Business First Bancshares, Inc. (BFST)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 147 | 187 | 228 | 247 | 270 | 320 | 264 | - |
| Operating profit | $m | 113 | 60 | ||||||
| Net profit | $m | 30 | 52 | 54 | 71 | 65 | 88 | 93 | 89 |
| EPS reported | $ | 2.78 | 2.82 | ||||||
| Operating cashflow per share | $ | 3.12 | 3.17 | ||||||
| Capex per share | $ | 0.00 | 0.13 | ||||||
| FCF per share | $ | 3.12 | 3.03 | ||||||
| Free cash flow | $m | 92 | 99 | ||||||
| Net debt | $m | -451 | -1,020 | ||||||
| Book value equity | $m | 897 | 1,009 | ||||||
| Book value per share | $ | 30.24 | 30.76 | ||||||
| Number of shares | m | 29.66 | 32.79 | ||||||
| DPS (TTM paid) | $ | 0.57 | 0.60 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 9.40 | 10.88 | ||||||
| P/B LTM | x | 0.86 | 0.77 | ||||||
| P/S LTM | x | 2.41 | 2.93 | ||||||
| P/FCF LTM | x | 8.39 | 7.81 | ||||||
| EV/EBITDA LTM | x | 7.66 | 14.63 | ||||||
| EV/Sales LTM | x | 1.78 | 2.37 | ||||||
| Earnings Yield LTM | % | +10.64% | +9.19% | ||||||
| FCF Yield | % | +11.92% | +12.80% | ||||||
| Quality | |||||||||
| ROE | % | +9.80% | +9.85% | ||||||
| ROIC | % | +5.97% | +0.54% | ||||||
| Operating margin | % | +22.15% | +13.08% | ||||||
| Gross margin | % | +60.92% | +56.36% | ||||||
| FCF/Sales | % | +17.99% | +21.72% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +23.01% | +24.78% | ||||||
| Sales Growth YoY | % | +18.39% | -2.42% | ||||||
| Net Income Growth YoY | % | +34.95% | +42.77% | ||||||
| FCF Growth | % | +53.88% | +65.22% | ||||||
| Operating Profit Growth | % | +36.48% | -28.32% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +2.88% | +1.88% | ||||||
| Dividend Growth | % | +1.79% | +7.14% | ||||||
| Payout Ratio | % | +26.98% | +26.96% | ||||||
| FCF/Debt | x | 0.17 | 0.16 | ||||||
| Net Debt/EBITDA | x | 1.18 | 0.65 | ||||||
| EBIT/Net interest | x | 0.59 | 0.31 | ||||||
| Net debt/market cap | % | +71.39% | +57.36% | ||||||
| Net debt/Equity | x | -0.50 | -1.01 | ||||||
| Gross debt/equity | x | 0.61 | 0.61 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Business First Bancshares, Inc. (BFST) serves as the bank holding company for b1BANK, delivering an extensive array of banking products and financial services. Its deposit offerings include checking, demand, money market, time, and savings accounts, alongside certificates of deposit, and modern conveniences such as remote and direct deposit capabilities. The company provides a diverse portfolio of lending solutions. These include commercial and industrial loans for working capital, equipment financing, asset acquisition, expansion, and development, featuring lines of credit, letters of credit, term loans, and borrowing base facilities. BFST also finances construction and development projects, commercial real estate, and residential properties, offering first and second lien mortgages for 1-4 family homes, plus home equity lines of credit. Consumer loan options span both secured and unsecured installment and term arrangements. Beyond traditional banking, BFST offers wealth management services, encompassing mutual funds, annuities, individual retirement accounts (IRAs), other investment products, fiduciary services, and private banking solutions. A wide range of additional financial tools are available, including debit and credit cards, comprehensive treasury and cash management services (such as merchant services, automated clearing house (ACH), lock-box, receivables factoring, and correspondent banking), and employee and payroll benefits solutions. Customer access points feature drive-through facilities, ATMs, night depositories, personalized checks, electronic funds transfer (EFT), domestic and international wire transfers, traveler's checks, vault services, sweep accounts, and robust online and mobile banking platforms, e-statements, and bank-by-mail services. As of March 1, 2022, Business First Bancshares operated approximately 48 full-service banking centers and three loan production offices across Louisiana, and in the Dallas and Houston metropolitan areas. The company was founded in 2006 and is headquartered in Baton Rouge, Louisiana.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Business First Bancshares, Inc. (BFST)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Business First Bancshares, Inc. (BFST) serves as the bank holding company for b1BANK, delivering an extensive array of banking products and financial services. Its deposit offerings include checking, demand, money market, time, and savings accounts, alongside certificates of deposit, and modern conveniences such as remote and direct deposit capabilities. The company provides a diverse portfolio of lending solutions. These include commercial and industrial loans for working capital, equipment financing, asset acquisition, expansion, and development, featuring lines of credit, letters of credit, term loans, and borrowing base facilities. BFST also finances construction and development projects, commercial real estate, and residential properties, offering first and second lien mortgages for 1-4 family homes, plus home equity lines of credit. Consumer loan options span both secured and unsecured installment and term arrangements. Beyond traditional banking, BFST offers wealth management services, encompassing mutual funds, annuities, individual retirement accounts (IRAs), other investment products, fiduciary services, and private banking solutions. A wide range of additional financial tools are available, including debit and credit cards, comprehensive treasury and cash management services (such as merchant services, automated clearing house (ACH), lock-box, receivables factoring, and correspondent banking), and employee and payroll benefits solutions. Customer access points feature drive-through facilities, ATMs, night depositories, personalized checks, electronic funds transfer (EFT), domestic and international wire transfers, traveler's checks, vault services, sweep accounts, and robust online and mobile banking platforms, e-statements, and bank-by-mail services. As of March 1, 2022, Business First Bancshares operated approximately 48 full-service banking centers and three loan production offices across Louisiana, and in the Dallas and Houston metropolitan areas. The company was founded in 2006 and is headquartered in Baton Rouge, Louisiana.
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