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BUSINESS FIRST BANCSHARES (BFST) Stock Fundamental Analysis

NASDAQ:BFST - Nasdaq - US12326C1053 - Common Stock - Currency: USD

25.03  -0.04 (-0.16%)

After market: 25.03 0 (0%)

Fundamental Rating

4

Overall BFST gets a fundamental rating of 4 out of 10. We evaluated BFST against 402 industry peers in the Banks industry. Both the profitability and financial health of BFST have multiple concerns. BFST has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year BFST was profitable.
BFST had a positive operating cash flow in the past year.
Each year in the past 5 years BFST has been profitable.
BFST had a positive operating cash flow in 4 of the past 5 years.
BFST Yearly Net Income VS EBIT VS OCF VS FCFBFST Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M

1.2 Ratios

BFST has a Return On Assets (0.86%) which is in line with its industry peers.
BFST's Return On Equity of 8.44% is in line compared to the rest of the industry. BFST outperforms 51.98% of its industry peers.
Industry RankSector Rank
ROA 0.86%
ROE 8.44%
ROIC N/A
ROA(3y)0.88%
ROA(5y)0.89%
ROE(3y)8.92%
ROE(5y)9.22%
ROIC(3y)N/A
ROIC(5y)N/A
BFST Yearly ROA, ROE, ROICBFST Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

The Profit Margin of BFST (23.23%) is comparable to the rest of the industry.
BFST's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for BFST so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 23.23%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-7.15%
PM growth 5Y-3.43%
GM growth 3YN/A
GM growth 5YN/A
BFST Yearly Profit, Operating, Gross MarginsBFST Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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2

2. Health

2.1 Basic Checks

BFST does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, BFST has more shares outstanding
BFST has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, BFST has an improved debt to assets ratio.
BFST Yearly Shares OutstandingBFST Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M
BFST Yearly Total Debt VS Total AssetsBFST Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

2.2 Solvency

The Debt to FCF ratio of BFST is 2.19, which is a good value as it means it would take BFST, 2.19 years of fcf income to pay off all of its debts.
BFST has a Debt to FCF ratio of 2.19. This is comparable to the rest of the industry: BFST outperforms 54.46% of its industry peers.
BFST has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.
BFST's Debt to Equity ratio of 0.18 is in line compared to the rest of the industry. BFST outperforms 53.22% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 2.19
Altman-Z N/A
ROIC/WACCN/A
WACC12.58%
BFST Yearly LT Debt VS Equity VS FCFBFST Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BFST Yearly Current Assets VS Current LiabilitesBFST Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M

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6

3. Growth

3.1 Past

BFST shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -5.34%.
BFST shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 6.62% yearly.
The Revenue has been growing slightly by 7.87% in the past year.
Measured over the past years, BFST shows a very strong growth in Revenue. The Revenue has been growing by 24.47% on average per year.
EPS 1Y (TTM)-5.34%
EPS 3Y3.76%
EPS 5Y6.62%
EPS Q2Q%0%
Revenue 1Y (TTM)7.87%
Revenue growth 3Y12.7%
Revenue growth 5Y24.47%
Sales Q2Q%28.94%

3.2 Future

Based on estimates for the next years, BFST will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.56% on average per year.
BFST is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.09% yearly.
EPS Next Y10.48%
EPS Next 2Y10.56%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year20.56%
Revenue Next 2Y13.09%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
BFST Yearly Revenue VS EstimatesBFST Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 100M 200M 300M
BFST Yearly EPS VS EstimatesBFST Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

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5

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 10.09, which indicates a very decent valuation of BFST.
BFST's Price/Earnings ratio is a bit cheaper when compared to the industry. BFST is cheaper than 76.73% of the companies in the same industry.
When comparing the Price/Earnings ratio of BFST to the average of the S&P500 Index (29.35), we can say BFST is valued rather cheaply.
A Price/Forward Earnings ratio of 9.14 indicates a reasonable valuation of BFST.
BFST's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. BFST is cheaper than 78.47% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of BFST to the average of the S&P500 Index (22.10), we can say BFST is valued rather cheaply.
Industry RankSector Rank
PE 10.09
Fwd PE 9.14
BFST Price Earnings VS Forward Price EarningsBFST Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

BFST's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 12.84
EV/EBITDA N/A
BFST Per share dataBFST EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

BFST's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.96
PEG (5Y)1.52
EPS Next 2Y10.56%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.23%, BFST has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.37, BFST is paying slightly less dividend.
BFST's Dividend Yield is comparable with the S&P500 average which is at 2.33.
Industry RankSector Rank
Dividend Yield 2.23%

5.2 History

The dividend of BFST is nicely growing with an annual growth rate of 20.62%!
BFST has been paying a dividend for over 5 years, so it has already some track record.
As BFST did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)20.62%
Div Incr Years6
Div Non Decr Years6
BFST Yearly Dividends per shareBFST Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 2024 2025 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

BFST pays out 33.31% of its income as dividend. This is a sustainable payout ratio.
BFST's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP33.31%
EPS Next 2Y10.56%
EPS Next 3YN/A
BFST Yearly Income VS Free CF VS DividendBFST Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M
BFST Dividend Payout.BFST Dividend Payout, showing the Payout Ratio.BFST Dividend Payout.PayoutRetained Earnings

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BUSINESS FIRST BANCSHARES

NASDAQ:BFST (3/7/2025, 8:07:18 PM)

After market: 25.03 0 (0%)

25.03

-0.04 (-0.16%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-23 2025-01-23/amc
Earnings (Next)04-23 2025-04-23/amc
Inst Owners47.82%
Inst Owner Change8.41%
Ins Owners5.46%
Ins Owner Change-0.06%
Market Cap739.64M
Analysts85.45
Price Target33.76 (34.88%)
Short Float %0.88%
Short Ratio2.23
Dividend
Industry RankSector Rank
Dividend Yield 2.23%
Yearly Dividend0.72
Dividend Growth(5Y)20.62%
DP33.31%
Div Incr Years6
Div Non Decr Years6
Ex-Date02-14 2025-02-14 (0.14)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)19.93%
Min EPS beat(2)17.79%
Max EPS beat(2)22.07%
EPS beat(4)3
Avg EPS beat(4)8.46%
Min EPS beat(4)-13.91%
Max EPS beat(4)22.07%
EPS beat(8)7
Avg EPS beat(8)11.48%
EPS beat(12)10
Avg EPS beat(12)9.1%
EPS beat(16)13
Avg EPS beat(16)8.78%
Revenue beat(2)2
Avg Revenue beat(2)1.72%
Min Revenue beat(2)0.38%
Max Revenue beat(2)3.06%
Revenue beat(4)2
Avg Revenue beat(4)-1.55%
Min Revenue beat(4)-5.56%
Max Revenue beat(4)3.06%
Revenue beat(8)5
Avg Revenue beat(8)0.51%
Revenue beat(12)7
Avg Revenue beat(12)0.27%
Revenue beat(16)9
Avg Revenue beat(16)2.51%
PT rev (1m)0%
PT rev (3m)2.24%
EPS NQ rev (1m)-1.22%
EPS NQ rev (3m)-1.22%
EPS NY rev (1m)1.48%
EPS NY rev (3m)2.37%
Revenue NQ rev (1m)-0.51%
Revenue NQ rev (3m)-0.51%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.89%
Valuation
Industry RankSector Rank
PE 10.09
Fwd PE 9.14
P/S 2.91
P/FCF 12.84
P/OCF 11.32
P/B 1.06
P/tB 1.24
EV/EBITDA N/A
EPS(TTM)2.48
EY9.91%
EPS(NY)2.74
Fwd EY10.95%
FCF(TTM)1.95
FCFY7.79%
OCF(TTM)2.21
OCFY8.84%
SpS8.6
BVpS23.67
TBVpS20.23
PEG (NY)0.96
PEG (5Y)1.52
Profitability
Industry RankSector Rank
ROA 0.86%
ROE 8.44%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.23%
GM N/A
FCFM 22.66%
ROA(3y)0.88%
ROA(5y)0.89%
ROE(3y)8.92%
ROE(5y)9.22%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-7.15%
PM growth 5Y-3.43%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 2.19
Debt/EBITDA N/A
Cap/Depr 161.33%
Cap/Sales 3.06%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 97.53%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC12.58%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-5.34%
EPS 3Y3.76%
EPS 5Y6.62%
EPS Q2Q%0%
EPS Next Y10.48%
EPS Next 2Y10.56%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)7.87%
Revenue growth 3Y12.7%
Revenue growth 5Y24.47%
Sales Q2Q%28.94%
Revenue Next Year20.56%
Revenue Next 2Y13.09%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-24.45%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-20.82%
OCF growth 3YN/A
OCF growth 5YN/A