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

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Business First Bancshares, Inc.

CrossFirst Bankshares, Inc.

Heritage Commerce Corp.

MetroCity Bankshares, Inc.

Univest Financial Corp.

Hanmi Financial Corp.

Mercantile Bank Corp.

Amalgamated Financial Corp.

Capital City Bank Group, Inc.

First Community Bancshares, Inc. (Virginia)

Cantaloupe, Inc.

Why is Business First Bancshares, Inc. ?

High Profitability with a Net Interest Margin of 17.45%

Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 21.80%

With a growth in Interest of NAN%, the company declared Very Positive results in Dec 25

NII(Q) Highest at USD 70.86 MM
OPERATING PROFIT(Q) Highest at USD 29.53 MM
OPERATING PROFIT MARGIN(Q) Highest at 25.07 %

With ROA of 0.71%, it has a fair valuation with a 0.81 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 10.48%, its profits have risen by 14.8%

High Institutional Holdings at 55.76%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 1.08% over the previous quarter.

Underperformed the market in the last 1 year

The stock has generated a return of 10.48% in the last 1 year, much lower than market (S&P 500) returns of 20.78%

Real-Time Research Report

Verdict Report

How much should you hold?

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?

Low Risk, High Return

Absolute

Risk Adjusted

Volatility

Business First Bancshares, Inc.

10.48%

1.08

28.75%

S&P 500

20.78%

1.08

19.33%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

25.43%

EBIT Growth (5y)

22.30%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

20.43%

Pledged Shares

Institutional Holding

55.76%

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

0.81

EV to EBIT

8.42

EV to EBITDA

7.67

EV to Capital Employed

0.82

EV to Sales

1.61

PEG Ratio

Dividend Yield

1.58%

ROCE (Latest)

9.72%

ROE (Latest)

9.10%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Bearish

Mildly Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Dow Theory

Mildly Bearish

OBV

Mildly Bearish

Bullish

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

12What is working for the Company

NII(Q)

Highest at USD 70.86 MM

OPERATING PROFIT(Q)

Highest at USD 29.53 MM

OPERATING PROFIT MARGIN(Q)

Highest at 25.07 %

NET PROFIT(Q)

Highest at USD 23.38 MM

CASH AND EQV(HY)

Highest at USD 810.26 MM

DIVIDEND PER SHARE(HY)

Highest at USD 0

-2What is not working for the Company

GROSS NPA (%)

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

NII

Highest at USD 70.86 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 Profit

Highest at USD 29.53 MM and Grown

In each period in the last five periods

MOJO Watch

Near term Operating Profit trend is quite positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 25.07 % and Grown

In each period in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Net Profit

Highest at USD 23.38 MM and Grown

In each period in the last five periods

MOJO Watch

Near term Net Profit trend is very positive

Net Profit (USD MM)

Cash and Eqv

Highest at USD 810.26 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents

Dividend per share

Highest at USD 0

in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

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

Non Performing Loans (%)

Highest at 1.24%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)