Monitor Q2 earnings for signs of organic loan growth recovery and stabilization of asset quality metrics. The core EPS beat and capital ratio improvements suggest underlying strength, but the GAAP miss and rising nonperforming loans require close attention.
Price Chart
Executive Summary
Business First Bancshares (BFST) reported Q1 2026 earnings with GAAP EPS of $0.68, a 1.4% miss versus consensus of $0.69, and core EPS of $0.73, a 5.8% beat. Net interest income rose 6.1% QoQ to $75.2M, but ROAA and ROACE declined. The Progressive Bank acquisition drove balance sheet growth, but organic loan growth was negative. Asset quality metrics deteriorated, with nonperforming loans rising to 1.53% of total loans.
Key Financial Metrics
Key Facts
- GAAP EPS of $0.68 missed consensus of $0.69 by 1.4%
- Core EPS of $0.73 beat the prior quarter's $0.79 by 5.8%
- Net interest income increased 6.1% QoQ to $75.2 million
- Nonperforming loans rose to 1.53% of total loans, up from 1.24% in Q4 2025
- Progressive Bank acquisition added $774M in assets and $685M in deposits
- Organic loan growth declined 1.5% QoQ, excluding acquisition-related growth
Financial Impact
GAAP EPS miss of $0.01, core EPS beat of $0.04, net interest income up $4.3M QoQ
Risk Factors
- Deteriorating asset quality with nonperforming loans increasing to 1.53% of total loans
- Negative organic loan growth of 1.5% QoQ, indicating potential challenges in core business
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 7 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001624322-26-000024 |
| Document: bfstq126investorpresenta.htm | 0001624322-26-000024 |
| Document: bfst-20260427.htm | 0001624322-26-000024 |
| Document: 0001624322-26-000024-index-headers.html | 0001624322-26-000024 |
| Document: 0001624322-26-000024-index.html | 0001624322-26-000024 |
| Document: 0001624322-26-000024.txt | 0001624322-26-000024 |
| 8-K Data (Synthetic) | 0001624322-26-000024 |
Track record builds as more directional reports settle.
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 26, 2026 today | Press Release | $31.61 | awaiting T+20 | — | $31.80 (−0.60%) |
Oct 26, 2026 today | 8-K | $31.61 | awaiting T+20 | — | $31.80 (−0.60%) |
Oct 1, 2026 25d ago | Press Release | $30.90 | awaiting T+20 | — | $31.80 (+2.91%) |
Aug 12, 2026 10w ago | Institutional Cluster | $32.28 $31.42 | ▼ −2.66% | ▼ −0.92% | $31.80 (−1.49%) |
Aug 7, 2026 11w ago | Insider Cluster | $31.54 $31.38 | ▼ −0.51% | ▲ +0.41% | $31.80 (+0.82%) |
Aug 7, 2026 11w ago | Insider Cluster | $31.54 $31.38 | ▼ −0.51% | ▲ +0.41% | $31.80 (+0.82%) |
Aug 6, 2026 11w ago | Insider Cluster | $31.66 $31.84 | ▲ +0.57% | ▲ +0.97% | $31.80 (+0.44%) |
Aug 5, 2026 11w ago | Insider Cluster | $31.71 $31.49 | ▼ −0.69% | ▼ −1.29% | $31.80 (+0.28%) |
Jul 31, 2026 12w ago | Insider Cluster | $31.92 $31.02 | ▼ −2.82% | ▼ −4.06% | $31.80 (−0.38%) |
Jul 30, 2026 12w ago | Insider Cluster | $31.82 $31.21 | ▼ −1.92% | ▼ −4.90% | $31.80 (−0.06%) |
US Market Status
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