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Business First (BFST) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates
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For the quarter ended September 2026, Business First (BFST - Free Report) reported revenue of $93.18 million, up 15.1% over the same period last year. EPS came in at $0.79, compared to $0.72 in the year-ago quarter.
The reported revenue represents a surprise of -0.47% over the Zacks Consensus Estimate of $93.62 million. With the consensus EPS estimate being $0.74, the EPS surprise was +6.76%.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how Business First performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
Efficiency Ratio: 64.9% versus 62.1% estimated by three analysts on average.
Net Interest Margin: 3.9% compared to the 3.8% average estimate based on three analysts.
Net Charge-offs (Recoveries) to Average Quarterly Total Loans: 0.1% versus 0.1% estimated by three analysts on average.
Average Outstanding Balance - Total Interest Earning Assets: $8.29 billion compared to the $8.39 billion average estimate based on two analysts.
Total Other Income: $12.51 million versus the three-analyst average estimate of $13.88 million.
Net Interest Income: $80.66 million compared to the $79.61 million average estimate based on three analysts.
Total Other Income - Service charges on deposit accounts: $3.34 million versus the two-analyst average estimate of $3.24 million.
Total Other Income - Fees and brokerage commissions: $2.46 million versus the two-analyst average estimate of $3.11 million.
Total Other Income - Debit card and ATM fee income: $2.38 million versus the two-analyst average estimate of $2.44 million.
Total Other Income - Cash Value of Life Insurance Income: $0.98 million versus $0.86 million estimated by two analysts on average.
Shares of Business First have returned +3.1% over the past month versus the Zacks S&P 500 composite's -1.2% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.
View the Zacks #1 Rank List
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Business First (BFST) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates
For the quarter ended September 2026, Business First (BFST - Free Report) reported revenue of $93.18 million, up 15.1% over the same period last year. EPS came in at $0.79, compared to $0.72 in the year-ago quarter.
The reported revenue represents a surprise of -0.47% over the Zacks Consensus Estimate of $93.62 million. With the consensus EPS estimate being $0.74, the EPS surprise was +6.76%.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how Business First performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:View all Key Company Metrics for Business First here>>>
Shares of Business First have returned +3.1% over the past month versus the Zacks S&P 500 composite's -1.2% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.