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Business First Bancshares, Inc. BFST
Financial Services - Banks - Regional - NASDAQ - US
Watchlist
$ 23.25
-1.1 %
$ 688 M
Market Cap
9.95
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 22, 2025.

The intrinsic value of one BFST stock under the worst case scenario is HIDDEN Compared to the current market price of 23.2 USD, Business First Bancshares, Inc. is HIDDEN

BFST Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 22, 2025.

The intrinsic value of one BFST stock under the base case scenario is HIDDEN Compared to the current market price of 23.2 USD, Business First Bancshares, Inc. is HIDDEN

BFST Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 22, 2025.

The intrinsic value of one BFST stock under the best case scenario is HIDDEN Compared to the current market price of 23.2 USD, Business First Bancshares, Inc. is HIDDEN

BFST Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart BFST

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1M -6%
6M -13%
1Y 13%
3Y 8%
5Y 105%
All
$30.0$30.0$29.0$29.0$28.0$28.0$27.0$27.0$26.0$26.0$25.0$25.0$24.0$24.0$23.0$23.0$22.0$22.0$21.0$21.0Nov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 Apr
FINANCIALS
270 M REVENUE
9.27%
Growth Rates
1Year 9.27%
3Years 13.17%
5Years 24.36%
7Years 27.27%
10Years 27.11%
-276 M OPERATING INCOME
-212.51%
Growth Rates
1Year -212.51%
3Years -74.03%
5Years -59.23%
7Years -51.17%
10Years -48.48%
65.1 M NET INCOME
-8.36%
Growth Rates
1Year -8.36%
3Years 7.69%
5Years 22.32%
7Years 44.93%
10Years 32.07%
61.4 M OPERATING CASH FLOW
-33.57%
Growth Rates
1Year -33.57%
3Years 2.85%
5Years 20.25%
7Years 33.87%
10Years 24.45%
-295 M INVESTING CASH FLOW
43.41%
Growth Rates
1Year 43.41%
3Years 24.13%
5Years -8.93%
7Years -9.78%
10Years -34.56%
326 M FINANCING CASH FLOW
-34.97%
Growth Rates
1Year -34.97%
3Years -15.34%
5Years 15.16%
7Years 6.44%
10Years 47.62%
77.4 M REVENUE
16.30%
Growth Rates
1Year 9.27%
3Years 13.17%
5Years 24.36%
7Years 27.27%
10Years 27.11%
-73.3 M OPERATING INCOME
0.00%
Growth Rates
1Year -212.51%
3Years -74.03%
5Years -59.23%
7Years -51.17%
10Years -48.48%
16.5 M NET INCOME
-7.59%
Growth Rates
1Year -8.36%
3Years 7.69%
5Years 22.32%
7Years 44.93%
10Years 32.07%
17.3 M OPERATING CASH FLOW
-19.04%
Growth Rates
1Year -33.57%
3Years 2.85%
5Years 20.25%
7Years 33.87%
10Years 24.45%
-1.91 M INVESTING CASH FLOW
98.76%
Growth Rates
1Year 43.41%
3Years 24.13%
5Years -8.93%
7Years -9.78%
10Years -34.56%
90.5 M FINANCING CASH FLOW
-34.18%
Growth Rates
1Year -34.97%
3Years -15.34%
5Years 15.16%
7Years 6.44%
10Years 47.62%
Balance Sheet Business First Bancshares, Inc.
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Current Assets 7.18 B
Cash & Short-Term Investments 1.21 B
Receivables 5.96 B
Other Current Assets 0
Non-Current Assets 221 M
Long-Term Investments 0
PP&E 82 M
Other Non-Current Assets 139 M
16.40 %80.62 %Total Assets$7.4b
Current Liabilities 5.97 M
Accounts Payable 5.97 M
Short-Term Debt 0
Other Current Liabilities 0
Non-Current Liabilities 461 M
Long-Term Debt 461 M
Other Non-Current Liabilities 0
98.72 %Total Liabilities$466.6m
EFFICIENCY
Earnings Waterfall Business First Bancshares, Inc.
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Revenue 270 M
Cost Of Revenue -144 M
Gross Profit 415 M
Operating Expenses 270 M
Operating Income -276 M
Other Expenses -341 M
Net Income 65.1 M
500m500m400m400m300m300m200m200m100m100m00(100m)(100m)(200m)(200m)(300m)(300m)270m144m415m(270m)(276m)341m65mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
153.41% GROSS MARGIN
153.41%
Averages
1Year 153.41%
3Years 117.59%
5Years 110.55%
7Years 107.54%
10Years 105.28%
-101.97% OPERATING MARGIN
-101.97%
Averages
1Year -101.97%
3Years -1.41%
5Years 11.01%
7Years 18.95%
10Years 20.51%
24.08% NET MARGIN
24.08%
Averages
1Year 24.08%
3Years 25.55%
5Years 24.94%
7Years 24.42%
10Years 20.35%
8.14% ROE
8.14%
Averages
1Year 8.14%
3Years 9.51%
5Years 9.57%
7Years 8.80%
10Years 7.25%
0.83% ROA
0.83%
Averages
1Year 0.83%
3Years 0.94%
5Years 0.93%
7Years 0.91%
10Years 0.76%
-2.92% ROIC
-2.92%
Averages
1Year -2.92%
3Years 0.80%
5Years 1.32%
7Years 1.57%
10Years 1.28%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Business First Bancshares, Inc.
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90m90m80m80m70m70m60m60m50m50m40m40m30m30m20m20m10m10m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 65.1 M
Depreciation & Amortization 5.26 M
Capital Expenditures 0
Stock-Based Compensation 3 M
Change in Working Capital 0
Others -11 M
Free Cash Flow 61.4 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Business First Bancshares, Inc.
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BFST has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
0.85% DIVIDEND YIELD
0.14 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
0.600.600.500.500.400.400.300.300.200.200.100.100.000.000.080.10.10.120.120.140.140.080.10.10.120.120.120.140.080.10.10.120.120.120.140.080.320.10.400.10.400.120.480.120.480.140.520.140.560.002018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 8
6. Ownership
Insider Ownership Business First Bancshares, Inc.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
1.56 M USD 4
6-9 MONTHS
1.91 M USD 4
9-12 MONTHS
0 USD 0
Bought
38.2 K USD 1
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
36.5 K USD 1
9-12 MONTHS
7. News
Business First (BFST) Earnings Expected to Grow: Should You Buy? Business First (BFST) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations. zacks.com - 2 weeks ago
Business First Bancshares, Inc. Announces First Quarter 2025 Earnings Release Date and Conference Call BATON ROUGE, La., April 01, 2025 (GLOBE NEWSWIRE) -- Business First Bancshares, Inc. (Nasdaq: BFST), the parent company of b1BANK, is scheduled to release first quarter 2025 earnings after market close on Thursday, April 24, 2025. Executive management will host a conference call and webcast to discuss results on the same day (Thursday, April 24, 2025) at 4:00 p.m. CST. globenewswire.com - 1 month ago
Why Business First Bancshares (BFST) Stock Might be a Great Pick Business First Bancshares (BFST) has seen solid earnings estimate revision activity over the past month, and belongs to a strong industry as well. zacks.com - 1 month ago
b1BANK Announces Senna Bayasgalan as Chief Marketing Officer BATON ROUGE, La., Feb. 13, 2025 (GLOBE NEWSWIRE) -- b1BANK, announces the appointment of Senna Bayasgalan as chief marketing officer. Bayasgalan will lead brand and marketing technology initiatives to support the banks' growth and deepen client relationships. Bayasgalan has over 16 years of experience in marketing leadership, international brand building, communications and customer acquisition across private capital, technology and media industries. globenewswire.com - 2 months ago
5 Top-Ranked Efficient Stocks to Buy for Solid Gains Amid Volatility Invest in stocks of EAT, BFST, AZEK, CLS and BSX to tap their high efficiency levels. zacks.com - 2 months ago
Is Business First Bancshares (BFST) Outperforming Other Finance Stocks This Year? Here is how Business First (BFST) and Jackson Financial (JXN) have performed compared to their sector so far this year. zacks.com - 2 months ago
New Strong Buy Stocks for February 6th AUB, GABC, BFST, TCBX and TSN have been added to the Zacks Rank #1 (Strong Buy) List on February 6, 2025. zacks.com - 2 months ago
Earnings Estimates Moving Higher for Business First (BFST): Time to Buy? Business First (BFST) shares have started gaining and might continue moving higher in the near term, as indicated by solid earnings estimate revisions. zacks.com - 2 months ago
Business First Bancshares, Inc. (BFST) Q4 2024 Earnings Conference Call Transcript Business First Bancshares, Inc. (NASDAQ:BFST ) Q4 2024 Earnings Conference Call January 23, 2025 5:00 PM ET Company Participants Matt Sealy - SVP, Director of Corporate Strategy and FP&A Jude Melville - CEO and President Greg Robertson - CFO Conference Call Participants Matt Olney - Stephens Michael Rose - Raymond James Feddie Strickland - Hovde Group Emmanuel Navas - D.A. Davidson Operator Ladies and gentlemen, thank you for standing by. seekingalpha.com - 3 months ago
Compared to Estimates, Business First (BFST) Q4 Earnings: A Look at Key Metrics The headline numbers for Business First (BFST) give insight into how the company performed in the quarter ended December 2024, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals. zacks.com - 3 months ago
Business First (BFST) Beats Q4 Earnings and Revenue Estimates Business First (BFST) came out with quarterly earnings of $0.66 per share, beating the Zacks Consensus Estimate of $0.46 per share. This compares to earnings of $0.66 per share a year ago. zacks.com - 3 months ago
Business First Bancshares, Inc., Announces Financial Results for Fiscal Year 2024 and Q4 2024 BATON ROUGE, La., Jan. 23, 2025 (GLOBE NEWSWIRE) -- Business First Bancshares, Inc. (NASDAQ: BFST) (Business First), parent company of b1BANK, today announced its unaudited results for the quarter ended December 31, 2024. Business First reported net income available to common shareholders of $15.1 million or $0.51 per diluted common share, decreases of $1.4 million and $0.14, respectively, compared to the linked quarter ended September 30, 2024. On a non-GAAP basis, core net income for the quarter ended December 31, 2024, which excludes certain income and expenses, was $19.5 million or $0.66 per diluted common share, an increase of $2.2 million and decrease of $0.02, from the linked quarter. The quarter ended December 31, 2024, included the consummation of the Oakwood Bancshares, Inc. (Oakwood) transaction. globenewswire.com - 3 months ago
8. Profile Summary

Business First Bancshares, Inc. BFST

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 688 M
Dividend Yield 0.85%
Description 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.
Contact 500 Laurel Street, Baton Rouge, LA, 70801 https://www.b1bank.com
IPO Date April 23, 2018
Employees 849
Officers Ms. Senna Bayasgalan Chief Marketing Officer Ms. Kathryn Manning Executive Vice President & Chief Risk Officer Mr. Jesse Jackson Executive Vice President of Financial Institutions Group Ms. Saundra Strong Executive Vice President, General Counsel & Corporate Secretary Mr. Gregory Robertson Executive Vice President, Chief Financial Officer & Treasurer Donald Chad Carter Executive Vice President & Correspondent Banking Mr. David R. Melville III Chairman, President & Chief Executive Officer Mr. Keith Mansfield Executive Vice President & Chief Operating Officer Mr. Warren McDonald Executive Vice President & Chief Credit Officer Mr. Philip Jordan Executive Vice President & Chief Banking Officer