BFST PRESS-RELEASE SEC Filing Analysis

Latest settled — T+20d ⚠ clustered

BFST ▲ +4.41% at T+20d

SHORT call ✗ call lost -4.41% · α vs SPY +0.55% · entry $27.01 → $28.20

Next anchor: T+60d in 6w

Currently $29.24 · -8.26% from $27.01 entry (call sign-flipped)

Entry anchored
Apr 27, 04:54 AM ET
via Databento tick

T+1d

+1.81%

call -1.81% · α -2.30%

$27.50

settled 7w ago

T+5d

+0.07%

call -0.07% · α +0.33%

$27.03

settled 6w ago

T+20d

+4.41%

call -4.41% · α +0.55%

$28.20

settled 18d ago

T+60d

—

call — · α —

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in 6w

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Executive Summary

b1BANK (BFST) reported Q1 2026 diluted EPS of $0.68, missing the $0.69 consensus estimate by $0.01, despite a 15.2% beat in the prior quarter. Revenue was not explicitly disclosed in the release, but net interest income rose 6.1% to $75.2 million. The miss follows a recent acquisition and increased expenses, with credit quality pressures emerging.

Actionable Insight

Monitor upcoming earnings calls and guidance for commentary on integration costs from the Progressive acquisition and trajectory of nonperforming assets. The EPS miss amid rising credit costs may pressure sentiment despite balance sheet growth.

Key Facts

Reported diluted EPS of $0.68 for Q1 2026, missing consensus of $0.69
Net interest income increased to $75.2 million from $70.9 million in the prior quarter
Nonperforming loans ratio rose 29 bps to 1.53%, and nonperforming assets to 1.38% of total assets
Salaries, occupancy, and data processing expenses increased by $5.1 million quarter-over-quarter
Progressive Bancorp acquisition closed on January 1, 2026, adding $773.8M in assets and $684.9M in deposits

Financial Impact

EPS miss of $0.01, with modest revenue growth but rising credit costs and expenses

epsnet interest incomecredit qualityexpenses

Risk Factors

Deteriorating credit quality with nonperforming loans up to 1.53% of total loans
Operating expenses rising faster than revenue growth, pressuring margins

Market Snapshot

Exchange

Nasdaq

Sector

State Commercial Banks

Analyst Consensus

90% bullish (10 analysts)

Documents Analyzed

This report is based on 1 press release from GlobeNewswire.

Document	Accession Number
PRESS-RELEASE Data (Synthetic)	press-3281590

4 reports for BFST

T+1T+5T+20T+60

Filters

Reports for BFST — sortable, filterable
	Type				Now
Apr 27, 2026 6w ago	Press Release BEARISH ★ 6/10	$27.01 $28.20	▼ −4.41%	▲ +0.55%	$29.24 (−8.26%)
Apr 27, 2026 6w ago	8-K MIXED ★ 6/10	$27.01 $28.20	▲ +4.41%	▼ −0.55%	$29.24 (+8.26%)
Apr 1, 2026 10w ago	Press Release NEUTRAL ★ 4/10	$27.53 $27.38	▼ −0.54%	▼ −10.42%	$29.24 (+6.21%)
Feb 24, 2026 15w ago	8-K NEUTRAL ★ 3/10	$28.37 $26.78	▼ −5.60%	▼ −0.37%	$29.24 (+3.07%)

US Market Status

Market Closed — Opens Mon (49h 41m)

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