BUSINESS FIRST BANCSHARES (BFST) Stock Fundamental Analysis
USA - NASDAQ:BFST - US12326C1053 - Common Stock
24.66 USD
+0.06 (+0.24%)
24.66 USD
0 (0%)
Taking everything into account, BFST scores 4 out of 10 in our fundamental rating. BFST was compared to 388 industry peers in the Banks industry. BFST may be in some trouble as it scores bad on both profitability and health. BFST is not overvalued while it is showing excellent growth. This is an interesting combination.
1. Profitability
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.
1.2 Ratios
BFST has a Return On Assets of 0.90%. This is comparable to the rest of the industry: BFST outperforms 53.08% of its industry peers.
With a Return On Equity value of 8.44%, BFST perfoms like the industry average, outperforming 49.49% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.9% | ||
| ROE | 8.44% | ||
| ROIC | N/A |
ROA(3y)0.88%
ROA(5y)0.89%
ROE(3y)8.92%
ROE(5y)9.22%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
BFST's Profit Margin of 23.46% is in line compared to the rest of the industry. BFST outperforms 48.97% of its industry peers.
BFST's Profit Margin has declined in the last couple of years.
BFST does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 23.46% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-7.15%
PM growth 5Y-3.43%
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.
Compared to 1 year ago, BFST has an improved debt to assets ratio.
2.2 Solvency
BFST has a debt to FCF ratio of 1.50. This is a very positive value and a sign of high solvency as it would only need 1.50 years to pay back of all of its debts.
BFST has a Debt to FCF ratio of 1.50. This is comparable to the rest of the industry: BFST outperforms 58.72% of its industry peers.
BFST has a Debt/Equity ratio of 0.14. This is a healthy value indicating a solid balance between debt and equity.
BFST has a Debt to Equity ratio (0.14) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | 1.5 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC17.32%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
BFST shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.47%, which is quite good.
Measured over the past 5 years, BFST shows a small growth in Earnings Per Share. The EPS has been growing by 6.62% on average per year.
The Revenue has grown by 25.59% in the past year. This is a very strong growth!
Measured over the past years, BFST shows a very strong growth in Revenue. The Revenue has been growing by 24.47% on average per year.
EPS 1Y (TTM)8.47%
EPS 3Y3.76%
EPS 5Y6.62%
EPS Q2Q%5.88%
Revenue 1Y (TTM)25.59%
Revenue growth 3Y12.7%
Revenue growth 5Y24.47%
Sales Q2Q%21.02%
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 9.45% yearly.
Based on estimates for the next years, BFST will show a quite strong growth in Revenue. The Revenue will grow by 13.08% on average per year.
EPS Next Y11.36%
EPS Next 2Y11.24%
EPS Next 3Y9.45%
EPS Next 5YN/A
Revenue Next Year18.51%
Revenue Next 2Y17.77%
Revenue Next 3Y13.08%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 9.17, which indicates a very decent valuation of BFST.
BFST's Price/Earnings ratio is rather cheap when compared to the industry. BFST is cheaper than 84.10% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.06. BFST is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 8.04, which indicates a very decent valuation of BFST.
BFST's Price/Forward Earnings ratio is rather cheap when compared to the industry. BFST is cheaper than 81.03% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 32.73, BFST is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.17 | ||
| Fwd PE | 8.04 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, BFST is valued a bit cheaper than the industry average as 72.05% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.13 | ||
| EV/EBITDA | N/A |
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)0.81
PEG (5Y)1.38
EPS Next 2Y11.24%
EPS Next 3Y9.45%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.44%, BFST has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.38, 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 | 2.44% |
5.2 History
The dividend of BFST is nicely growing with an annual growth rate of 14.14%!
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)14.14%
Div Incr Years6
Div Non Decr Years6
5.3 Sustainability
29.87% of the earnings are spent on dividend by BFST. This is a low number and sustainable payout ratio.
The dividend of BFST is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP29.87%
EPS Next 2Y11.24%
EPS Next 3Y9.45%
24.66
+0.06 (+0.24%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners51.61%
Inst Owner Change0.21%
Ins Owners5.02%
Ins Owner Change0.04%
Market Cap729.94M
Revenue(TTM)319.20M
Net Income(TTM)71.58M
Analysts85.45
Price Target31.52 (27.82%)
Short Float %0.91%
Short Ratio2.66
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.44% |
Yearly Dividend0.74
Dividend Growth(5Y)14.14%
DP29.87%
Div Incr Years6
Div Non Decr Years6
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)3.57%
Min EPS beat(2)0.79%
Max EPS beat(2)6.35%
EPS beat(4)4
Avg EPS beat(4)14.52%
Min EPS beat(4)0.79%
Max EPS beat(4)33.14%
EPS beat(8)7
Avg EPS beat(8)11.12%
EPS beat(12)11
Avg EPS beat(12)11.03%
EPS beat(16)14
Avg EPS beat(16)9.46%
Revenue beat(2)2
Avg Revenue beat(2)0.66%
Min Revenue beat(2)0.16%
Max Revenue beat(2)1.16%
Revenue beat(4)4
Avg Revenue beat(4)0.87%
Min Revenue beat(4)0.16%
Max Revenue beat(4)1.77%
Revenue beat(8)6
Avg Revenue beat(8)-0.15%
Revenue beat(12)9
Avg Revenue beat(12)0.68%
Revenue beat(16)10
Avg Revenue beat(16)0.35%
PT rev (1m)0.65%
PT rev (3m)0.65%
EPS NQ rev (1m)0.41%
EPS NQ rev (3m)-0.6%
EPS NY rev (1m)1.35%
EPS NY rev (3m)1.18%
Revenue NQ rev (1m)-0.08%
Revenue NQ rev (3m)-0.08%
Revenue NY rev (1m)-0.57%
Revenue NY rev (3m)-0.95%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.17 | ||
| Fwd PE | 8.04 | ||
| P/S | 2.39 | ||
| P/FCF | 9.13 | ||
| P/OCF | 8.96 | ||
| P/B | 0.86 | ||
| P/tB | 1.03 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.69
EY10.91%
EPS(NY)3.07
Fwd EY12.44%
FCF(TTM)2.7
FCFY10.95%
OCF(TTM)2.75
OCFY11.16%
SpS10.31
BVpS28.66
TBVpS24.04
PEG (NY)0.81
PEG (5Y)1.38
Graham Number41.65
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.9% | ||
| ROE | 8.44% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 23.46% | ||
| GM | N/A | ||
| FCFM | 26.19% |
ROA(3y)0.88%
ROA(5y)0.89%
ROE(3y)8.92%
ROE(5y)9.22%
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 3Y-7.15%
PM growth 5Y-3.43%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | 1.5 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 27.13% | ||
| Cap/Sales | 0.51% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 111.66% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC17.32%
ROIC/WACCN/A
Cap/Depr(3y)146.85%
Cap/Depr(5y)125.99%
Cap/Sales(3y)2.87%
Cap/Sales(5y)2.54%
Profit Quality(3y)113.37%
Profit Quality(5y)105.74%
High Growth Momentum
Growth
EPS 1Y (TTM)8.47%
EPS 3Y3.76%
EPS 5Y6.62%
EPS Q2Q%5.88%
EPS Next Y11.36%
EPS Next 2Y11.24%
EPS Next 3Y9.45%
EPS Next 5YN/A
Revenue 1Y (TTM)25.59%
Revenue growth 3Y12.7%
Revenue growth 5Y24.47%
Sales Q2Q%21.02%
Revenue Next Year18.51%
Revenue Next 2Y17.77%
Revenue Next 3Y13.08%
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 1Y3.51%
FCF growth 3Y4.48%
FCF growth 5Y23.94%
OCF growth 1Y0.82%
OCF growth 3Y2.85%
OCF growth 5Y20.25%
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 for 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 is the valuation of BUSINESS FIRST BANCSHARES based on its PE and PB ratios?
The Price/Earnings (PE) ratio for BUSINESS FIRST BANCSHARES (BFST) is 9.17 and the Price/Book (PB) ratio is 0.86.
What is the earnings growth outlook for BUSINESS FIRST BANCSHARES?
The Earnings per Share (EPS) of BUSINESS FIRST BANCSHARES (BFST) is expected to grow by 11.36% in the next year.