BFST:NSD-Business First Bancshares, Inc (USD)

COMMON STOCK | Banks-Regional | NSD

Last Closing Price

USD 23.47

Change

0.00 (0.00)%

Market Cap

USD 0.49B

Volume

0.02M

Average Target Price

N/A
Average Analyst Rating

N/A

Fundamental Analysis

Verdict

About

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 a range of checking, demand, money market, time, and savings accounts, as well as certificates of deposit; and remote deposit capture and direct deposit services. The company also provides commercial and industrial loans, including commercial lines of credit, working capital loans, term loans, equipment financing, asset acquisition, expansion and development loans, borrowing base loans, letters of credit, 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. Further, the company provides a range of other financial services comprising drive-through banking facilities, automated teller machines, debit and credit cards, and employee and payroll benefits solutions; and night depository, personalized checks, treasury and cash management, merchant, automated clearing house, electronic funds transfer, domestic and foreign wire transfer, traveler's checks, vault, loan and deposit sweep accounts, lock-box, receivables factoring, correspondent banking, online and mobile banking, e-statements, and bank-by-mail services. The company operates approximately 42 full-service banking centers located in the State of Louisiana and in the Dallas/Fort Worth metroplex. Business First Bancshares, Inc. was incorporated in 2006 and is headquartered in Baton Rouge, Louisiana.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2021-04-18 )

Largest Industry Peers for Banks-Regional

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
HBANN Huntington Bancshares Incorpor..

N/A

USD28.33B 37.67 N/A
SIVB SVB Financial Group

N/A

USD28.01B 22.69 N/A
FITB Fifth Third Bancorp

N/A

USD27.15B 20.87 N/A
FITBI Fifth Third Bancorp

N/A

USD19.88B 15.53 N/A
HBAN Huntington Bancshares Incorpor..

N/A

USD16.54B 23.45 N/A
HBANO Huntington Bancshares Incorpor..

N/A

USD13.18B 36.78 N/A
SBNY Signature Bank

N/A

USD13.11B 22.85 N/A
ZION Zions Bancorporation, National..

N/A

USD9.18B 18.58 N/A
CBSH Commerce Bancshares, Inc

N/A

USD9.03B 21.40 N/A
FCNCA First Citizens BancShares, Inc

N/A

USD8.32B 18.04 N/A

ETFs Containing BFST

Symbol Name Weight Mer Price(Change) Market Cap

N/A

Market Performance

  Market Performance vs.
Industry/Classification (Banks-Regional)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 15.28% 36% F 62% D-
Dividend Return 0.49% 18% F 37% F
Total Return 15.77% 34% F 62% D-
Trailing 12 Months  
Capital Gain 94.93% 82% B- 69% D+
Dividend Return 3.32% 33% F 54% F
Total Return 98.26% 83% B 69% D+
Trailing 5 Years  
Capital Gain N/A N/A N/A N/A N/A
Dividend Return N/A N/A N/A N/A N/A
Total Return N/A N/A N/A N/A N/A
Average Annual (5 Year Horizon)  
Capital Gain -8.24% 7% F 14% F
Dividend Return 1.09% 20% F 30% F
Total Return -7.16% 7% F 14% F
Risk Return Profile  
Volatility (Standard Deviation) 27.16% 35% F 61% D-
Risk Adjusted Return -26.35% 8% F 12% F
Market Capitalization 0.49B 55% F 50% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 87%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Banks-Regional)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 14.31 54% F 64% D
Price/Book Ratio 1.20 46% F 82% B-
Price / Cash Flow Ratio 16.55 27% F 27% F
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 8.63% 56% F 73% C
Return on Invested Capital 6.98% 70% C- 73% C
Return on Assets 0.93% 51% F 58% F
Debt to Equity Ratio 7.56% 85% B 76% C
Technical Ratios  
Short Ratio 3.36 46% F 34% F
Short Percent 0.77% 82% B- 85% B
Beta 0.89 59% F 68% D+
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Low debt

The company is less leveraged than its peers ,, and is among the top quartile, which makes it more flexible. However, do check the news and look at its sector. Sometimes this is low because the company is not growing and has no growth potential.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

Superior Earnings Growth

This stock has shown top quartile earnings growth in the previous 5 years compared to its sector.

Superior Revenue Growth

This stock has shown top quartile revenue growth in the previous 5 years compared to its sector.

What to not like:
Poor risk adjusted returns

This company is delivering below median risk adjusted returns in its peers. Even if it is outperforming on returns , the returns are unpredictable. Proceed with caution.

High volatility

The total returns for this company are volatile and above median for its sector over the past 5 years. Make sure you have the risk tolerance for investing in such stock.

Below median total returns

The company has under performed its peers on annual average total returns in the past 5 years.

Below median dividend returns

The company’s average income yield over the past 5 years has been low compared to its peers. However, it is not a problem if you are not looking for income.

Overpriced compared to book value

The stock is trading high compared to its peers median on a price to book value basis.

Overpriced on cashflow basis

The stock is trading high compared to its peers on a price to cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.