Financial Performance - Business First (BFST) reported revenue of $83.09 million for the quarter ended December 2025, reflecting a 7.1% increase year-over-year [1] - Earnings per share (EPS) for the quarter was $0.79, up from $0.66 in the same quarter last year [1] - The reported revenue exceeded the Zacks Consensus Estimate of $81.5 million, resulting in a surprise of +1.95% [1] - The company achieved an EPS surprise of +9.72%, with the consensus EPS estimate being $0.72 [1] Key Metrics - Net Interest Margin stood at 3.7%, matching the two-analyst average estimate [4] - Efficiency Ratio was reported at 63.1%, higher than the average estimate of 60.7% based on two analysts [4] - Total Other Income reached $12.23 million, surpassing the two-analyst average estimate of $11.48 million [4] - Net Interest Income was reported at $70.86 million, compared to the average estimate of $69.13 million by two analysts [4] Stock Performance - Shares of Business First have returned +5.1% over the past month, outperforming the Zacks S&P 500 composite's +0.7% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the broader market in the near term [3]

分组1 - Business First reported quarterly earnings of $0.72 per share, exceeding the Zacks Consensus Estimate of $0.69 per share, and showing an increase from $0.68 per share a year ago, representing an earnings surprise of +4.35% [1] - The company achieved revenues of $80.95 million for the quarter ended September 2025, surpassing the Zacks Consensus Estimate by 0.56%, and up from $66.89 million year-over-year [2] - Business First has consistently surpassed consensus EPS and revenue estimates over the last four quarters [2] 分组2 - The stock has underperformed, losing about 9% since the beginning of the year, while the S&P 500 gained 13.9% [3] - The current consensus EPS estimate for the upcoming quarter is $0.70 on revenues of $81.4 million, and for the current fiscal year, it is $2.69 on revenues of $318.4 million [7] - The Zacks Industry Rank for Banks - Northeast is in the top 24% of over 250 Zacks industries, indicating a favorable outlook for the industry [8]

Core Viewpoint - Business First (BFST) is positioned well to potentially beat earnings estimates in its upcoming quarterly report, supported by a solid history of exceeding expectations and positive analyst sentiment [1][4]. Earnings Performance - In the last reported quarter, Business First achieved earnings of $0.66 per share, surpassing the Zacks Consensus Estimate of $0.65 per share, resulting in a surprise of 1.54% [2]. - In the previous quarter, the company was expected to earn $0.61 per share but delivered $0.65 per share, leading to a surprise of 6.56% [2]. Analyst Estimates - Recent estimates for Business First have been trending upward, indicating growing analyst confidence in the company's near-term earnings potential [4]. - The Zacks Earnings ESP for Business First is currently +0.49%, suggesting a favorable outlook for an earnings beat [7]. Predictive Metrics - Stocks with a positive Earnings ESP and a Zacks Rank of 3 (Hold) or better have a historical success rate of nearly 70% in beating consensus estimates [5]. - The Zacks Earnings ESP compares the Most Accurate Estimate to the Zacks Consensus Estimate, with the Most Accurate Estimate reflecting the latest analyst revisions [6]. Upcoming Earnings Report - Business First's next earnings report is anticipated to be released on October 23, 2025, which could further clarify its earnings trajectory [7].

Core Insights - Business First (BFST) reported revenue of $81.46 million for the quarter ended June 2025, marking a year-over-year increase of 23.1% [1] - The earnings per share (EPS) for the same period was $0.66, compared to $0.64 a year ago, indicating a slight improvement [1] - The reported revenue exceeded the Zacks Consensus Estimate of $78.86 million by 3.29%, while the EPS surpassed the consensus estimate of $0.65 by 1.54% [1] Financial Performance Metrics - The net interest margin was reported at 3.7%, matching the average estimate from two analysts [4] - The efficiency ratio was 62.8%, slightly better than the estimated 63.8% [4] - Total other income (Non-Interest Income) was $11.05 million, below the average estimate of $11.95 million [4] - Net interest income stood at $67.04 million, exceeding the average estimate of $66.91 million [4] Stock Performance - Business First shares have returned +3% over the past month, compared to a +4.9% change in the Zacks S&P 500 composite [3] - The stock currently holds a Zacks Rank 2 (Buy), suggesting potential outperformance against the broader market in the near term [3]

Group 1: Earnings Performance - Isabella Bank Corporation reported quarterly earnings of $0.55 per share, matching the Zacks Consensus Estimate, and an increase from $0.46 per share a year ago [1] - The company had a surprise of +9.62% in the previous quarter, posting earnings of $0.57 per share against an expected $0.52 [1] - Over the last four quarters, Isabella Bank has surpassed consensus EPS estimates three times [1] Group 2: Revenue Performance - For the quarter ended June 2025, Isabella Bank posted revenues of $18.82 million, exceeding the Zacks Consensus Estimate by 2.26%, compared to $17.16 million in the same quarter last year [2] - The company has topped consensus revenue estimates two times over the last four quarters [2] Group 3: Stock Performance and Outlook - Isabella Bank shares have increased by approximately 26.9% since the beginning of the year, outperforming the S&P 500's gain of 8.1% [3] - The company's earnings outlook, including current consensus earnings expectations for upcoming quarters, will be crucial for future stock performance [4] - The current consensus EPS estimate for the next quarter is $0.59 on revenues of $19.2 million, and for the current fiscal year, it is $2.31 on revenues of $75.35 million [7] Group 4: Industry Context - The Banks - Northeast industry, to which Isabella Bank belongs, is currently in the top 23% of over 250 Zacks industries, indicating a favorable outlook [8] - Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions, which can impact stock performance [5]

Core Insights - Business First (BFST) reported revenue of $79.21 million for Q1 2025, a 30% year-over-year increase, with an EPS of $0.65 compared to $0.50 a year ago [1] - The revenue exceeded the Zacks Consensus Estimate of $76.58 million by 3.44%, while the EPS surpassed the consensus estimate of $0.61 by 6.56% [1] Financial Performance Metrics - Net Interest Margin was reported at 3.7%, slightly above the average estimate of 3.6% from two analysts [4] - Efficiency Ratio stood at 63.9%, better than the average estimate of 65.9% from two analysts [4] - Total other income (Non-Interest Income) was $13.23 million, exceeding the estimated $11.75 million [4] - Net Interest Income reached $65.98 million, surpassing the average estimate of $64.83 million [4] Stock Performance - Business First shares have returned -8.6% over the past month, compared to a -5.1% change in the Zacks S&P 500 composite [3] - The stock currently holds a Zacks Rank 2 (Buy), indicating potential for outperformance in the near term [3]

Core Viewpoint - Business First (BFST) reported quarterly earnings of $0.65 per share, exceeding the Zacks Consensus Estimate of $0.61 per share, and showing an increase from $0.50 per share a year ago, indicating a positive earnings surprise of 6.56% [1] Financial Performance - The company achieved revenues of $79.21 million for the quarter ended March 2025, surpassing the Zacks Consensus Estimate by 3.44%, and up from $60.92 million in the same quarter last year [2] - Over the last four quarters, Business First has consistently exceeded consensus EPS estimates and revenue estimates [2] Stock Performance - Business First shares have declined approximately 9.7% since the beginning of the year, compared to a decline of 8.6% in the S&P 500 [3] - The stock's immediate price movement will largely depend on management's commentary during the earnings call [3] Future Outlook - The current consensus EPS estimate for the upcoming quarter is $0.66 on revenues of $78.64 million, and for the current fiscal year, it is $2.78 on revenues of $318.06 million [7] - The estimate revisions trend for Business First is currently favorable, resulting in a Zacks Rank 2 (Buy), suggesting the stock is expected to outperform the market in the near future [6] Industry Context - The Banks - Northeast industry, to which Business First belongs, is currently ranked in the top 22% of over 250 Zacks industries, indicating a strong industry performance potential [8] - Empirical research indicates a strong correlation between near-term stock movements and trends in earnings estimate revisions, which can be tracked by investors [5]