BUSINESS FIRST BANCSHARES (BFST)
US12326C1053 - Common Stock
Overall BFST gets a fundamental rating of 3 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.
In the past year BFST had a positive cash flow from operations.
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
Looking at the Return On Assets, with a value of 1.00%, BFST is in the better half of the industry, outperforming 62.29% of the companies in the same industry.
BFST has a Return On Equity (10.19%) which is in line with 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
BFST's Profit Margin of 26.07% is fine compared to the rest of the industry. BFST outperforms 61.07% 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.
The number of shares outstanding for BFST has been increased 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 is higher compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of BFST is 5.25, which is a neutral value as it means it would take BFST, 5.25 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of BFST (5.25) is worse than 68.13% of its industry peers.
A Debt/Equity ratio of 0.66 indicates that BFST is somewhat dependend on debt financing.
BFST has a worse Debt to Equity ratio (0.66) than 74.94% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.66 | ||
| Debt/FCF | 5.25 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.86%
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 4.38% over the past year.
BFST shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 12.41% yearly.
Looking at the last year, BFST shows a quite strong growth in Revenue. The Revenue has grown by 9.99% in the last year.
BFST shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 29.18% yearly.
EPS 1Y (TTM)4.38%
EPS 3Y9.6%
EPS 5Y12.41%
EPS growth Q2Q0%
Revenue 1Y (TTM)9.99%
Revenue growth 3Y19.05%
Revenue growth 5Y29.18%
Revenue growth Q2Q-6.48%
3.2 Future
Based on estimates for the next years, BFST will show a decrease in Earnings Per Share. The EPS will decrease by -0.80% on average per year.
The Revenue is expected to grow by 6.10% on average over the next years.
EPS Next Y-10.08%
EPS Next 2Y-0.8%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year3.19%
Revenue Next 2Y6.1%
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 decreasing.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 8.37, which indicates a very decent valuation of BFST.
68.86% of the companies in the same industry are more expensive than BFST, based on the Price/Earnings ratio.
BFST is valuated cheaply when we compare the Price/Earnings ratio to 25.20, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 9.31 indicates a reasonable valuation of BFST.
BFST's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. BFST is cheaper than 69.34% of the companies in the same industry.
BFST is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.60, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.37 | ||
| Fwd PE | 9.31 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of BFST indicates a somewhat cheap valuation: BFST is cheaper than 69.34% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.94 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.67
EPS Next 2Y-0.8%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.72%, BFST has a reasonable but not impressive dividend return.
BFST's Dividend Yield is slightly below the industry average, which is at 3.92.
Compared to an average S&P500 Dividend Yield of 2.45, BFST has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.72% |
5.2 History
On average, the dividend of BFST grows each year by 20.62%, which is quite nice.
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)20.62%
Div Incr Years5
Div Non Decr Years5
5.3 Sustainability
27.51% of the earnings are spent on dividend by BFST. This is a low number and sustainable payout ratio.
DP27.51%
EPS Next 2Y-0.8%
EPS Next 3YN/A
BUSINESS FIRST BANCSHARES
NASDAQ:BFST (4/23/2024, 7:00:01 PM)
After market: 21.94 0 (0%)21.94
+0.37 (+1.72%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap560.35M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.72% |
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)
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Min EPS beat(4)
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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)
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Min Revenue beat(4)
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Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
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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 | 8.37 | ||
| Fwd PE | 9.31 | ||
| 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)
Growth
EPS 1Y (TTM)4.38%
EPS 3Y9.6%
EPS 5Y
EPS growth Q2Q
EPS Next Y-10.08%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)9.99%
Revenue growth 3Y19.05%
Revenue growth 5Y
Revenue growth 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