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Financial Services - Banks - Regional - NASDAQ - US
$ 23.49
-0.843 %
$ 698 M
Market Cap
10.41
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on May, 8, 2025.

The intrinsic value of one BFST stock under the worst case scenario is HIDDEN Compared to the current market price of 23.5 USD, Business First Bancshares, Inc. is HIDDEN

This DCF valuation model was last updated on May, 8, 2025.

The intrinsic value of one BFST stock under the base case scenario is HIDDEN Compared to the current market price of 23.5 USD, Business First Bancshares, Inc. is HIDDEN

This DCF valuation model was last updated on May, 8, 2025.

The intrinsic value of one BFST stock under the best case scenario is HIDDEN Compared to the current market price of 23.5 USD, Business First Bancshares, Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart BFST

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$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$21.015 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '25
FINANCIALS
270 M REVENUE
9.27%
83.1 M OPERATING INCOME
-35.95%
65.1 M NET INCOME
-8.36%
61.4 M OPERATING CASH FLOW
-33.57%
-295 M INVESTING CASH FLOW
43.41%
326 M FINANCING CASH FLOW
-34.97%
77.8 M REVENUE
0.55%
24.5 M OPERATING INCOME
15.17%
20.5 M NET INCOME
24.59%
28.7 M OPERATING CASH FLOW
65.76%
71.8 M INVESTING CASH FLOW
3857.12%
0 FINANCING CASH FLOW
0.00%
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 69.8 M
PP&E 82 M
Other Non-Current Assets 69.1 M
16.40 %80.62 %Total Assets$7.4b
Current Liabilities 5.99 B
Accounts Payable 5.97 M
Short-Term Debt 0
Other Current Liabilities 5.98 B
Non-Current Liabilities 461 M
Long-Term Debt 461 M
Other Non-Current Liabilities 0
92.77 %7.14 %Total Liabilities$6.4b
EFFICIENCY
Earnings Waterfall Business First Bancshares, Inc.
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Revenue 270 M
Cost Of Revenue 0
Gross Profit 270 M
Operating Expenses 270 M
Operating Income 83.1 M
Other Expenses 18 M
Net Income 65.1 M
300m300m250m250m200m200m150m150m100m100m50m50m00270m0270m(270m)83m(18m)65mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
30.73% OPERATING MARGIN
30.73%
24.08% NET MARGIN
24.08%
8.14% ROE
8.14%
0.83% ROA
0.83%
4.63% ROIC
4.63%
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 -1.56 M
Stock-Based Compensation 3 M
Change in Working Capital 0
Others -25 M
Free Cash Flow 59.8 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Business First Bancshares, Inc.
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Wall Street analysts predict an average 1-year price target for BFST of $28 , with forecasts ranging from a low of $27 to a high of $29 .
BFST Lowest Price Target Wall Street Target
27 USD 14.94%
BFST Average Price Target Wall Street Target
28 USD 19.20%
BFST Highest Price Target Wall Street Target
29 USD 23.46%
Price
Max Price Target
Min Price Target
Average Price Target
3030282826262424222220201818Jun '24Jun '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
0.57% DIVIDEND YIELD
0.14 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
0.600.600.500.500.400.400.300.300.200.200.100.100.000.000.080.10.10.120.120.140.140.080.10.10.120.120.120.140.140.080.10.10.120.120.120.140.080.320.10.400.10.400.120.480.120.480.140.520.140.560.142018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
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6. Ownership
Insider Ownership Business First Bancshares, Inc.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
1.95 M USD 5
9-12 MONTHS
1.52 M USD 4
Bought
38.2 K USD 1
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Business First Bancshares, Inc. Appoints Alejandro M. Sanchez to its Board of Directors BATON ROUGE, La., April 30, 2025 (GLOBE NEWSWIRE) -- Business First Bancshares Inc. (Nasdaq: BFST), the holding company for b1BANK, has announced the appointment of Alejandro M. Sanchez to the Business First Bancshares, Inc. Board of Directors and b1BANK Board of Directors, effective March 27, 2025. globenewswire.com - 2 weeks ago
Business First Bancshares: A Small, Solid, And Undervalued Bank Business First Bancshares has shown strong growth through acquisitions, with Oakwood adding $714 million in deposits, and expanding its branch network in Texas and Louisiana. Despite a slight decline in non-interest-bearing deposits and increased non-performing loans, BFST's NIM is improving, and deposit costs are declining. The bank's loan portfolio is well-positioned with high rates on maturing loans and favorable conditions if the Fed maintains current rates. seekingalpha.com - 3 weeks ago
Business First Bancshares, Inc. (BFST) Q1 2025 Earnings Call Transcript Business First Bancshares, Inc. (NASDAQ:BFST ) Q1 2025 Earnings Call April 24, 2025 5:00 PM ET Company Participants Matt Sealy - Investor Relations Jude Melville - Chairman and Chief Executive Officer Greg Robertson - Chief Financial Officer Philip Jordan - Chief Banking Officer Jerry Vascocu - President, b1BANK Conference Call Participants Matt Olney - Stephens Michael Rose - Raymond James Feddie Strickland - Hovde Group Christopher Marinac - Janney Manuel Navas - D.A. Davidson Operator Hello and thank you for standing by. seekingalpha.com - 3 weeks ago
Business First (BFST) Q1 Earnings: How Key Metrics Compare to Wall Street Estimates Although the revenue and EPS for Business First (BFST) give a sense of how its business performed in the quarter ended March 2025, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers. zacks.com - 3 weeks ago
Business First (BFST) Tops Q1 Earnings and Revenue Estimates Business First (BFST) came out with quarterly earnings of $0.65 per share, beating the Zacks Consensus Estimate of $0.61 per share. This compares to earnings of $0.50 per share a year ago. zacks.com - 3 weeks ago
Business First Bancshares, Inc., Announces Financial Results for Q1 2025 BATON ROUGE, La., April 24, 2025 (GLOBE NEWSWIRE) -- Business First Bancshares, Inc. (NASDAQ: BFST) (Business First), parent company of b1BANK, today announced its unaudited results for the quarter ended March 31, 2025. Business First reported net income available to common shareholders of $19.2 million or $0.65 per diluted common share, increases of $4.1 million and $0.14, respectively, compared to the linked quarter ended Dec. 31, 2024. On a non-GAAP basis, core net income for the quarter ended March 31, 2025, which excludes certain income and expenses, was $19.3 million or $0.65 per diluted common share, a decrease of $0.2 million and $0.01, from the linked quarter. globenewswire.com - 3 weeks ago
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 - 1 month 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 - 2 months 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 - 3 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 - 3 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 - 3 months ago
8. Profile Summary

Business First Bancshares, Inc. BFST

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 698 M
Dividend Yield 0.57%
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 Mr. Philip Jordan Executive Vice President & Chief Banking Officer Donald Chad Carter Executive Vice President & Correspondent Banking Ms. Senna Bayasgalan Chief Marketing Officer Mr. David R. Melville III Chairman, President & Chief Executive Officer Mr. Jesse Jackson Executive Vice President of Financial Institutions Group Mr. Gregory Robertson Executive Vice President, Chief Financial Officer & Treasurer Mr. Keith Mansfield Executive Vice President & Chief Operating Officer Ms. Saundra Strong Executive Vice President, General Counsel & Corporate Secretary Ms. Kathryn Manning Executive Vice President & Chief Risk Officer Mr. Warren McDonald Executive Vice President & Chief Credit Officer