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BFST

BULLISH
$28.26 Live
Business First Bancshares, Inc. · NASDAQ
Target $32.6 (+15.4%)
$22.52 52W Range $30.32
Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 27, 2026
Market cap
$923.88M
P/E
10.13
ROE
10.4%
Profit margin
28.1%
Debt/Equity
N/A
Dividend yield
2.05%

AI Analysis

AI-powered fundamental assessment

Confidence
85%
BFST presents a compelling value opportunity, trading significantly below its Graham Number ($41.89) and Intrinsic Value ($82.31). While the Piotroski F-Score of 4/9 indicates stable but not exceptional financial health, the company demonstrates exceptional earnings quality with a consistent track record of beating estimates over 25 quarters. Strong YoY earnings growth of 37.6% and a Price-to-Book ratio of 1.01 suggest the market is severely underpricing the bank's assets and growth trajectory. The primary headwinds are technical bearishness and insider selling, which contrast sharply with the strong fundamental data.

Key Strengths

Deeply undervalued relative to Graham Number ($41.89) and Intrinsic Value ($82.31)
Exceptional earnings track record with consistent beats over 25 quarters
Strong growth profile with 37.6% YoY earnings growth
Attractive valuation multiples (P/E 10.13, P/B 1.01)
Sustainable dividend profile with a low payout ratio of 20.43%

Key Risks

Bearish insider sentiment with $1.54M in sales and zero buys
Technical trend is currently 0/100 (Bearish)
Piotroski F-Score of 4/9 suggests only 'stable' health rather than 'strong'
Exposure to regional banking sector volatility
Low dividend yield (2.05%) compared to some regional peers
AI Fair Value Estimate
Based on comprehensive analysis
$45.5
+61.0% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
77
Strong
Value
95
Future
85
Past
90
Health
55
Dividend
60
AI Verdict
Strong Value Play
Key drivers: Significant discount to intrinsic value, Consistent earnings surprises, Strong ROA for a regional bank
Confidence
80%
Value
95/100

Trading at a steep discount to both defensive (Graham) and growth-based intrinsic values.

Positives
  • P/B of 1.01
  • P/E of 10.13
  • Price well below Graham Number
Watchpoints
No urgent risks highlighted.
Future
85/100

Strong growth metrics and a history of exceeding analyst expectations.

Positives
  • 37.6% YoY Earnings Growth
  • 12.9% Revenue Growth
  • Positive forward P/E compression
Watchpoints
No urgent risks highlighted.
Past
90/100

Highly reliable historical earnings performance.

Positives
  • 25-quarter track record of beats
  • Consistent EPS progression
  • Positive 1Y, 3Y, and 5Y price changes
Watchpoints
No urgent risks highlighted.
Health
55/100

Financial health is stable but lacks the 'strong' markers required for a higher score.

Positives
  • ROA of 1.09% is healthy for the industry
  • Stable Piotroski score
Watchpoints
  • Piotroski F-Score is only 4/9
  • Lack of Altman Z-Score data
Dividend
60/100

Dividend is safe and has high growth potential, though current yield is modest.

Positives
  • Very low payout ratio (20.43%)
  • Consistent dividend rate
Watchpoints
  • Low yield (2.05%)

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$28.26
Analyst Target
$32.6
Upside/Downside
+15.4%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for BFST and closest competitors.

Updated 2026-04-24
BFS
Business First Bancshares, Inc.
Primary
5Y
+34.8%
3Y
+98.0%
1Y
+22.3%
6M
+14.3%
1M
+5.5%
1W
-2.5%
MBW
Mercantile Bank Corporation
Peer
5Y
+101.4%
3Y
+106.2%
1Y
+36.6%
6M
+21.2%
1M
+9.5%
1W
-0.1%
HRT
Heritage Insurance Holdings, Inc.
Peer
5Y
+230.6%
3Y
+825.7%
1Y
+58.3%
6M
+27.1%
1M
+15.8%
1W
+9.5%
ASI
Ategrity Specialty Insurance Company Holdings
Peer
5Y
-21.6%
3Y
-21.6%
1Y
-21.6%
6M
-5.8%
1M
+13.2%
1W
-2.0%
AWF
AllianceBernstein Global High Income Fund
Peer
5Y
+32.4%
3Y
+32.7%
1Y
+5.2%
6M
-0.2%
1M
-1.0%
1W
+0.7%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
10.13
Forward P/E
8.61
PEG Ratio
N/A
P/B Ratio
1.01
P/S Ratio
2.95
EV/Revenue
3.09
EV/EBITDA
N/A
Market Cap
$923.88M

Profitability

Profit margins and return metrics

Profit Margin 28.09%
Operating Margin 36.23%
Gross Margin N/A
ROE 10.36%
ROA 1.09%

Growth

Revenue and earnings growth rates

Revenue Growth +12.9%
Earnings Growth +37.6%
Q/Q Revenue Growth +7.01%
Q/Q Earnings Growth +35.6%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$18.62

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$0.1B
Net Margin
27.0%
Total Assets
$8.2B
Liabilities
$7.3B
Equity
$0.9B
Debt/Equity
8.16x
Operating CF
$0.0B
Free Cash Flow
$0.0B
FCF Yield
110%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-04-27
$N/A
2026-01-22
$0.79
+11.6% surprise
2025-10-23
$0.72
+7.9% surprise
2025-07-28
$0.66
+2.8% surprise

Financial Services Sector Comparison

Comparing BFST against 820 companies in the Financial Services sector (141 bullish, 351 neutral, 328 bearish)
P/E Ratio
10.13
This Stock
vs
36.01
Sector Avg
-71.9% (Discount)
Return on Equity (ROE)
10.36%
This Stock
vs
-0.73%
Sector Avg
-1513.7% (Below Avg)
Profit Margin
28.09%
This Stock
vs
91.62%
Sector Avg
-69.3% (Weaker)
Revenue Growth
12.9%
This Stock
vs
35.27%
Sector Avg
-63.4% (Slower)

Similar Companies

Peer comparison within the same industry

BFST Business First...
BULLISH
Mkt Cap
$924M
P/E
10.1
ROE
10.4%
Price
$28.26
MBWM Mercantile...
NEUTRAL
Mkt Cap
$920M
P/E
9.8
ROE
13.6%
Price
$53.26
 Compare with BFST
HRTG Heritage...
NEUTRAL
Mkt Cap
$919M
P/E
4.7
ROE
49.1%
Price
$29.9
 Compare with BFST
ASIC Ategrity...
NEUTRAL
Mkt Cap
$931M
P/E
12.3
ROE
15.0%
Price
$19.36
 Compare with BFST
AWF AllianceBernste...
NEUTRAL
Mkt Cap
$914M
P/E
12.5
ROE
7.4%
Price
$10.6
 Compare with BFST

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

CUMMINGS GEORGE W. III
Director
Sell
2026-03-04
11,000 shares · $303,600
CUMMINGS GEORGE W. III
Director
Sell
2026-03-03
10,000 shares · $274,276
MCDONALD WARREN F III
Officer
Stock Award
2026-02-27
1,337 shares
STRONG SAUNDRA
General Counsel
Stock Award
2026-02-27
1,338 shares
MANNING KATHRYN
Officer
Stock Award
2026-02-27
1,239 shares
VASCOCU NORMAN JEROME JR.
Officer
Stock Award
2026-02-27
2,655 shares
CARTER DONALD CHAD
Officer
Stock Award
2026-02-27
1,337 shares
ROEMER HEATHER G
Officer
Stock Award
2026-02-27
1,141 shares
MANSFIELD KEITH
Officer
Stock Award
2026-02-27
1,926 shares
ROBERTSON GREGORY C
Chief Financial Officer
Stock Award
2026-02-27
1,926 shares
MELVILLE DAVID R III
Chief Executive Officer
Stock Award
2026-02-27
5,376 shares
JORDAN PHILIP
Officer
Stock Award
2026-02-27
1,926 shares
CUMMINGS GEORGE W. III
Director
Sell
2026-02-25
20,000 shares · $560,000
FOLSE MARK P
Director
Sell
2026-02-10
10,000 shares · $296,335
MCCOLLISTER ROLFE H JR
Director
Buy
2026-02-10
120 shares · $3,547
Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

DEF 14A
FORM DEF 14A
2026-04-08

BFST filed a definitive proxy statement on April 8, 2026, providing shareholders with necessary information to vote on corporate matters at the upcoming annual meeting.

8-K
FORM 8-K
2026-04-02

BFST filed an 8-K on April 2, 2026, likely to announce its quarterly financial results.

10-K
10-K
2026-02-26

BFST filed its 10-K annual report on February 26, 2026, which includes sections on business operations, risk factors, and management's discussion and analysis. Specific financial highlights and risk details were not provided in the available excerpts.

8-K
FORM 8-K
2026-02-24

BFST likely filed this 8-K to announce its quarterly financial results.

8-K/A
8-K
2026-01-23

BFST filed an amendment to a previously submitted Form 8-K on January 23, 2026.

8-K
8-K
2026-01-22
8-K
FORM 8-K
2026-01-05
8-K
FORM 8-K
2025-11-04
10-Q
10-Q
2025-10-30
8-K
FORM 8-K
2025-10-28
8-K
8-K
2025-10-23
10-Q
10-Q
2025-08-05
8-K
8-K
2025-07-28
8-K
FORM 8-K
2025-07-07
8-K
FORM 8-K
2025-05-27
Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus
NONE
5 analysts
DA Davidson
2026-01-26
Maintains
Buy Buy
Stephens & Co.
2026-01-23
Maintains
Overweight Overweight
Raymond James
2026-01-07
Maintains
Outperform Outperform

Past News Coverage

Recent headlines mentioning BFST from our newsroom.

Newest → oldest
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