First Bancshares Missouri Q4 net income rises 22%
Overview
Missouri bank's Q4 net income rises, achieving record profit levels
During fiscal 2025, company achieved all-time highs in assets, loans, deposits, and net income
In 2025, credit loss reserves grew and total classified and nonperforming assets to total loans shrunk
Outlook
Company positions for strategic growth in 2026 with strong capital ratios
Company does not provide specific financial guidance for 2026
Result Drivers
CAPITAL ALLOCATION - Strategic capital allocation and operational efficiency improvements drove record profit levels in 2025, per company
LOAN GROWTH - Excess liquidity in 2025 was deployed into high-quality loan assets, increasing balances by 18.4%
ASSET QUALITY - During 2025 fiscal year, credit loss reserves increased and total classified and nonperforming assets to total loans shrunk
Key Details
Metric | Beat/Miss | Actual | Consensus Estimate |
Q4 EPS |
| $0.87 |
|
Q4 Net Income |
| $2.10 mln |
|
Q4 Net Interest Income |
| $6.69 mln |
|
Q4 Pretax Profit |
| $2.78 mln |
|
Q4 Provision for Loan Losses |
| $373,000 |
|
Press Release: ID:nGNX6p9x8
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