BFST:NSD-Business First Bancshares Inc (USD)

COMMON STOCK | Banks-Regional | NSD

Last Closing Price

USD 23.19

Change

+0.10 (+0.43)%

Market Cap

USD 0.46B

Volume

0.01M

Avg Analyst Target

USD 27.50 (+18.59%)

Avg User Target

USD
Average Analyst Rating

Verdict

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.

Company Website : http://www.b1bank.com

Address : 500 Laurel Street, Baton Rouge, LA, United States, 70801

Employees : 590

Fiscal Year End : December

Currency: USD

Country : USA

Technical Indicators

Beta : 0.87

52 Week High : 24.69

Short Ratio : 3.71

52 Week Low : 13.40

Shorted Shares : 133,105

200 Day Moving Average : 23.46

Shorted Shares Previous Month : 136,041

50 Day Moving Average : 23.25

Shares Held By Insiders : 7.01%

Short Percentage : 1.00%

Shares Held by Institutions : 31.35%

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2021-09-24 )

Largest Industry Peers for Banks-Regional

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
SIVB SVB Financial Group

+7.81 (+1.22%)

 USD37.67B 18.34 N/A
FITB Fifth Third Bancorp

+0.75 (+1.84%)

 USD28.15B 11.89 N/A
HBANN Huntington Bancshares Incorpor..

+0.02 (+0.07%)

 USD27.65B 27.39 N/A
HBAN Huntington Bancshares Incorpor..

+0.08 (+0.53%)

 USD22.31B 16.32 N/A
FITBI Fifth Third Bancorp

+0.01 (+0.03%)

 USD20.15B 8.40 N/A
SBNY Signature Bank

-0.19 (-0.07%)

 USD15.82B 20.56 N/A
HBANO Huntington Bancshares Incorpor..

N/A

 USD12.99B 21.91 N/A
ZION Zions Bancorporation National ..

+0.89 (+1.50%)

 USD9.62B 8.91 N/A
FCNCA First Citizens BancShares Inc

-0.08 (-0.01%)

 USD8.21B 14.75 N/A
CBSH Commerce Bancshares Inc

+0.63 (+0.93%)

 USD7.95B 14.60 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 13.90% 35% F 61% D-
Dividend Return 1.67% 24% F 46% F
Total Return 15.57% 34% F 61% D-
Trailing 12 Months  
Capital Gain 71.65% 57% F 73% C
Dividend Return 3.26% 30% F 53% F
Total Return 74.91% 57% F 73% C
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 1.16% 30% F 28% F
Dividend Return 1.32% 21% F 36% F
Total Return 2.48% 24% F 27% F
Risk Return Profile  
Volatility (Standard Deviation) 36.75% 25% F 50% F
Risk Adjusted Return 6.76% 19% F 23% F
Market Capitalization 0.46B 54% F 51% 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 8.81 80% B- 74% C
Price/Book Ratio 1.05 61% D- 85% B
Price / Cash Flow Ratio 15.74 34% F 26% F
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 13.02% 72% C- 77% C+
Return on Invested Capital 6.98% 58% F 72% C-
Return on Assets 1.28% 63% D 57% F
Debt to Equity Ratio 7.56% 85% B 74% C
Technical Ratios  
Short Ratio 3.71 51% F 45% F
Short Percent 0.70% 63% D 81% B-
Beta 0.87 58% F 69% 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 Ratings

Target Price Action Rating Action Analyst Rating Price Date

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User / Independent Analyst Ratings

User Name Target Rating Target Horizon (Months) Target Price User Analysis Date Comment

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:
Underpriced compared to earnings

The stock is trading low compared to its peers on a price to earning basis and is in the top quartile. It may be underpriced but do check its financial performance to make sure there is no specific reason.

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 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.