Business First Bancshares Inc

Financial Services US BFST

23.6USD
-0.47(1.95%)

Last update at 2025-06-13T16:39:00Z

Day Range

23.2523.96
LowHigh

52 Week Range

13.9825.23
LowHigh

Fundamentals

  • Previous Close 24.07
  • Market Cap536.21M
  • Volume22762
  • P/E Ratio8.28
  • Dividend Yield2.67%
  • Revenue TTM249.10M
  • Revenue Per Share TTM9.92
  • Gross Profit TTM 218.00M
  • Diluted EPS TTM2.54

Source: TradingView
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Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Type yearly yearly yearly yearly yearly
Date 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Income before tax 90.59M 68.59M 64.56M 36.78M 29.85M
Minority interest - - - - -
Net income 71.04M 54.26M 52.14M 29.99M 23.77M
Selling general administrative 93.72M 89.05M 79.42M 57.39M 35.13M
Selling and marketing expenses 4.63M 3.95M 2.71M 1.60M 1.53M
Gross profit 386.89M 227.54M 186.56M 149.21M 90.91M
Reconciled depreciation 4.72M 6.85M 5.79M 3.16M 1.59M
Ebit 0.00000M 103.09M 64.56M 36.78M 29.85M
Ebitda 6.77M 109.95M 70.35M 39.95M 31.44M
Depreciation and amortization 6.77M 6.85M 5.79M 3.16M 1.59M
Non operating income net other - - - - -
Operating income 90.82M 103.09M 64.56M 36.78M 29.85M
Other operating expenses 299.15M 124.45M 122.00M 112.43M 61.05M
Interest expense 31.29M 36.54M 16.55M 22.11M 23.27M
Tax provision 20.00M 14.34M 12.42M 6.79M 6.08M
Interest income 333.17M 236.11M 170.44M 149.75M 103.47M
Net interest income 217.43M 199.58M 153.88M 127.65M 80.20M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 19.54M 14.34M 12.42M 6.79M 6.08M
Total revenue 385.63M 227.54M 186.56M 149.21M 90.91M
Total operating expenses 48.51M -124.44600M -122.00100M -112.42800M -61.05400M
Cost of revenue -1.25900M - - - -
Total other income expense net 90.59M -34.50200M 64.56M 36.78M 29.85M
Discontinued operations - - - - -
Net income from continuing ops 73.19M 54.26M 52.14M 29.99M 23.77M
Net income applicable to common shares - 52.91M 52.14M 29.99M 23.77M
Preferred stock and other adjustments - 1.35M - - -
Breakdown 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Type yearly yearly yearly yearly yearly
Date 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Total assets 6595.92M 5990.46M 4726.38M 4160.36M 2273.84M
Intangible assets 11.89M 14.04M 12.20M 9.73M 6.69M
Earning assets - - - - 384.70M
Other current assets 408.85M 3688.34M 2449.41M 2571.24M 1523.02M
Total liab 5951.66M 5409.98M 4293.01M 3750.40M 1988.74M
Total stockholder equity 644.26M 580.48M 433.37M 409.96M 285.10M
Deferred long term liab - - - - -
Other current liab 4766.03M -2.10100M -1.37400M -7.51900M -1.53300M
Common stock 25.35M 25.11M 20.40M 20.62M 13.28M
Capital stock 97.28M 97.04M 20.40M 20.62M 13.28M
Retained earnings 216.12M 163.96M 121.87M 79.17M 56.70M
Other liab - 9.76M 26.78M 25.23M 5.96M
Good will 88.39M 88.54M 59.89M 53.86M 48.49M
Other assets - 3827.32M 2449.41M 2571.24M 1523.02M
Cash 226.11M 152.74M 68.38M 149.13M 89.37M
Cash and equivalents - - - - -
Total current liabilities 5089.34M 2.10M 1.37M 7.52M 1.53M
Current deferred revenue -14.84100M - - - -
Net debt 430.13M 373.12M 100.09M -64.96600M 28.63M
Short term debt 323.31M 0.00900M 0.02M 5.02M 10.00M
Short long term debt - 0.00900M 0.02M 5.02M 10.00M
Short long term debt total 656.24M 525.86M 168.47M 84.17M 118.00M
Other stockholder equity 397.45M 393.69M 292.27M 299.54M 212.50M
Property plant equipment - 63.18M 58.16M 58.59M 29.28M
Total current assets 408.85M 1069.16M 1109.03M 813.63M 375.59M
Long term investments 913.51M 928.22M 1037.68M 3610.91M 290.76M
Net tangible assets - 405.97M 361.27M 346.37M 229.91M
Short term investments 879.57M 890.75M 1021.06M 640.61M 278.19M
Net receivables 29.92M 25.67M 19.60M 23.89M 8.03M
Long term debt 616.19M 525.85M 168.45M 31.00M 118.00M
Inventory -4756.17700M 1.43M 2.10M 9.45M 4.04M
Accounts payable 14.84M 2.09M 1.35M 2.50M 1.53M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -66.58500M -74.20400M -1.17700M 10.63M 2.61M
Additional paid in capital - - - - -
Common stock total equity - 25.11M 20.40M 20.62M 13.28M
Preferred stock total equity - 71.93M - - -
Retained earnings total equity - 163.96M 121.87M 79.17M 56.70M
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other 5943.84M -1093.98000M -1167.93200M -775.48700M -375.22700M
Deferred long term asset charges - - - - -
Non current assets total 6187.07M 1093.98M 1167.93M 775.49M 375.23M
Capital lease obligations - - - - -
Long term debt total - 110.75M 81.43M 31.00M 25.00M
Breakdown 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Type yearly yearly yearly yearly yearly
Date 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Investments -660.21300M -945.44400M -743.07300M -665.21000M -213.16700M
Change to liabilities - 0.37M 0.39M 1.56M -1.38800M
Total cashflows from investing activities - -700.52100M -675.35400M -475.29500M -192.29000M
Net borrowings - 15.13M 38.80M -49.19500M 55.76M
Total cash from financing activities 502.08M 715.31M 538.15M 505.72M 161.17M
Change to operating activities - 6.44M -3.10700M -1.09100M -1.70600M
Net income 71.04M 54.26M 52.14M 29.99M 23.77M
Change in cash 73.37M 84.36M -80.75600M 59.76M -6.70100M
Begin period cash flow 152.74M 68.38M 149.13M 89.37M 96.07M
End period cash flow 226.11M 152.74M 68.38M 149.13M 89.37M
Total cash from operating activities 92.43M 69.58M 56.44M 29.34M 24.42M
Issuance of capital stock 47.98M 120.42M 3.56M 3.36M 0.82M
Depreciation 6.77M 4.82M 4.16M 3.16M 1.59M
Other cashflows from investing activities - 252.70M 71.69M 192.88M 24.84M
Dividends paid 18.06M 12.17M 9.44M 7.52M 5.05M
Change to inventory - - - - -
Change to account receivables -4.25000M -3.46600M 4.30M -10.64800M 0.20M
Sale purchase of stock 0.00000M 120.42M -10.92300M -5.79900M -2.55300M
Other cashflows from financing activities 596.96M 679.00M 565.95M 606.67M 167.96M
Change to netincome - 9.47M -0.94600M 10.07M 3.21M
Capital expenditures 13.92M 7.78M 3.97M 2.97M 3.96M
Change receivables - -3.46600M 4.30M -10.64800M 0.20M
Cash flows other operating - -1.87400M -10.62200M -9.93800M -4.64800M
Exchange rate changes - - - - -
Cash and cash equivalents changes - 84.36M -80.75600M 59.76M -6.70100M
Change in working capital 18.26M 2.98M 1.19M -11.73900M -1.50800M
Stock based compensation 4.00M 3.70M 2.86M 2.45M 1.09M
Other non cash items -5.58900M 5.20M -4.49400M 5.53M -0.86300M
Free cash flow 78.51M 61.80M 52.47M 26.37M 20.46M

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x)
BFST
Business First Bancshares Inc
-0.47 1.95% 23.60 8.28 8.16 2.11 0.91
HDB
HDFC Bank Limited ADR
-1.95 2.57% 73.93 20.81 20.96 0.11 4.77
CIHKY
China Merchants Bank Co Ltd
-0.32 0.96% 32.98 6.61 5.68 0.48 0.77 3.43
CIHHF
China Merchants Bank Co Ltd Class H
- -% 6.50 6.10 5.67 0.44 0.77 3.43
IBN
ICICI Bank Limited
-0.405 1.21% 33.09 17.79 16.95 0.07 3.08

Reports Covered

Stock Research & News

Profile

Business First Bancshares, Inc. operates as the bank holding company for b1BANK that provides various banking products and services in Louisiana and Texas. It offers various deposit products and services, including checking, demand, money market, time, and savings accounts; and certificates of deposits, remote deposit capture, and direct deposit services. The company also provides commercial and industrial loans, such as working capital, term, equipment financing, asset acquisition, expansion and development, borrowing base, and other loan products, as well as commercial lines of credit, accounts receivable factoring, agricultural financing, and letters of credit; 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, as well as other fiduciary and private banking products and services. Further, the company provides a range of other financial services comprising debit and credit cards, treasury and cash management, merchant, automated clearing house, lock-box, receivables factoring, correspondent banking, and other treasury services, as well as employee and payroll benefits solutions; and drive-through banking facilities, automated teller machines, night depository, personalized checks, electronic funds transfer, domestic and foreign wire transfer, traveler's checks, vault, loan and deposit sweep accounts, online and mobile banking, e-statements, and bank-by-mail services. Business First Bancshares, Inc. was founded in 2006 and is headquartered in Baton Rouge, Louisiana.

Business First Bancshares Inc

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

Key Executives

Name Title Year Born
Mr. David R. Melville III Pres, CEO & Director 1975
Mr. Gregory Robertson CFO & Treasurer 1972
Mr. Keith Mansfield Exec. VP & COO of b1 Bank 1977
Mr. Norman Jerome Vascocu Jr. Chief Admin. Officer 1949
Mr. Matthew Michael Sealy Sr. VP and Director of Corp. Strategy & FP&A NA
Rodney Poncho Seaford Regional Pres of SWLA NA
Ms. Saundra Strong Corp. Sec. 1978
Whitney Dees Assistant Sec. NA
Mr. David R. Melville III Acting Chairman, President & CEO 1975
Mr. Gregory Robertson Executive VP, CFO & Treasurer 1972

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