BUSINESS FIRST BANCSHARES (BFST)
US12326C1053 - Common Stock
Overall BFST gets a fundamental rating of 4 out of 10. We evaluated BFST against 411 industry peers in the Banks industry. There are concerns on the financial health of BFST while its profitability can be described as average. BFST has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
BFST had positive earnings in the past year.
BFST had a positive operating cash flow in the past year.
Each year in the past 5 years BFST has been profitable.
In the past 5 years BFST always reported a positive cash flow from operatings.
1.2 Ratios
With a decent Return On Assets value of 1.00%, BFST is doing good in the industry, outperforming 63.99% of the companies in the same industry.
BFST's Return On Equity of 10.19% is fine compared to the rest of the industry. BFST outperforms 63.26% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1% | ||
| ROE | 10.19% | ||
| ROIC | N/A |
ROA(3y)0.99%
ROA(5y)0.95%
ROE(3y)10.44%
ROE(5y)9.4%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of BFST (26.07%) is better than 65.94% of its industry peers.
In the last couple of years the Profit Margin of BFST has grown nicely.
The Operating Margin and Gross Margin are not available for BFST so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 26.07% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y9.05%
PM growth 5Y5.3%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
BFST does not have a ROIC to compare to the WACC, probably because it is not profitable.
BFST has more shares outstanding than it did 1 year ago.
BFST has more shares outstanding than it did 5 years ago.
BFST has a worse debt/assets ratio than last year.
2.2 Solvency
BFST has a debt to FCF ratio of 5.25. This is a neutral value as BFST would need 5.25 years to pay back of all of its debts.
With a Debt to FCF ratio value of 5.25, BFST is not doing good in the industry: 66.91% of the companies in the same industry are doing better.
BFST has a Debt/Equity ratio of 0.66. This is a neutral value indicating BFST is somewhat dependend on debt financing.
BFST has a Debt to Equity ratio of 0.66. This is in the lower half of the industry: BFST underperforms 77.13% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.66 | ||
| Debt/FCF | 5.25 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.22%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 0.00% over the past year.
The Earnings Per Share has been growing by 12.41% on average over the past years. This is quite good.
The Revenue has grown by 9.99% in the past year. This is quite good.
BFST shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 29.18% yearly.
EPS 1Y (TTM)0%
EPS 3Y9.6%
EPS 5Y12.41%
EPS Q2Q%-9.09%
Revenue 1Y (TTM)9.99%
Revenue growth 3Y19.05%
Revenue growth 5Y29.18%
Sales Q2Q%-0.44%
3.2 Future
BFST is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 2.22% yearly.
The Revenue is expected to grow by 13.91% on average over the next years. This is quite good.
EPS Next Y-20.81%
EPS Next 2Y2.22%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.51%
Revenue Next 2Y13.91%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 8.35, which indicates a very decent valuation of BFST.
Compared to the rest of the industry, the Price/Earnings ratio of BFST indicates a somewhat cheap valuation: BFST is cheaper than 75.18% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of BFST to the average of the S&P500 Index (28.05), we can say BFST is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 7.84, the valuation of BFST can be described as very cheap.
Based on the Price/Forward Earnings ratio, BFST is valued a bit cheaper than the industry average as 77.62% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 20.07, BFST is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.35 | ||
| Fwd PE | 7.84 |
4.2 Price Multiples
BFST's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. BFST is cheaper than 76.64% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.77 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.67
EPS Next 2Y2.22%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.66%, BFST has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.76, BFST is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.37, BFST has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.66% |
5.2 History
The dividend of BFST is nicely growing with an annual growth rate of 20.62%!
BFST has been paying a dividend for over 5 years, so it has already some track record.
As BFST did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)20.62%
Div Incr Years5
Div Non Decr Years5
5.3 Sustainability
BFST pays out 27.51% of its income as dividend. This is a sustainable payout ratio.
The dividend of BFST is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP27.51%
EPS Next 2Y2.22%
EPS Next 3YN/A
BUSINESS FIRST BANCSHARES
NASDAQ:BFST (5/31/2024, 7:25:38 PM)
After market: 21.45 0 (0%)21.45
+0.36 (+1.71%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap546.76M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.66% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
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Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.35 | ||
| Fwd PE | 7.84 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)0.67
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1% | ||
| ROE | 10.19% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 26.07% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.66 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)0%
EPS 3Y9.6%
EPS 5Y
EPS Q2Q%
EPS Next Y-20.81%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)9.99%
Revenue growth 3Y19.05%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y