What does other real estate owned valuation allowance mean?

This represents the non-cash expense recognized when the carrying value of foreclosed real estate is written down to its estimated fair value less costs to sell. It serves as a leading indicator of potential credit quality deterioration within the real estate portfolio. An increasing allowance suggests that the bank is proactively adjusting for declining property values in its distressed asset holdings.

Business First Bancshares BFST Other Real Estate Owned Valuation Allowance

Other Real Estate Owned Valuation Allowance at other companies

Equity BancsharesEQBK

$12K—

Old Second BancorpOSBC

$0-100%

Equity BancsharesEQBK

$12K—

Trustco Bank CorpTRST

$30K-55.2%

Equity BancsharesEQBK

$0—

Old Second BancorpOSBC

-$186K-110%

Other financials

Income statement

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Revenue$89.2M+12.7%

Net income$23.6M+14.7%

EPS (diluted)$0.68+4.6%

Balance sheet

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Cash & equivalents$589.8M+88.5%

Total debt$25.5M-14.4%

Total equity$991.2M+20.0%

Total assets$8.9B+14.4%

Cash flow

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Operating cash flow$26.7M-6.6%

CapEx-$888.0K-183%

Free cash flow$25.8M-6.2%

Valuation

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Market cap$985.24M+42.9%

Enterprise value$420.95M+3.6%

P/E10.8×+1.3×

P/S2.9×+0.6×

Profitability

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Net margin27.1%+2.3pp

FCF margin27%-0.7pp

Returns & leverage

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Return on equity10%+0.2pp

Debt / equity0×0.0×

Where this comes from

Reported directly by Business First Bancshares in its filing.

Tagged under the XBRL concept bfst:OtherRealEstateOwnedValuationAllowance.

The official record: Business First Bancshares’s 10-Q, filed May 1, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Business First Bancshares's other real estate owned valuation allowance?: Business First Bancshares (BFST) reported other real estate owned valuation allowance of -$69K in Q1 2026.
What does other real estate owned valuation allowance mean?: This represents the non-cash expense recognized when the carrying value of foreclosed real estate is written down to its estimated fair value less costs to sell. It serves as a leading indicator of potential credit quality deterioration within the real estate portfolio. An increasing allowance suggests that the bank is proactively adjusting for declining property values in its distressed asset holdings.