BUSINESS FIRST BANCSHARES (BFST) Fundamental Analysis & Valuation

NASDAQ:BFST • US12326C1053

26.09 USD
-0.2 (-0.76%)
At close: Mar 13, 2026
26.09 USD
0 (0%)
After Hours: 3/13/2026, 8:11:27 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This BFST fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

4

BFST gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 381 industry peers in the Banks industry. Both the profitability and financial health of BFST have multiple concerns. BFST is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

3

1. BFST Profitability Analysis

1.1 Basic Checks

  • In the past year BFST was profitable.
  • In the past year BFST had a positive cash flow from operations.
  • BFST had positive earnings in each of the past 5 years.
  • Each year in the past 5 years BFST had a positive operating cash flow.
BFST Yearly Net Income VS EBIT VS OCF VS FCFBFST Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 1.00%, BFST is in line with its industry, outperforming 57.74% of the companies in the same industry.
  • BFST has a Return On Equity (9.19%) which is in line with its industry peers.
Industry RankSector Rank
ROA 1%
ROE 9.19%
ROIC N/A
ROA(3y)0.92%
ROA(5y)0.95%
ROE(3y)8.95%
ROE(5y)9.6%
ROIC(3y)N/A
ROIC(5y)N/A
BFST Yearly ROA, ROE, ROICBFST Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • BFST's Profit Margin of 25.40% is in line compared to the rest of the industry. BFST outperforms 52.23% 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 RankSector Rank
OM N/A
PM (TTM) 25.4%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y3.19%
PM growth 5Y4.78%
GM growth 3YN/A
GM growth 5YN/A
BFST Yearly Profit, Operating, Gross MarginsBFST Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. BFST Health Analysis

2.1 Basic Checks

  • BFST does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for BFST remains at a similar level compared to 1 year ago.
  • The number of shares outstanding for BFST has been increased compared to 5 years ago.
  • The debt/assets ratio for BFST has been reduced compared to a year ago.
BFST Yearly Shares OutstandingBFST Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M 25M
BFST Yearly Total Debt VS Total AssetsBFST Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B

2.2 Solvency

  • BFST has a debt to FCF ratio of 1.31. This is a very positive value and a sign of high solvency as it would only need 1.31 years to pay back of all of its debts.
  • BFST has a Debt to FCF ratio of 1.31. This is in the better half of the industry: BFST outperforms 62.20% of its industry peers.
  • A Debt/Equity ratio of 0.13 indicates that BFST is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.13, BFST is in line with its industry, outperforming 58.01% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF 1.31
Altman-Z N/A
ROIC/WACCN/A
WACC16.86%
BFST Yearly LT Debt VS Equity VS FCFBFST Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BFST Yearly Current Assets VS Current LiabilitesBFST Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. BFST Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 13.71% over the past year.
  • The Earnings Per Share has been growing slightly by 7.22% on average over the past years.
  • Looking at the last year, BFST shows a quite strong growth in Revenue. The Revenue has grown by 19.56% in the last year.
  • BFST shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 16.83% yearly.
EPS 1Y (TTM)13.71%
EPS 3Y3.96%
EPS 5Y7.22%
EPS Q2Q%19.7%
Revenue 1Y (TTM)19.56%
Revenue growth 3Y12.36%
Revenue growth 5Y16.83%
Sales Q2Q%7.1%

3.2 Future

  • The Earnings Per Share is expected to grow by 8.75% on average over the next years. This is quite good.
  • BFST is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.27% yearly.
EPS Next Y9.4%
EPS Next 2Y8.75%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year18.08%
Revenue Next 2Y11.27%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better 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.
BFST Yearly Revenue VS EstimatesBFST Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M 400M
BFST Yearly EPS VS EstimatesBFST Yearly EPS VS EstimatesYearly EPS VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

More info and screens

Find the best growth stocksShow best growing peers

6

4. BFST Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 9.25 indicates a reasonable valuation of BFST.
  • Based on the Price/Earnings ratio, BFST is valued cheaper than 81.89% of the companies in the same industry.
  • BFST's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.70.
  • The Price/Forward Earnings ratio is 8.46, which indicates a very decent valuation of BFST.
  • BFST's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. BFST is cheaper than 79.79% of the companies in the same industry.
  • BFST's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.84.
Industry RankSector Rank
PE 9.25
Fwd PE 8.46
BFST Price Earnings VS Forward Price EarningsBFST Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • BFST's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. BFST is cheaper than 70.87% of the companies in the same industry.
Industry RankSector Rank
P/FCF 9.27
EV/EBITDA N/A
BFST Per share dataBFST EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

  • BFST's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.98
PEG (5Y)1.28
EPS Next 2Y8.75%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. BFST Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.22%, BFST has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.86, BFST is paying slightly less dividend.
  • BFST's Dividend Yield is a higher than the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 2.22%

5.2 History

  • The dividend of BFST is nicely growing with an annual growth rate of 11.17%!
  • BFST has been paying a dividend for over 5 years, so it has already some track record.
  • BFST has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)11.17%
Div Incr Years6
Div Non Decr Years6
BFST Yearly Dividends per shareBFST Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

  • 26.98% of the earnings are spent on dividend by BFST. This is a low number and sustainable payout ratio.
  • BFST's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP26.98%
EPS Next 2Y8.75%
EPS Next 3YN/A
BFST Yearly Income VS Free CF VS DividendBFST Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M
BFST Dividend Payout.BFST Dividend Payout, showing the Payout Ratio.BFST Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

BFST Fundamentals: All Metrics, Ratios and Statistics

BUSINESS FIRST BANCSHARES

NASDAQ:BFST (3/13/2026, 8:11:27 PM)

After market: 26.09 0 (0%)

26.09

-0.2 (-0.76%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-22
Inst Owners48.25%
Inst Owner Change8.87%
Ins Owners5.48%
Ins Owner Change-0.17%
Market Cap853.40M
Revenue(TTM)324.70M
Net Income(TTM)82.46M
Analysts84
Price Target33.53 (28.52%)
Short Float %0.98%
Short Ratio1.93
Dividend
Industry RankSector Rank
Dividend Yield 2.22%
Yearly Dividend0.75
Dividend Growth(5Y)11.17%
DP26.98%
Div Incr Years6
Div Non Decr Years6
Ex-Date02-13
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)7.54%
Min EPS beat(2)5.55%
Max EPS beat(2)9.52%
EPS beat(4)4
Avg EPS beat(4)5.55%
Min EPS beat(4)0.79%
Max EPS beat(4)9.52%
EPS beat(8)7
Avg EPS beat(8)10.16%
EPS beat(12)11
Avg EPS beat(12)11.66%
EPS beat(16)14
Avg EPS beat(16)9.5%
Revenue beat(2)1
Avg Revenue beat(2)-0.64%
Min Revenue beat(2)-1.33%
Max Revenue beat(2)0.06%
Revenue beat(4)3
Avg Revenue beat(4)0.01%
Min Revenue beat(4)-1.33%
Max Revenue beat(4)1.16%
Revenue beat(8)6
Avg Revenue beat(8)0.14%
Revenue beat(12)8
Avg Revenue beat(12)0.3%
Revenue beat(16)11
Avg Revenue beat(16)0.34%
PT rev (1m)0.77%
PT rev (3m)6.39%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.06%
EPS NY rev (1m)-0.32%
EPS NY rev (3m)0.33%
Revenue NQ rev (1m)0.08%
Revenue NQ rev (3m)0.35%
Revenue NY rev (1m)0.51%
Revenue NY rev (3m)0.87%
Valuation
Industry RankSector Rank
PE 9.25
Fwd PE 8.46
P/S 2.63
P/FCF 9.27
P/OCF 9.27
P/B 0.95
P/tB 1.12
EV/EBITDA N/A
EPS(TTM)2.82
EY10.81%
EPS(NY)3.08
Fwd EY11.82%
FCF(TTM)2.81
FCFY10.78%
OCF(TTM)2.82
OCFY10.79%
SpS9.93
BVpS27.42
TBVpS23.27
PEG (NY)0.98
PEG (5Y)1.28
Graham Number41.71
Profitability
Industry RankSector Rank
ROA 1%
ROE 9.19%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25.4%
GM N/A
FCFM 28.34%
ROA(3y)0.92%
ROA(5y)0.95%
ROE(3y)8.95%
ROE(5y)9.6%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y3.19%
PM growth 5Y4.78%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF 1.31
Debt/EBITDA N/A
Cap/Depr 1.16%
Cap/Sales 0.02%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 111.59%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC16.86%
ROIC/WACCN/A
Cap/Depr(3y)93.43%
Cap/Depr(5y)107.43%
Cap/Sales(3y)1.74%
Cap/Sales(5y)2.14%
Profit Quality(3y)111.63%
Profit Quality(5y)110.48%
High Growth Momentum
Growth
EPS 1Y (TTM)13.71%
EPS 3Y3.96%
EPS 5Y7.22%
EPS Q2Q%19.7%
EPS Next Y9.4%
EPS Next 2Y8.75%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)19.56%
Revenue growth 3Y12.36%
Revenue growth 5Y16.83%
Sales Q2Q%7.1%
Revenue Next Year18.08%
Revenue Next 2Y11.27%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y53.77%
FCF growth 3Y14.19%
FCF growth 5Y28.4%
OCF growth 1Y49.97%
OCF growth 3Y9.79%
OCF growth 5Y25.7%

BUSINESS FIRST BANCSHARES / BFST FAQ

What is the ChartMill fundamental rating of BUSINESS FIRST BANCSHARES (BFST) stock?

ChartMill assigns a fundamental rating of 4 / 10 to BFST.


What is the valuation status of BUSINESS FIRST BANCSHARES (BFST) stock?

ChartMill assigns a valuation rating of 6 / 10 to BUSINESS FIRST BANCSHARES (BFST). This can be considered as Fairly Valued.


What is the profitability of BFST stock?

BUSINESS FIRST BANCSHARES (BFST) has a profitability rating of 3 / 10.


What are the PE and PB ratios of BUSINESS FIRST BANCSHARES (BFST) stock?

The Price/Earnings (PE) ratio for BUSINESS FIRST BANCSHARES (BFST) is 9.25 and the Price/Book (PB) ratio is 0.95.


What is the financial health of BUSINESS FIRST BANCSHARES (BFST) stock?

The financial health rating of BUSINESS FIRST BANCSHARES (BFST) is 3 / 10.