NASDAQ
BFST
Last Price
US $30.18
KEY FIGURES
MKT CAP
$1.0B
EPS
TTM
$2.79
PEG
TTM
0.71x
P/E
TTM
10.82x
P/S
TTM
1.89x
YIELD
1.95%
GROWTH
Revenue Y/Y
Profit margin
Current Ratio
Capital Returns
10.06%
Return on equity
ROIC: 6.49%
Valuation History
10.7X
Price to Earnings
EV/EBITDA: 6.3X
Cash flow
Profit margin
24.85%
(FY vs FY)
EBITDA Y/Y
24.42%
(FY vs FY)
Cash flow Y/Y
28.42%
(FY vs FY)
Cash Flow (DCF)
Fair Value
Market $30.18
51.39%
Default assumptions
EBITDA Multiple
Fair Value
Market $30.18
-29.75%
Default assumptions
Base valuations use default assumptions. Customize in the Valuator.
Valuation
Financial
Performance
Financial risk - Cash flow 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.
Financial stability - Healthy 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
Financial stability - Healthy debt to equity ratio.
Business First Bancshares, Inc.'s debt to equity ratio is 0.39, which means that the company's assets are healthy financed, signaling financial stability. READ MORE: A ratio under 0.60 means the company finances its assets with own equity, signaling financial stability and good management.
Financial stability - Healthy debt to equity ratio development.
Business First Bancshares, Inc.'s debt has decreased relative to shareholder equity from 0.60 last year to 0.39 today, signaling strengthened financials
Financial stability - Net debt/EBITDA.
Business First Bancshares, Inc. has a net debt to EBITDA ratio of 1.18x, which is below the 3.00x threshold, indicating healthy leverage and financial stability
Financial stability - ICR.
Business First Bancshares, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.
Financial stability - Profit margin growth.
Business First Bancshares, Inc.'s profit margin has increased (22.84%) in the last year from 14.22% to 17.47%, signaling increasing performance
Financial risk - Short term assets vs short term liabilities.
Business First Bancshares, Inc.'s short-term liabilities of $6.98G exceed its short-term assets of $1.04G, signaling financial risk
Decreasing performance - ROA.
Business First Bancshares, Inc.'s return on assets of 1.02% is lower than the 5.00% threshold, indicating inefficient asset utilization
Decreasing performance - Absolute return on equity.
Business First Bancshares, Inc.'s return on equity of 10.06%, is lower than 15.00%, indicating bad performance
Increasing performance - Earnings quality.
Business First Bancshares, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation
Increasing performance - Earnings stability.
Business First Bancshares, Inc. had positive net income in 5.00 out of 5 years, indicating stable and consistent earnings
Increasing performance - Free cash flow.
Business First Bancshares, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures
Increasing performance - FCF yield.
Business First Bancshares, Inc. has a free cash flow yield of 9.34%, which is above the 2.00% threshold, indicating strong cash generation relative to market value
Increasing performance - Healthy 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
Increasing performance - Healthy 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
Increasing performance - ROIC.
ROIC 6.49% (Source: FMP key-metrics). In the 5–10% partial-credit band. Score: 1 of 2. This band sits within the typical US weighted-average cost of capital range. Methodology choice can change the conclusion: under FMP's invested-capital definition the company is at or near its cost of capital; under narrower operating-capital definitions the same company may score higher. Invested capital here includes equity, non-current liabilities, and short-term debt. Cash is not subtracted. See methodology.
Increasing performance - 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
Increasing performance - Revenue consistency.
Business First Bancshares, Inc. had revenue growth in 5.00 out of 5 years, indicating consistent revenue performance
Increasing performance - ROE consistency.
Business First Bancshares, Inc. had positive ROE in 5.00 out of 5 years, indicating consistent and reliable returns on equity
Undervalued - DCF valuation.
Business First Bancshares, Inc. is undervalued relative to its fair value price of 45.69 based on Discounted Cash Flow model
Undervalued - Earnings yield.
Business First Bancshares, Inc. has an earnings yield of 9.24%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
Overvalued - EBITDA valuation.
Business First Bancshares, Inc. is overvalued relative to its fair value price of 21.20 based on EBITDA multiple model
Undervalued - EV/EBITDA.
Business First Bancshares, Inc. has an EV/EBITDA ratio of 9.46x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings
Undervalued - PEG ratio value.
Business First Bancshares, Inc. has a PEG-ratio under 1 which is considered undervalued
Undervalued - P/B ratio.
Business First Bancshares, Inc. has a price-to-book ratio of 0.99x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Undervalued - P/S ratio.
Business First Bancshares, Inc. has a price-to-sales ratio of 1.89x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue