | 1,350 | 1,351 | 2,700 |
| Payment of dividends on common stock | 4,898 | 4,434 | 4,135 | 8,275 |
| Net cash used in financing activities | -101,820 | 238,846 | -36,532 | 79,206 |
| Net increase (decrease) in cash and due from banks | 178,629 | 12,096 | -96,678 | 176,659 |
| Cash and due from banks at beginning of period | 411,175 | 399,079 | 319,098 | NaN |
| Cash and due from banks at end of period | 589,804 | 411,175 | 399,079 | NaN |
Business First Bancshares, Inc. (BFST)
Business First Bancshares, Inc. (BFST)