Upturn unsubscribed user
$1.14/ day, billed weekly
Cancel anytime
(Ad-Free, Unlimited access)​
NO CREDIT CARD REQUIRED
BFST
Upturn stock ratingUpturn stock rating

Business First Bancshares Inc (BFST)

Upturn stock ratingUpturn stock rating
$24.67
Last Close (24-hour delay)
Profit since last BUY0.12%
upturn advisory
WEAK BUY
BUY since 31 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
  • MONTH
  • WEEK

Upturn Advisory Summary

06/27/2025: BFST (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

5 Analysts rated it

Moderately tracked stock, growing coverage, gaining market and investor attention.

1 Year Target Price $29.9

1 Year Target Price $29.9

Analysts Price Target For last 52 week
$29.9Target price
Low$19.96
Current$24.67
high$29.83

Analysis of Past Performance

Type Stock
Historic Profit -0.21%
Avg. Invested days 35
Today’s Advisory WEAK BUY
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 3.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/27/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 731.98M USD
Price to earnings Ratio 10.14
1Y Target Price 29.9
Price to earnings Ratio 10.14
1Y Target Price 29.9
Volume (30-day avg) 5
Beta 0.8
52 Weeks Range 19.96 - 29.83
Updated Date 06/30/2025
52 Weeks Range 19.96 - 29.83
Updated Date 06/30/2025
Dividends yield (FY) 2.26%
Basic EPS (TTM) 2.43

Earnings Date

Report Date -
When -
Estimate -
Actual -

Profitability

Profit Margin 26.05%
Operating Margin (TTM) 34.14%

Management Effectiveness

Return on Assets (TTM) 1%
Return on Equity (TTM) 9.77%

Valuation

Trailing PE 10.14
Forward PE 9.68
Enterprise Value 786906432
Price to Sales(TTM) 2.65
Enterprise Value 786906432
Price to Sales(TTM) 2.65
Enterprise Value to Revenue 4.06
Enterprise Value to EBITDA -
Shares Outstanding 29695000
Shares Floating 28136593
Shares Outstanding 29695000
Shares Floating 28136593
Percent Insiders 4.7
Percent Institutions 49.29

Analyst Ratings

Rating 3
Target Price 29.9
Buy 1
Strong Buy 4
Buy 1
Strong Buy 4
Hold -
Sell -
Strong Sell -
Strong Sell -

ai summary icon Upturn AI SWOT

Business First Bancshares Inc

stock logo

Company Overview

overview logo History and Background

Business First Bancshares, Inc. was founded in 2006 and is headquartered in Baton Rouge, Louisiana. It began as a community bank focused on serving small to medium-sized businesses and has grown through organic expansion and strategic acquisitions.

business area logo Core Business Areas

  • Commercial Banking: Offers a range of commercial lending products, including term loans, lines of credit, and commercial real estate financing.
  • Retail Banking: Provides deposit accounts, consumer loans, and other retail banking services to individuals and families.
  • Wealth Management: Offers wealth management and trust services through its subsidiaries.

leadership logo Leadership and Structure

The company is led by Jude Melville, President and CEO. The organizational structure includes various departments overseeing commercial lending, retail banking, operations, and wealth management, all reporting to the executive team.

Top Products and Market Share

overview logo Key Offerings

  • Commercial Loans: Commercial loans are a primary offering, serving small and medium-sized businesses. Market share data is not readily available for specific loan types, but Business First Bancshares competes with larger national and regional banks. Competitors: Hancock Whitney Corporation (HWC), IBERIABANK (now part of First Horizon), and local credit unions.
  • Deposit Accounts: Offers various deposit accounts including checking, savings, and money market accounts. Market share data is not available. Competitors: Chase, Bank of America, and regional banks.

Market Dynamics

industry overview logo Industry Overview

The banking industry is currently navigating a complex environment, including rising interest rates, increased regulatory scrutiny, and competition from fintech companies. Regional banks are focused on maintaining capital ratios and managing credit risk.

Positioning

Business First Bancshares positions itself as a relationship-focused community bank with a strong understanding of the Louisiana market. Its competitive advantage lies in personalized service and local expertise.

Total Addressable Market (TAM)

The TAM for banking services in the Louisiana market is significant, estimated in the billions of dollars. Business First Bancshares is positioned to capture a portion of this market through its community-focused approach and strategic acquisitions.

Upturn SWOT Analysis

Strengths

  • Strong local market knowledge
  • Experienced management team
  • Relationship-focused banking model
  • Solid capital base

Weaknesses

  • Limited geographic diversification
  • Smaller scale compared to national banks
  • Dependence on the Louisiana economy
  • Relatively small market capitalization

Opportunities

  • Further expansion within Louisiana and adjacent states
  • Increased demand for community banking services
  • Potential acquisitions of smaller banks
  • Growth in wealth management services

Threats

  • Rising interest rates
  • Increased competition from larger banks and fintech companies
  • Economic downturn in Louisiana
  • Regulatory changes

Competitors and Market Share

competitor logo Key Competitors

  • HWC
  • FHN
  • CADE

Competitive Landscape

Business First Bancshares faces competition from larger regional and national banks, as well as smaller community banks and credit unions. Its advantages include local expertise and personalized service, while its disadvantages include limited scale and geographic diversification.

Major Acquisitions

American National Bank of Louisiana

  • Year: 2021
  • Acquisition Price (USD millions): 30.6
  • Strategic Rationale: Expanded presence in key Louisiana markets and increased deposit base.

Growth Trajectory and Initiatives

Historical Growth: Historical growth has been driven by organic expansion and acquisitions, primarily within the Louisiana market.

Future Projections: Analyst projections vary, but generally anticipate continued growth in revenue and earnings, driven by loan growth and expansion into new markets.

Recent Initiatives: Recent initiatives include expanding its footprint through branch openings and acquisitions of smaller banks in strategic markets.

Summary

Business First Bancshares appears to be a stable community bank with a strong focus on the Louisiana market. Its growth strategy through strategic acquisitions and organic expansion seems effective. However, it needs to be mindful of the increasing competition and the economic conditions in Louisiana.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • SEC Filings (10-K, 10-Q)
  • Company Website
  • Financial News Sources
  • Analyst Reports

Disclaimers:

This analysis is for informational purposes only and should not be considered financial advice. Market data and analyst estimates are subject to change.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.

About Business First Bancshares Inc

Exchange NASDAQ
Headquaters Baton Rouge, LA, United States
IPO Launch date 2018-04-09
Chairman, President & CEO Mr. David R. Melville III
Sector Financial Services
Industry Banks - Regional
Full time employees 849
Full time employees 849

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, interest-rate swaps, small business administration products, 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.