Business First Bancshares, Inc. (BFST) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

Heritage Commerce Corp.

Business First Bancshares, Inc.

Mercantile Bank Corp.

Hanmi Financial Corp.

Univest Financial Corp.

MetroCity Bankshares, Inc.

CrossFirst Bankshares, Inc.

Amalgamated Financial Corp.

Capital City Bank Group, Inc.

Cantaloupe, Inc.

First Community Bancshares, Inc. (Virginia)

Why is Business First Bancshares, Inc. ?

High Profitability with a Net Interest Margin of 24.54%

Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 30.43%

Positive results in Jun 25

NII(Q) Highest at USD 67.04 MM
OPERATING CASH FLOW(Y) Highest at USD 81.48 MM
CASH AND EQV(HY) Highest at USD 808.65 MM

With ROA of 0.70%, it has a fair valuation with a 0.85 Price to Book Value

The stock is trading at a discount compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of -8.57%, its profits have risen by 5.3%

High Institutional Holdings at 51.17%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 1.77% over the previous quarter.

Real-Time Research Report

Verdict Report

How much should you buy?

Overall Portfolio exposure to Business First Bancshares, Inc. should be less than 10%
Overall Portfolio exposure to Regional Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Business First Bancshares, Inc. for you?

Medium Risk, High Return

Absolute

Risk Adjusted

Volatility

Business First Bancshares, Inc.

-4.17%

0.99

30.80%

S&P 500

13.22%

0.61

20.17%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

31.02%

EBIT Growth (5y)

33.13%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

24.81%

Pledged Shares

Institutional Holding

51.17%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.85

EV to EBIT

8.14

EV to EBITDA

7.42

EV to Capital Employed

0.85

EV to Sales

1.55

PEG Ratio

Dividend Yield

1.55%

ROCE (Latest)

10.40%

ROE (Latest)

8.77%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

Mildly Bearish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Mildly Bearish (Daily)

KST

Bullish

Mildly Bearish

Dow Theory

Mildly Bullish

OBV

No Trend

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

11What is working for the Company

NII(Q)

Highest at USD 67.04 MM

OPERATING CASH FLOW(Y)

Highest at USD 81.48 MM

CASH AND EQV(HY)

Highest at USD 808.65 MM

OPERATING PROFIT(Q)

Highest at USD 25.17 MM

PRE-TAX PROFIT(Q)

Highest at USD 28.24 MM

NET PROFIT(Q)

Highest at USD 22.27 MM

EPS(Q)

Highest at USD 0.7

-2What is not working for the Company

GROSS NPA (%)

Here's what is working for Business First Bancshares, Inc.

NII

Highest at USD 67.04 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Operating Cash Flow

Highest at USD 81.48 MM

in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Operating Profit

Highest at USD 25.17 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Pre-Tax Profit

Highest at USD 28.24 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 22.27 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 0.7

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Cash and Eqv

Highest at USD 808.65 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents

CASA

Highest at 10.99%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.

CAR (%)

Here's what is not working for Business First Bancshares, Inc.

Non Performing Loans (%)

Highest at 0.97%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

Non Operating Income

Highest at USD 0.11 MM

in the last five periods

MOJO Watch

Increased income from non business activities may not be sustainable

Non Operating income