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Home CompaniesBusiness First Bancshares Inc

Business First Bancshares Inc

Financial Services Banks - Regional
PortfolioPortfolio WatchlistWatchlist
Company price
32.78 USD 0.58 ( 1.80%)
Last update at 2026-11-09T18:05:00Z
VOLUME
32906
Market Cap
926.69M
P/E
10.42

Momentum Score

…

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 and savings, time, and money market 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 incorporated in 2006 and is headquartered in Baton Rouge, Louisiana.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
32.48
Low
32.81
High
52 Week Price Range
21.75
Low
30.16
High

Momentum Score

…
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Business First Bancshares Inc. is the holding company for Business First Bank, a regional commercial bank headquartered in Cincinnati that provides lending, deposit and treasury services to small- and mid-sized businesses and individual customers. Long-term growth drivers include expansion of the commercial loan portfolio, potential benefits to net interest income from favorable rate environments, and selective franchise growth or acquisitions that could support loan and deposit balances. Investors may find the company attractive for its relationship-focused commercial lending model and local market exposure.

Key investment risks include sensitivity to interest-rate and net interest margin volatility, concentration and credit losses in commercial lending or commercial real estate, competition for deposits and loans, and regulatory or economic weakness in its regional markets.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
32.20
Dividend Yield
2.00%
Revenue TTM
312.76M
Revenue Per Share
10.64
Gross Profit TTM
312.76M
Debt / Equity
0.61
ROE
10.36%
Net Debt
140.18M
ROCE
9.20%
Diluted EPS TTM
2.72

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 110.31M 83.05M 90.59M 68.59M 64.56M
Net income 87.86M 65.11M 71.04M 54.26M 52.14M
Selling general administrative 127.25M 107.03M 93.72M 89.05M 79.42M
Selling and marketing expenses 3.58M 4.88M 4.63M 3.95M 2.71M
Gross profit 311.86M 259.50M 386.89M 227.54M 186.56M
Reconciled depreciation 5.68M 5.26M 4.72M 6.85M 5.79M
Ebit 113.41M 83.05M 0.00M 103.09M 64.56M
Ebitda 119.09M 88.31M 6.77M 109.95M 70.35M
Depreciation and amortization 5.68M 5.26M 6.77M 6.85M 5.79M
Operating income 113.41M 83.09M 90.82M 103.09M 64.56M
Other operating expenses 398.52M 374.70M 299.15M 124.45M 122.00M
Interest expense 191.85M 187.38M 31.29M 36.54M 16.55M
Tax provision 22.45M 17.94M 20.00M 14.34M 12.42M
Interest income 465.01M 414.76M 333.17M 236.11M 170.44M
Net interest income 273.16M 227.38M 217.43M 199.58M 153.88M
Income tax expense 22.45M 17.94M 19.54M 14.34M 12.42M
Total revenue 511.93M 457.75M 385.63M 227.54M 186.56M
Total operating expenses 198.45M 176.44M 48.51M -124.45M -122.00M
Cost of revenue 200.07M 198.25M -1.26M - -
Total other income expense net -3.10M -0.04M 90.59M -34.50M 64.56M
Net income from continuing ops 87.86M 65.11M 73.19M 54.26M 52.14M
Net income applicable to common shares - - - 52.91M 52.14M
Preferred stock and other adjustments - - - 1.35M -
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 8214.74M 7857.09M 6595.92M 5990.46M 4726.38M
Intangible assets 14.50M 17.25M 11.89M 14.04M 12.20M
Other current assets - - 408.85M 3688.34M 2449.41M
Total liab 7317.86M 7057.62M 5951.66M 5409.98M 4293.01M
Total stockholder equity 896.88M 799.47M 644.26M 580.48M 433.37M
Other current liab 6698.59M 6511.33M 4766.03M -2.10M -1.37M
Common stock 29.51M 29.55M 25.35M 25.11M 20.40M
Capital stock 101.44M 101.48M 97.28M 97.04M 20.40M
Retained earnings 326.57M 260.96M 216.12M 163.96M 121.87M
Other liab - - - 9.76M 26.78M
Good will 121.15M 121.57M 88.39M 88.54M 59.89M
Other assets 430.69M 461.24M - 3827.32M 2449.41M
Cash 411.18M 319.10M 226.11M 152.74M 68.38M
Total current liabilities 6981.58M 6539.92M 5089.34M 2.10M 1.37M
Current deferred revenue - - -14.84M - -
Net debt 140.18M 164.16M 430.13M 373.12M 100.09M
Short term debt 278.82M 22.62M 323.31M 0.01M 0.02M
Short long term debt 256.20M - - 0.01M 0.02M
Short long term debt total 551.35M 483.26M 656.24M 525.86M 168.47M
Other stockholder equity 502.15M 500.02M 397.45M 393.69M 292.27M
Property plant equipment - - - 63.18M 58.16M
Total current assets 1040.60M 383.63M 408.85M 1069.16M 1109.03M
Long term investments 640.27M 934.65M 913.51M 928.22M 1037.68M
Net tangible assets - - - 405.97M 361.27M
Short term investments 590.93M 28.66M 879.57M 890.75M 1021.06M
Net receivables 38.49M 35.87M 29.92M 25.67M 19.60M
Long term debt 272.53M 460.63M 616.19M 525.85M 168.45M
Inventory - - -4756.18M 1.43M 2.10M
Accounts payable 4.17M 5.97M 14.84M 2.09M 1.35M
Accumulated other comprehensive income -33.29M -63.00M -66.58M -74.20M -1.18M
Common stock total equity - - - 25.11M 20.40M
Preferred stock total equity - - - 71.93M -
Retained earnings total equity - - - 163.96M 121.87M
Non currrent assets other 758.07M 389.83M 5943.84M -1093.98M -1167.93M
Non current assets total 7174.14M 7473.46M 6187.07M 1093.98M 1167.93M
Long term debt total - - - 110.75M 81.43M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments -64.89M -294.91M -660.21M -945.44M -743.07M
Change to liabilities - - - 0.37M 0.39M
Total cashflows from investing activities -281.53M -294.91M - -700.52M -675.35M
Net borrowings 68.95M -177.51M - 15.13M 38.80M
Total cash from financing activities 281.52M 326.50M 502.08M 715.31M 538.15M
Change to operating activities - - - 6.44M -3.11M
Net income 87.86M 65.11M 71.04M 54.26M 52.14M
Change in cash 92.08M 92.99M 73.37M 84.36M -80.76M
Begin period cash flow 319.10M 226.11M 152.74M 68.38M 149.13M
End period cash flow 411.18M 319.10M 226.11M 152.74M 68.38M
Total cash from operating activities 92.08M 61.40M 92.43M 69.58M 56.44M
Issuance of capital stock - 0.00M 47.98M 120.42M 3.56M
Depreciation 5.68M 5.26M 6.77M 4.82M 4.16M
Other cashflows from investing activities -222.78M -391.29M - 252.70M 71.69M
Dividends paid 22.25M 20.26M 18.06M 12.17M 9.44M
Change to account receivables -2.64M -3.08M -4.25M -3.47M 4.30M
Sale purchase of stock -3.73M -0.03M 0.00M 120.42M -10.92M
Other cashflows from financing activities 238.54M 524.31M 596.96M 679.00M 565.95M
Change to netincome - - - 9.47M -0.95M
Capital expenditures 0.07M 1.56M 13.92M 7.78M 3.97M
Change receivables - - - -3.47M 4.30M
Cash flows other operating - - - -1.87M -10.62M
Cash and cash equivalents changes - - - 84.36M -80.76M
Change in working capital -8.57M -13.96M 18.26M 2.98M 1.19M
Stock based compensation 5.82M 3.00M 4.00M 3.70M 2.86M
Other non cash items 0.09M 2.96M -5.59M 5.20M -4.49M
Free cash flow 92.08M 59.84M 78.51M 61.80M 52.47M

Peer Comparison*

Sector: Financial Services Industry: Banks - Regional

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
BFST
Business First Bancshares Inc		 0.58
1.80%		 32.78 10.42 9.68 2.96 1.15 4.76
DBSDY
DBS Group Holdings Ltd ADR		 3.79
1.76%		 219.67 20.00 17.57 7.54 3.17 13.19
CIHHF
China Merchants Bank Co Ltd Class H		 0.03
0.45%		 6.69 7.70 7.10 0.55 0.83 3.51
CIHKY
China Merchants Bank Co Ltd		 -0.08
0.23%		 34.65 7.79 7.20 0.55 0.85 3.51
UNCFF
UniCredit SpA		 5.05
5.86%		 91.30 11.53 10.27 5.72 1.83 8.22

Profile*

Business First Bancshares Inc

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 and savings, time, and money market 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 incorporated in 2006 and is headquartered in Baton Rouge, Louisiana.

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

225 248 7600

https://www.b1bank.com

821

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

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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