Business First Bancshares, Inc. Logo

Business First Bancshares, Inc.

BFST

(4.0)
Stock Price

28,35 USD

1.02% ROA

10.47% ROE

9.03x PER

Market Cap.

704.812.056,00 USD

64.84% DER

2.34% Yield

17.6% NPM

Business First Bancshares, Inc. Stock Analysis

Business First Bancshares, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Business First Bancshares, Inc. Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.87x) suggests it's undervalued, making it an attractive opportunity for investors.

2 Revenue Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

3 Net Profit Growth

This company has consistently achieved strong net profit growth over the past five years, demonstrating a solid financial performance and making it an appealing investment option.

4 Assets Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

5 Dividend Growth

The company has demonstrated exceptional dividend growth over the past five years, consistently increasing payouts to shareholders year after year.

6 Dividend

The company's consistent dividend distribution over the past five years reflects its dedication to providing shareholders with steady returns, making it an appealing choice for investors seeking income stability.

7 ROE

ROE in an average range (12.28%) suggests satisfactory profitability and decent utilization of shareholders' equity.

8 ROA

The stock's ROA (1.15%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

9 Graham Number

The Graham number of this company suggests that its stock price may be undervalued, indicating a potentially attractive investment opportunity.

10 Buffet Intrinsic Value

The company's stock seems undervalued (84) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

11 DER

The company has a high debt to equity ratio (102%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

Business First Bancshares, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Business First Bancshares, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Sell
3 RSI Hold
4 Stoch RSI Sell

Business First Bancshares, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Business First Bancshares, Inc. Revenue
Year Revenue Growth
2012 22.841.000
2013 25.697.000 11.11%
2014 24.552.000 -4.66%
2015 37.330.000 34.23%
2016 43.013.000 13.21%
2017 49.990.000 13.96%
2018 70.008.000 28.59%
2019 90.906.000 22.99%
2020 149.210.000 39.08%
2021 186.559.000 20.02%
2022 227.540.000 18.01%
2023 254.956.000 10.75%
2023 385.635.000 33.89%
2024 446.616.000 13.65%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Business First Bancshares, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
2012 0
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Business First Bancshares, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
2012 13.162.000
2013 13.340.000 1.33%
2014 13.665.000 2.38%
2015 20.486.000 33.3%
2016 25.064.000 18.27%
2017 27.050.000 7.34%
2018 27.862.000 2.91%
2019 35.126.000 20.68%
2020 57.394.000 38.8%
2021 79.421.000 27.73%
2022 89.048.000 10.81%
2023 94.176.000 5.45%
2023 93.718.000 -0.49%
2024 106.660.000 12.13%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Business First Bancshares, Inc. EBITDA
Year EBITDA Growth
2012 118.000
2013 -344.000 134.3%
2014 0 0%
2015 11.280.000 100%
2016 13.849.000 18.55%
2017 17.361.000 20.23%
2018 32.508.000 46.59%
2019 31.440.000 -3.4%
2020 39.946.000 21.29%
2021 70.350.000 43.22%
2022 109.947.000 36.01%
2023 110.624.000 0.61%
2023 6.767.000 -1534.76%
2024 -7.036.000 196.18%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Business First Bancshares, Inc. Gross Profit
Year Gross Profit Growth
2012 22.841.000
2013 25.697.000 11.11%
2014 24.552.000 -4.66%
2015 37.330.000 34.23%
2016 43.013.000 13.21%
2017 49.990.000 13.96%
2018 70.008.000 28.59%
2019 90.906.000 22.99%
2020 149.210.000 39.08%
2021 186.559.000 20.02%
2022 227.540.000 18.01%
2023 254.956.000 10.75%
2023 386.894.000 34.1%
2024 446.760.000 13.4%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Business First Bancshares, Inc. Net Profit
Year Net Profit Growth
2012 3.767.000
2013 4.261.000 11.59%
2014 4.033.000 -5.65%
2015 4.096.000 1.54%
2016 5.111.000 19.86%
2017 4.848.000 -5.42%
2018 14.091.000 65.6%
2019 23.772.000 40.72%
2020 29.994.000 20.74%
2021 52.136.000 42.47%
2022 54.255.000 3.91%
2023 81.820.000 33.69%
2023 71.043.000 -15.17%
2024 68.824.000 -3.22%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Business First Bancshares, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2012 1
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 100%
2019 2 0%
2020 2 0%
2021 3 50%
2022 2 0%
2023 3 33.33%
2023 3 -50%
2024 3 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Business First Bancshares, Inc. Free Cashflow
Year Free Cashflow Growth
2012 7.747.000
2013 7.890.000 1.81%
2014 6.674.000 -18.22%
2015 2.436.000 -173.97%
2016 6.760.000 63.96%
2017 7.463.000 9.42%
2018 18.357.000 59.35%
2019 20.459.000 10.27%
2020 26.369.000 22.41%
2021 52.472.000 49.75%
2022 61.796.000 15.09%
2023 78.506.000 21.28%
2023 1.690.000 -4545.33%
2024 14.009.000 87.94%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Business First Bancshares, Inc. Operating Cashflow
Year Operating Cashflow Growth
2012 9.215.000
2013 8.218.000 -12.13%
2014 6.892.000 -19.24%
2015 3.398.000 -102.83%
2016 8.150.000 58.31%
2017 7.968.000 -2.28%
2018 19.276.000 58.66%
2019 24.418.000 21.06%
2020 29.339.000 16.77%
2021 56.443.000 48.02%
2022 69.577.000 18.88%
2023 92.427.000 24.72%
2023 1.690.000 -5369.05%
2024 15.064.000 88.78%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Business First Bancshares, Inc. Capital Expenditure
Year Capital Expenditure Growth
2012 1.468.000
2013 328.000 -347.56%
2014 218.000 -50.46%
2015 962.000 77.34%
2016 1.390.000 30.79%
2017 505.000 -175.25%
2018 919.000 45.05%
2019 3.959.000 76.79%
2020 2.970.000 -33.3%
2021 3.971.000 25.21%
2022 7.781.000 48.97%
2023 13.921.000 44.11%
2023 0 0%
2024 1.055.000 100%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Business First Bancshares, Inc. Equity
Year Equity Growth
2012 71.014.000
2013 71.923.000 1.26%
2014 78.845.000 8.78%
2015 112.449.000 29.88%
2016 113.559.000 0.98%
2017 179.935.000 36.89%
2018 260.058.000 30.81%
2019 285.097.000 8.78%
2020 409.963.000 30.46%
2021 433.368.000 5.4%
2022 580.481.000 25.34%
2023 644.259.000 9.9%
2023 604.366.000 -6.6%
2024 664.530.000 9.05%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Business First Bancshares, Inc. Assets
Year Assets Growth
2012 681.062.000
2013 684.180.000 0.46%
2014 684.502.000 0.05%
2015 1.076.089.000 36.39%
2016 1.105.841.000 2.69%
2017 1.321.256.000 16.3%
2018 2.094.896.000 36.93%
2019 2.273.835.000 7.87%
2020 4.160.360.000 45.35%
2021 4.726.378.000 11.98%
2022 5.990.460.000 21.1%
2023 6.595.916.000 9.18%
2023 6.488.781.000 -1.65%
2024 6.703.889.000 3.21%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Business First Bancshares, Inc. Liabilities
Year Liabilities Growth
2012 610.048.000
2013 612.257.000 0.36%
2014 605.657.000 -1.09%
2015 963.640.000 37.15%
2016 992.282.000 2.89%
2017 1.141.321.000 13.06%
2018 1.834.838.000 37.8%
2019 1.988.738.000 7.74%
2020 3.750.397.000 46.97%
2021 4.293.010.000 12.64%
2022 5.409.979.000 20.65%
2023 5.951.657.000 9.1%
2023 5.884.415.000 -1.14%
2024 6.039.359.000 2.57%

Business First Bancshares, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
15.08
Net Income per Share
2.65
Price to Earning Ratio
9.03x
Price To Sales Ratio
1.85x
POCF Ratio
9.12
PFCF Ratio
13.42
Price to Book Ratio
0.91
EV to Sales
2.48
EV Over EBITDA
36.55
EV to Operating CashFlow
14.24
EV to FreeCashFlow
18
Earnings Yield
0.11
FreeCashFlow Yield
0.07
Market Cap
0,70 Bil.
Enterprise Value
0,94 Bil.
Graham Number
39.63
Graham NetNet
-293.1

Income Statement Metrics

Net Income per Share
2.65
Income Quality
0.99
ROE
0.1
Return On Assets
0.01
Return On Capital Employed
-0.01
Net Income per EBT
0.79
EBT Per Ebit
-2.83
Ebit per Revenue
-0.08
Effective Tax Rate
0.21

Margins

Sales, General, & Administrative to Revenue
0.39
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
1
Operating Profit Margin
-0.08
Pretax Profit Margin
0.22
Net Profit Margin
0.18

Dividends

Dividend Yield
0.02
Dividend Yield %
2.34
Payout Ratio
0.29
Dividend Per Share
0.56

Operating Metrics

Operating Cashflow per Share
2.63
Free CashFlow per Share
2.08
Capex to Operating CashFlow
0.21
Capex to Revenue
0.04
Capex to Depreciation
2.22
Return on Invested Capital
-0.02
Return on Tangible Assets
0.01
Days Sales Outstanding
29.33
Days Payables Outstanding
-25761.02
Days of Inventory on Hand
28196284.22
Receivables Turnover
12.45
Payables Turnover
-0.01
Inventory Turnover
0
Capex per Share
0.55

Balance Sheet

Cash per Share
42,87
Book Value per Share
26,30
Tangible Book Value per Share
22.25
Shareholders Equity per Share
26.3
Interest Debt per Share
22.4
Debt to Equity
0.65
Debt to Assets
0.06
Net Debt to EBITDA
9.29
Current Ratio
0.16
Tangible Asset Value
0,56 Bil.
Net Current Asset Value
-5,69 Bil.
Invested Capital
-1753909000
Working Capital
-1,92 Bil.
Intangibles to Total Assets
0.02
Average Receivables
0,03 Bil.
Average Payables
0,00 Bil.
Average Inventory
-5209102000
Debt to Market Cap
0.61

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Business First Bancshares, Inc. Dividends
Year Dividends Growth
2018 0
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 1 0%
2024 0 0%

Business First Bancshares, Inc. Profile

About Business First Bancshares, Inc.

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.

CEO
Mr. David R. Melville III
Employee
751
Address
500 Laurel Street
Baton Rouge, 70801

Business First Bancshares, Inc. Executives & BODs

Business First Bancshares, Inc. Executives & BODs
# Name Age
1 Dr. Margaret Singer Lee
Executive Vice President, Chief Human Resources Officer
70
2 Mr. David R. Melville III
Chairman, President & Chief Executive Officer
70
3 Mr. Warren McDonald
Executive Vice President & Chief Credit Officer
70
4 Ms. Kathryn Manning
Executive Vice President & Chief Risk Officer
70
5 Mr. Jesse Jackson
Executive Vice President of Financial Institutions Group
70
6 Mr. Philip Jordan
Executive Vice President & Chief Banking Officer
70
7 Mr. Gregory Robertson
Executive Vice President, Chief Financial Officer & Treasurer
70
8 Mr. Keith Mansfield
Executive Vice President & Chief Operating Officer
70
9 Mr. Norman Jerome Vascocu Jr.
Executive Vice President & Chief Administrative Officer
70
10 Ms. Saundra Strong
Executive Vice President, General Counsel & Corporate Secretary
70

Business First Bancshares, Inc. Competitors