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Company Analysis

Business First Bancshares, Inc. BFST

A comprehensive view of key metrics, scores, and financial health for Business First Bancshares, Inc.

Overview of Business First Bancshares, Inc.

BFST NMS
Financial Services Banks - Regional Small Cap
Business First Bancshares, Inc. (BFST), is a Small Cap company, in the Banks - Regional industry, last closed at $26.09, about 7.9% undervalued vs fair value, +5.9% 1Y return, ranked 373/1004 in sector.
$26.09
-0.76%
As of March 13, 2026
Previous close • Vol 90d: 24.7%
52-Week Range
Market Cap
$856.08M
Enterprise Value
$922.00M
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.b1bank.com
HQ Baton Rouge, LA
Employees 821
Fiscal year Dec 31

Next Events

Earnings Apr 23 Estimated

Fair Value Snapshot

Bear Base Bull
$16
$28
$53
Current: $26.09 +8% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$414.8M
17.4%%
Interest Expense
$187.4M
Net Interest Income
$227.4M
5.7%%
Total Revenue
$270.4M
9.3%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
8.2%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$20.3M
34.0% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
0
Active Leaks
0/0
Improving
0
High Impact
0
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Business First Bancshares, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
52
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
60
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 82% Coverage
Trade-Off Triangle Visualization A ternary plot showing BFST's balance between Growth (29.2%), Profitability (37.9%), and Safety (32.9%). Growth 29% Safety 33% Profitability 38%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

43th percentile vs peers
43
Key Signals
Asset Growth YoY 19.3% 89p Revenue CAGR 3Y 13.2% 30p Rev Growth YoY 9.3% 16p
Strengths
  • Asset Growth Yoy in top 20% of peers (19.3%, 89th percentile)
Risks
  • Rev Growth Yoy in bottom 20% of peers (9.3%)

Profitability

56th percentile vs peers
56
Key Signals
Strengths
Risks
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Safety

48th percentile vs peers
49
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Business First Bancshares, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
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- upside
-
Base
$28.14
- - -
+7.9% vs current
Snapshot base estimate
Bull
-
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- upside
-
Fair Value Range Current: $-
$- $- $-
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