Business First Bancshares, Inc. — Form 8-K
Filed July 23, 2026 · analyzed by the 8-K Agent
8-K
— Neutral
significance 42/100
What the filing says
Business First reported Q2 2026 core net income of $23.3M ($0.71 diluted EPS), up 19.5% YoY, with net interest margin expanding 8 bps to 3.73%. Key actions: completed $85M subordinated debt issuance (April), acquired American Planning Corporation (June 29), sold $100.3M lower-yielding Progressive loans, repurchased 176,849 shares at $27.22/share ($4.8M). Deposits declined $229.4M QoQ (annualized -12.3%); loans declined $24.8M QoQ but rose $611.8M YoY (+10.1%). Nonperforming loans improved to 1.26% of HFI from 1.53% prior quarter.
Why this rating
Solid quarterly earnings growth and margin expansion are positive, but deposit outflow (-12.3% annualized) and loan repositioning merit caution. Relative to $698M market cap, all moves are moderate.
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