NASDAQ
BFST
Last Price
US $32.28
KEY FIGURES
MKT CAP
$1.1B
EPS
TTM
$2.85
EPS Growth (1Y)
23.01%
PEG
TTM
1.02x
P/E
TTM
11.31x
P/S
TTM
2.31x
YIELD
1.83%
GROWTH (5Y CAGR)
Profit margin
Current Ratio
Capital Returns
9.85%
Return on equity
ROIC: 0.54%
Valuation History
11.4X
Price to Earnings
EV/EBITDA: 17.6X
Cash flow
Profit margin
Revenue
24.85%
EBITDA
24.42%
Cash flow
28.42%
Cash Flow (DCF)
Fair Value
Market $32.28
41.54%
Default assumptions
EBITDA Multiple
Fair Value
Market $32.28
-34.32%
Default assumptions
Base valuations use default assumptions. Customize in the Valuator.
Valuation
Financial
Performance
Cash flow to debt coverage
Business First Bancshares, Inc. cash flow to debt ratio of 16.70% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.
Free cash flow growth
Business First Bancshares, Inc.'s free cash flow has increased 53.88% from $59.84M last year to $92.08M, signaling increasing performance
Debt-to-equity ratio
Business First Bancshares, Inc.'s debt to equity ratio is 0.61, which means that the company's assets are unhealthy financed, signaling financial risk.
Debt-to-equity trend
Business First Bancshares, Inc.'s debt has increased relative to shareholder equity from 0.60 last year to 0.61 today, signaling weakened financials
Net debt to EBITDA
Business First Bancshares, Inc. has a net cash position, so leverage is healthy.
Interest coverage
Business First Bancshares, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.
Profit margin growth
Business First Bancshares, Inc.'s profit margin has increased (43.55%) in the last year from 14.22% to 20.42%, signaling increasing performance
Current ratio
Business First Bancshares, Inc.'s short-term liabilities of $6.98B exceed its short-term assets of $1.04B, signaling financial risk
Return on assets
Business First Bancshares, Inc.'s return on assets of 1.04% is lower than the 5.00% threshold, indicating inefficient asset utilization
Return on equity
Business First Bancshares, Inc.'s return on equity of 9.85%, is lower than 15.00%, indicating bad performance
Earnings quality
Business First Bancshares, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation
Earnings stability
Business First Bancshares, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings
Positive free cash flow
Business First Bancshares, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures
Free cash flow yield
Business First Bancshares, Inc. has a free cash flow yield of 8.93%, which is above the 2.00% threshold, indicating strong cash generation relative to market value
Earnings growth
Business First Bancshares, Inc.'s yearly earnings has increased 34.95% since last year from $65.11M to $87.86M, signaling increasing performance
Revenue growth
Business First Bancshares, Inc.'s yearly revenue has increased 11.84% since last year from $457.75M to $511.93M, signaling increasing performance
Return on invested capital
ROIC 0.54% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.
3-year revenue CAGR
Business First Bancshares, Inc.'s 3-year revenue CAGR of 24.69% is positive, indicating growing revenue over the past 3 years
Revenue consistency
Business First Bancshares, Inc. had revenue growth in 5 out of 5 years, indicating consistent revenue performance
Return on equity consistency
Business First Bancshares, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity
Cash Flow Valuation (DCF)
Business First Bancshares, Inc. is undervalued relative to its fair value price of 45.69 based on Discounted Cash Flow model
Earnings yield (TTM)
Business First Bancshares, Inc. has an earnings yield of 9.05%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
EBITDA Valuation
Business First Bancshares, Inc. is overvalued relative to its fair value price of 21.20 based on EBITDA multiple model
EV/EBITDA (FY)
Business First Bancshares, Inc. has an EV/EBITDA ratio of 4.87x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings
PEG ratio (TTM/FY)
Business First Bancshares, Inc. has a PEG-ratio under 1 which is considered undervalued
Price-to-book ratio (FY)
Business First Bancshares, Inc. has a price-to-book ratio of 1.02x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Price-to-sales ratio (TTM)
Business First Bancshares, Inc. has a price-to-sales ratio of 2.26x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue