Business First Bancshares, Inc.

Business First Bancshares, Inc.

BFSTยทNASDAQ

$27.73

-1.5%
Financial ServicesBanks - Regional

Business First Bancshares, Inc. operates as the bank holding company for b1BANK that provides various banking products and services. It offers various deposit products and services, including checking, demand, money market, time, and savings accounts; and certificates of deposits, remote deposit capture, and direct deposit services. The company also provides commercial and industrial loans, such as commercial lines of credit, letters of credit, working capital, term, equipment financing, asset acquisition, expansion and development, borrowing base, and other loan products; construction and development loans; commercial real estate loans; residential real estate loans comprising first and second lien 1-4 family mortgage loans, and home equity lines of credit; and consumer loans, including secured and unsecured installment and term loans. In addition, it offers wealth management products, including mutual funds, annuities, individual retirement accounts, and other financial products, as well as other fiduciary services and private banking products and services. Further, the company provides a range of other financial services comprising debit and credit cards, treasury and cash management, merchant, automated clearing house, lock-box, receivables factoring, correspondent banking, and other treasury services, as well as employee and payroll benefits solutions; and drive-through banking facilities, automated teller machines, night depository, personalized checks, electronic funds transfer, domestic and foreign wire transfer, traveler's checks, vault, loan and deposit sweep accounts, online and mobile banking, e-statements, and bank-by-mail services. As of March 01, 2022, it operates approximately 48 full-service banking centers and three loan production offices across Louisiana, and in the Dallas and Houston markets. Business First Bancshares, Inc. was incorporated in 2006 and is headquartered in Baton Rouge, Louisiana.

At a Glance

Live Snapshot
Market Cap$906.16M
EPS2.7900
P/E Ratio9.94
Earnings Date07/27/2026
Business First Bancshares, Inc.

Business First Bancshares, Inc. Fair Value Envelope

BFST ยท NASDAQ

Our analysis suggests that BFST has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $27.73, this represents a potential HIDDEN relative to our calculated worth for Business First Bancshares, Inc..

Intrinsic Value
Current Price: $27.73

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$64.3B
+ Cash & Equivalents$411.2M
Firm Value$64.7B
- Debt$551.4M
Equity Value$64.2B
/ Shares Outstanding29,615,400B
DCF Value$2.2K
UNDERVALUED BY 7715%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$141.7M
$218.0M
$335.5M
$516.3M
$794.5M
$1.2B
$1.9B
$2.9B
$4.5B
$6.9B
Maintenance CapEx
-$20.3K
-$31.3K
-$48.1K
-$74.0K
-$113.9K
-$175.3K
-$269.7K
-$415.0K
-$638.7K
-$982.8K
Owner Earnings
$141.7M
$218.0M
$335.5M
$516.3M
$794.4M
$1.2B
$1.9B
$2.9B
$4.5B
$6.9B
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$131.2M
$186.9M
$266.3M
$379.5M
$540.7M
$770.4M
$1.1B
$1.6B
$2.2B
$3.2B
Terminal Value represents 83.9% of Enterprise Value