BUSINESS FIRST BANCSHARES (BFST) Fundamental Analysis & Valuation

NASDAQ:BFST • US12326C1053

Current stock price

27.5 USD
+0.12 (+0.44%)
At close:
27.5 USD
0 (0%)
After Hours:

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

3

1. BFST Profitability Analysis

1.1 Basic Checks

  • In the past year BFST was profitable.
  • BFST had a positive operating cash flow in the past year.
  • In the past 5 years BFST has always been profitable.
  • BFST had a positive operating cash flow in each of the past 5 years.
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

  • The Return On Assets of BFST (1.00%) is comparable to the rest of the 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 47.61% 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

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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.
  • Compared to 1 year ago, BFST has about the same amount of shares outstanding.
  • The number of shares outstanding for BFST has been increased compared to 5 years ago.
  • BFST has a better debt/assets ratio than last year.
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 (1.31) which is in line with its industry peers.
  • BFST has a Debt/Equity ratio of 0.13. This is a healthy value indicating a solid balance between debt and equity.
  • BFST has a Debt to Equity ratio (0.13) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF 1.31
Altman-Z N/A
ROIC/WACCN/A
WACC16.59%
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

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

6

3. BFST Growth Analysis

3.1 Past

  • BFST shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 10.27%, which is quite good.
  • BFST shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.22% yearly.
  • The Revenue has grown by 19.56% in the past year. This is quite good.
  • 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)10.27%
EPS 3Y3.96%
EPS 5Y7.22%
EPS Q2Q%12.31%
Revenue 1Y (TTM)19.56%
Revenue growth 3Y12.36%
Revenue growth 5Y16.83%
Sales Q2Q%12.68%

3.2 Future

  • BFST is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.75% yearly.
  • BFST is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.44% yearly.
EPS Next Y9.4%
EPS Next 2Y8.75%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year18.25%
Revenue Next 2Y11.44%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in 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

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6

4. BFST Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 9.48, which indicates a very decent valuation of BFST.
  • Based on the Price/Earnings ratio, BFST is valued cheaply inside the industry as 85.37% of the companies are valued more expensively.
  • The average S&P500 Price/Earnings ratio is at 26.64. BFST is valued rather cheaply when compared to this.
  • A Price/Forward Earnings ratio of 8.25 indicates a reasonable valuation of BFST.
  • 80.85% of the companies in the same industry are more expensive than BFST, based on the Price/Forward Earnings ratio.
  • When comparing the Price/Forward Earnings ratio of BFST to the average of the S&P500 Index (21.36), we can say BFST is valued rather cheaply.
Industry RankSector Rank
PE 9.48
Fwd PE 8.25
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

  • 74.73% of the companies in the same industry are more expensive than BFST, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 9.77
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

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.01
PEG (5Y)1.31
EPS Next 2Y8.75%
EPS Next 3YN/A

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

5

5. BFST Dividend Analysis

5.1 Amount

  • BFST has a Yearly Dividend Yield of 2.23%.
  • Compared to an average industry Dividend Yield of 2.57, 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 2.23%

5.2 History

  • On average, the dividend of BFST grows each year by 11.17%, which is quite nice.
  • 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)11.17%
Div Incr Years7
Div Non Decr Years7
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

  • BFST pays out 26.98% of its income as dividend. This is a 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

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BFST Fundamentals: All Metrics, Ratios and Statistics

BUSINESS FIRST BANCSHARES

NASDAQ:BFST (5/1/2026, 5:20:01 PM)

After market: 27.5 0 (0%)

27.5

+0.12 (+0.44%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Industry Strength69.57
Industry Growth91.3
Earnings (Last)04-27
Earnings (Next)07-27
Inst Owners48.49%
Inst Owner Change0.08%
Ins Owners5.4%
Ins Owner Change-0.23%
Market Cap898.97M
Revenue(TTM)324.71M
Net Income(TTM)82.46M
Analysts84
Price Target33.46 (21.67%)
Short Float %1.53%
Short Ratio2.49
Dividend
Industry RankSector Rank
Dividend Yield 2.23%
Yearly Dividend0.75
Dividend Growth(5Y)11.17%
DP26.98%
Div Incr Years7
Div Non Decr Years7
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)-0.23%
PT rev (3m)4.13%
EPS NQ rev (1m)-0.32%
EPS NQ rev (3m)-0.06%
EPS NY rev (1m)0%
EPS NY rev (3m)0.29%
Revenue NQ rev (1m)0.22%
Revenue NQ rev (3m)0.3%
Revenue NY rev (1m)0.15%
Revenue NY rev (3m)0.66%
Valuation
Industry RankSector Rank
PE 9.48
Fwd PE 8.25
P/S 2.77
P/FCF 9.77
P/OCF 9.76
P/B 1
P/tB 1.18
EV/EBITDA N/A
EPS(TTM)2.9
EY10.55%
EPS(NY)3.33
Fwd EY12.13%
FCF(TTM)2.81
FCFY10.24%
OCF(TTM)2.82
OCFY10.24%
SpS9.93
BVpS27.44
TBVpS23.29
PEG (NY)1.01
PEG (5Y)1.31
Graham Number42.3107 (53.86%)
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
WACC16.59%
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)10.27%
EPS 3Y3.96%
EPS 5Y7.22%
EPS Q2Q%12.31%
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%12.68%
Revenue Next Year18.25%
Revenue Next 2Y11.44%
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 Fundamental Analysis 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.


How profitable is BUSINESS FIRST BANCSHARES (BFST) stock?

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


Can you provide the expected EPS growth for BFST stock?

The Earnings per Share (EPS) of BUSINESS FIRST BANCSHARES (BFST) is expected to grow by 9.4% in the next year.


How sustainable is the dividend of BUSINESS FIRST BANCSHARES (BFST) stock?

The dividend rating of BUSINESS FIRST BANCSHARES (BFST) is 5 / 10 and the dividend payout ratio is 26.98%.