Financial insights of BFST

MyFinsight

For the quarter ending 2025-09-30, BFST made $228,653K in revenue. $21,505K in net income. Net profit margin of 9.41%.

Income Overview

Revenue
$228,653K
Net Income
$21,505K
Net Profit Margin
9.41%
EPS
$0.73
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Interest on deposits
Salaries and employee benefits
Others

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Income Statement	2025-09-30	2025-06-30	2025-03-31	2024-09-30
Interest and fees on loans	106,662	104,028	102,992	93,307
Interest and dividends on non-taxable securities	2,924	1,047	1,075	1,050
Interest and dividends on taxable securities	4,630	5,859	6,190	5,367
Interest on federal funds sold and due from banks	4,472	3,916	3,436	3,017
Total interest income	118,688	114,850	113,693	102,741
Interest on deposits	43,358	41,546	42,439	41,303
Interest on borrowings	6,054	6,262	5,271	5,324
Total interest expense	49,412	47,808	47,710	46,627
Net interest income	69,276	67,042	65,983	56,114
Provision for credit losses	3,183	2,225	2,812	1,665
Net interest income after provision for credit losses	66,093	64,817	63,171	54,449
Service charges on deposit accounts	2,565	2,633	2,860	2,723
Gain (loss) on sales of securities	77	-47	-1	-13
Gain on sales of loans	624	781	1,256	122
Other income	8,405	11,048	9,111	7,942
Total other income	11,671	14,415	13,226	10,774
Salaries and employee benefits	27,613	28,317	29,497	24,877
Occupancy and equipment expense	7,284	7,162	7,356	5,828
Other expenses	13,985	15,727	13,725	11,745
Total other expenses	48,882	51,206	50,578	42,450
Income before income taxes	28,882	28,026	25,819	22,773
Provision for income taxes	6,026	5,923	5,276	4,930
Net income	22,856	22,103	20,543	17,843
Preferred stock dividends	1,351	1,350	1,350	1,351
Net income available to common shareholders	21,505	20,753	19,193	16,492

Basic (in dollars per share)	0.73	0.7	0.65	0.65
Diluted (in dollars per share)	0.73	0.7	0.65	0.65
Weighted average common shares outstanding (in shares)	29,544,425	29,517,495	29,329,668	25,289,094
Weighted average dilutive common shares (in shares)	29,656,639	29,586,975	29,545,921	25,440,247

MyFinsight

Income Overview

Revenue
$228,653K
Net Income
$21,505K
Net Profit Margin
9.41%
EPS
$0.73
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Interest on deposits
Salaries and employee benefits
Others

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

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Income Overview

Revenue
$228,653K
Net Income
$21,505K
Net Profit Margin
9.41%
EPS
$0.73
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Interest on deposits
Salaries and employee benefits
Others

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Revenue$228,653KNet Income$21,505KNet Profit Margin9.41%EPS$0.73Unit: Thousand (K) dollarsRevenue BreakdownInterest and fees on loansInterest on depositsSalaries and employee benefitsOthers

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Revenue$228,653KNet Income$21,505KNet Profit Margin9.41%EPS$0.73Unit: Thousand (K) dollarsRevenue BreakdownInterest and fees on loansInterest on depositsSalaries and employee benefitsOthers

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Revenue
$228,653K
Net Income
$21,505K
Net Profit Margin
9.41%
EPS
$0.73
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Interest on deposits
Salaries and employee benefits
Others

Revenue
$228,653K
Net Income
$21,505K
Net Profit Margin
9.41%
EPS
$0.73
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Interest on deposits
Salaries and employee benefits
Others