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
3Y+32.0%
5Y+214.0%
10Y+1030.0%
3Y-60.0%
5Y-41.0%
10Y+744.0%
3Y-61.0%
5Y-44.0%
10Y+964.0%
BFST

Business First Bancshares, Inc. Cash Conversion Engine

BFST ยท NASDAQ
Net Income87.86M
Depreciation & Amortization5.68M
Stock-Based Compensation5.82M
Change in Working Capital-8.57M
Others93.00K
Capital Expenditures-66.00K
Free Cash Flow92.08M

Cash Flow Quality Analysis

FCF Conversion Rate

104.8%

Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.

CapEx Intensity

0.1%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

+53.9%

Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.

Working Capital Impact

-$8.57M

Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.

Cash Flow Quality Insight

Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.

Business First Bancshares, Inc. Cash Flow Statement

BFST โ€ข NASDAQ

Business First Bancshares, Inc. Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012
OPERATING ACTIVITIES
87.9M
65.1M
71M
54.3M
52.1M
30M
23.8M
14.1M
4.8M
5.1M
4.1M
4M
4.8M
3.4M
5.7M
5.3M
4.7M
4.8M
4.2M
3.2M
1.6M
1.2M
1.2M
1.3M
1.2M
810K
848K
773K
1.2M
-962K
-2.1M
-1.4M
586K
-58K
336K
-402K
3.1M
953K
-74K
0.0
0.0
0.0
5.8M
3M
4M
3.7M
2.9M
2.5M
1.1M
1M
-59K
456K
49K
485K
502K
447K
93K
3M
-3.5M
5.2M
-4.5M
5.5M
-863K
2.7M
827K
229K
-154K
-415K
325K
5M
(24.1M)
(17.4M)
(16.1M)
(13.6M)
(15.7M)
(5.5M)
(5.6M)
(3.3M)
(1.8M)
(1M)
(2.5M)
(0.0)
(0.0)
(0.0)
-8.6M
-14M
18.3M
3M
1.2M
-11.7M
-1.5M
732K
-2M
102K
-1.7M
2M
1.8M
289K
92.1M
61.4M
92.4M
69.6M
56.4M
29.3M
24.4M
19.3M
8M
8.2M
3.4M
6.9M
8.2M
9.2M
INVESTING ACTIVITIES
(0.0)
-1.6M
-11.6M
-7.8M
-4M
-3M
-4M
-919K
-505K
-1.4M
-962K
-218K
-328K
-1.5M
(0.0)
(96.8M)
-14.5M
(163.5M)
-21M
(106M)
-17.4M
-9.1M
(0.0)
(0.0)
(87.4M)
(0.0)
(0.0)
(0.0)
-687.9M
-109.2M
-146.6M
-125.5M
-532.5M
-234.2M
-30.3M
-17.3M
-11M
-46.8M
-62M
(0.0)
(0.0)
(0.0)
629.1M
110.3M
167.3M
144.3M
128.9M
149.2M
66.1M
48.3M
27.7M
54.5M
30.8M
0.0
0.0
0.0
-222.8M
-391.3M
-515.6M
-875M
-246.8M
-493.3M
-206.7M
-191.2M
-169.6M
-39.6M
-69.3M
16.2M
-11.5M
-39.1M
-281.5M
-294.9M
-521.1M
-700.5M
-675.4M
-475.3M
-192.3M
-170.3M
-153.4M
-33.3M
-14.1M
(16M)
-11.9M
-40.5M
FINANCING ACTIVITIES
-3.7M
-31K
0.0
48.5M
-7.4M
-2.4M
-1.7M
27.7M
62.4M
-863K
-2.8M
0.0
0.0
45K
69M
-177.5M
92.2M
327.2M
80.5M
-89.6M
38M
-3.6M
28.3M
-487K
-3.5M
0.0
-25M
0.0
-22.2M
-20.3M
-18.1M
-12.2M
-9.4M
-7.5M
-5.1M
-3.3M
-1.8M
-1.1M
(0.0)
(0.0)
(0.0)
(0.0)
-3.7M
-31K
(0.0)
(0.0)
-10.9M
-5.8M
-2.6M
(0.0)
-33K
-863K
-2.8M
(0.0)
(0.0)
(0.0)
238.5M
524.3M
427.9M
279.9M
474.4M
605.3M
130M
118.7M
122M
28.9M
31.9M
-6.9M
28M
24.7M
281.5M
326.5M
502.1M
715.3M
538.2M
505.7M
161.2M
139.5M
210.9M
26.5M
25.6M
-6.9M
3M
24.8M
CASH FLOW SUMMARY
92.1M
93M
73.4M
84.4M
-80.8M
59.8M
-6.7M
-11.5M
65.4M
1.3M
14.9M
15.9M
-686K
-6.6M
319.1M
226.1M
152.7M
68.4M
149.1M
89.4M
96.1M
107.6M
42.2M
40.9M
26M
10.1M
10.8M
17.3M
411.2M
319.1M
226.1M
152.7M
68.4M
149.1M
89.4M
96.1M
107.6M
42.2M
40.9M
26M
10.1M
10.8M
92.1M
59.8M
80.8M
61.8M
52.5M
26.4M
20.5M
18.4M
7.5M
6.8M
2.4M
6.7M
7.9M
7.7M

SEC Filings

BFST - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

May 27, 2026
May 21, 2026
2026
10-Q

10-Q 2026 Q1

Q1

May 01, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

April 27, 2026
April 27, 2026
2026
DEF 14A

DEF 14A 2026

N/A

April 08, 2026
May 21, 2026
2026
8-K

8-K 2026

N/A

April 02, 2026
April 02, 2026
2026
10-K

10-K 2025 FY

FY

February 26, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

February 24, 2026
February 19, 2026
2026
8-K/A

8-K/A 2026 (Amended)

N/A

January 23, 2026
January 22, 2026
2026
8-K

8-K 2026

N/A

January 22, 2026
January 22, 2026
2026
8-K

8-K 2026

N/A

January 05, 2026
January 01, 2026
2026
Showing 1 to 10 of 212 filings