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BUSINESS FIRST BANCSHARES (BFST) Stock Fundamental Analysis

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

23.6  +0.39 (+1.68%)

Fundamental Rating

4

Taking everything into account, BFST scores 4 out of 10 in our fundamental rating. BFST was compared to 398 industry peers in the Banks industry. BFST has a bad profitability rating. Also its financial health evaluation is rather negative. 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 of 0.86%. This is comparable to the rest of the industry: BFST outperforms 54.02% of its industry peers.
BFST has a Return On Equity (8.44%) which is in line with 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

With a Profit Margin value of 23.23%, BFST perfoms like the industry average, outperforming 49.25% of the companies in the same 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.
The number of shares outstanding for BFST has been increased compared to 1 year ago.
BFST has more shares outstanding than it did 5 years ago.
BFST has a better debt/assets ratio than last year.
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's Debt to FCF ratio of 2.19 is in line compared to the rest of the industry. BFST outperforms 51.01% of its industry peers.
A Debt/Equity ratio of 0.18 indicates that BFST is not too dependend on debt financing.
The Debt to Equity ratio of BFST (0.18) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 2.19
Altman-Z N/A
ROIC/WACCN/A
WACC13.06%
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.
Looking at the last year, BFST shows a small growth in Revenue. The Revenue has grown by 7.87% in the last year.
BFST shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 24.47% yearly.
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

The Earnings Per Share is expected to grow by 10.30% on average over the next years. This is quite good.
The Revenue is expected to grow by 12.96% on average over the next years. This is quite good.
EPS Next Y10.02%
EPS Next 2Y10.3%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year20.58%
Revenue Next 2Y12.96%
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.
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of 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 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

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5

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 9.52, the valuation of BFST can be described as reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of BFST indicates a rather cheap valuation: BFST is cheaper than 81.41% of the companies listed in the same industry.
BFST's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.64.
BFST is valuated reasonably with a Price/Forward Earnings ratio of 8.65.
Compared to the rest of the industry, the Price/Forward Earnings ratio of BFST indicates a somewhat cheap valuation: BFST is cheaper than 74.12% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 21.44. BFST is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 9.52
Fwd PE 8.65
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

Compared to the rest of the industry, the Price/Free Cash Flow ratio of BFST is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 12.12
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

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.95
PEG (5Y)1.44
EPS Next 2Y10.3%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

BFST has a Yearly Dividend Yield of 2.46%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.68, BFST is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.52, BFST has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.46%

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

33.31% of the earnings are spent on dividend by BFST. This is a low number and sustainable payout ratio.
The dividend of BFST is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP33.31%
EPS Next 2Y10.3%
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 (4/24/2025, 3:10:44 PM)

23.6

+0.39 (+1.68%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-23 2025-01-23/amc
Earnings (Next)04-24 2025-04-24/amc
Inst Owners47.82%
Inst Owner Change-0.08%
Ins Owners5.46%
Ins Owner Change-0.2%
Market Cap697.85M
Analysts85.45
Price Target33.35 (41.31%)
Short Float %0.78%
Short Ratio2.2
Dividend
Industry RankSector Rank
Dividend Yield 2.46%
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)-1.21%
PT rev (3m)0.31%
EPS NQ rev (1m)-1.22%
EPS NQ rev (3m)-1.22%
EPS NY rev (1m)-0.42%
EPS NY rev (3m)4.57%
Revenue NQ rev (1m)-0.51%
Revenue NQ rev (3m)-0.51%
Revenue NY rev (1m)0.02%
Revenue NY rev (3m)2.12%
Valuation
Industry RankSector Rank
PE 9.52
Fwd PE 8.65
P/S 2.75
P/FCF 12.12
P/OCF 10.68
P/B 1
P/tB 1.17
EV/EBITDA N/A
EPS(TTM)2.48
EY10.51%
EPS(NY)2.73
Fwd EY11.56%
FCF(TTM)1.95
FCFY8.25%
OCF(TTM)2.21
OCFY9.36%
SpS8.6
BVpS23.66
TBVpS20.21
PEG (NY)0.95
PEG (5Y)1.44
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
WACC13.06%
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 Y10.02%
EPS Next 2Y10.3%
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 Year20.58%
Revenue Next 2Y12.96%
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