US · BFST
Business First Bancshares, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Baton Rouge, LA 70801
- Website
- b1bank.com
Price · as of 2025-12-31
$27.50
Market cap 808.5M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $55.29 | +101.05% |
| Intrinsic Value(DCF) | $13.17 | -52.11% |
| Graham-Dodd Method(GD) | $41.13 | +49.55% |
| Graham Formula(GF) | $57.75 | +109.98% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | |||||
| 2012 | |||||
| 2013 | $16.85 | $15.54 | |||
| 2014 | $17.68 | $2.82 | |||
| 2015 | $18.66 | $44.41 | |||
| 2016 | $16.84 | $17.88 | |||
| 2017 | $14.78 | $10.33 | |||
| 2018 | $20.49 | $62.47 | $120.98 | $20.84 | $67.00 |
| 2019 | $18.87 | $38.82 | $22.42 | $21.01 | $72.94 |
| 2020 | $21.64 | $54.19 | $802.89 | $21.64 | $92.05 |
| 2021 | $22.71 | $39.20 | $351.14 | $24.03 | $70.30 |
| 2022 | $16.71 | $35.92 | $135.73 | $25.65 | $88.28 |
| 2023 | $21.47 | $44.13 | $220.71 | $25.53 | $147.67 |
| 2024 | $24.47 | $33.12 | $214.98 | $26.64 | $64.76 |
| 2025 | $27.70 | $55.29 | $0.00 | $41.13 | $57.74 |
AI valuation
Our deep-learning model estimates Business First Bancshares, Inc.'s (BFST) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $55.29
- Current price
- $27.50
- AI upside
- +101.05%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$13.17
-52.11% upside
Graham-Dodd
$41.13
+49.55% upside
Graham Formula
$57.75
+109.98% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| BFST | Business First Bancshares… | $27.50 | 808.5M | +101% | -52% | +50% | +110% | 9.31 | 0.91 | 1.60 | -0.26 | 40.48 | 1.08 | 60.92% | 22.15% | 17.16% | 10.36% | 18.38% | 1.09% | 0.61 | 0.59 | 5.62 | 5.62 | 1.18 | 2301.00% | 1184.00% | 5388.00% | 11.25% | 0.07 | 18.74% | 0.00% | 0.00% | 2.93% | -0.27 | -0.33 | -0.06 | 1.14 |
| AMTB | Amerant Bancorp Inc. | $21.35 | 895.69M | +69% | -2% | +18% | +29% | 17.22 | 0.95 | 1.36 | -7.98 | — | 0.95 | 57.37% | 10.09% | 8.00% | 5.64% | -16.82% | 0.52% | 1.11 | 0.28 | 0.43 | 0.43 | 8.06 | -38636.00% | 1397.00% | 3098.00% | 11.02% | 0.02 | -31.43% | 1.28% | 22.10% | 3.53% | -8.54 | -5.77 | -0.86 | -0.17 |
| CCNE | CNB Financial Corporation | $28.01 | 825.63M | -26% | -2% | -6% | +82% | 8.66 | 0.77 | 1.31 | -3.02 | — | 0.84 | 59.11% | 18.71% | 15.16% | 9.23% | 183.63% | 0.91% | 0.24 | 0.49 | 0.16 | 0.16 | -3.93 | -627.00% | 1180.00% | 5319.00% | 11.68% | 0.01 | 185.82% | 4.06% | 35.20% | 50.32% | -3.39 | -4.13 | -0.63 | -0.65 |
| CPF | Central Pacific Financial… | $31.85 | 853.8M | -9% | +33% | +15% | +30% | 11.12 | 1.45 | 2.38 | 1.51 | 24.33 | 1.47 | 76.12% | 27.79% | 21.38% | 13.70% | -50.52% | 1.04% | 0.22 | 1.37 | 33.66 | 33.66 | 0.39 | 4569.00% | 642.00% | 2922.00% | 11.32% | 3.81 | -62.03% | 0.00% | 0.00% | 0.00% | 1.51 | 1.56 | 0.42 | 0.34 |
| EFSC | Enterprise Financial Serv… | $57.10 | 2.11B | -16% | +92% | -48% | +87% | 10.57 | 1.04 | 2.33 | 6.59 | 106.39 | 1.33 | 68.43% | 31.10% | 22.07% | 10.42% | 12.52% | 1.22% | 0.00 | 1.08 | 0.01 | 0.01 | -0.71 | 994.00% | 1203.00% | -6842.00% | 3.56% | 0.01 | 4.71% | 4.77% | 50.40% | 5.43% | 6.77 | 25.35 | 2.11 | -0.73 |
| HBT | HBT Financial, Inc. | $26.96 | 847.4M | +167% | -19% | +11% | -2% | 11.23 | 1.40 | 2.95 | 0.84 | 140.99 | 1.60 | 80.03% | 35.63% | 26.25% | 13.28% | 46.33% | 1.52% | 0.11 | 1.84 | 0.28 | 0.28 | 0.37 | 796.00% | 284.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 0.88 | — | 0.32 | -0.17 |
| HTB | HomeTrust Bancshares, Inc… | $42.14 | 735.09M | +204% | -23% | -5% | +231% | 10.70 | 1.06 | 1.99 | 1.57 | 74.90 | 1.15 | 65.95% | 23.69% | 18.57% | 10.72% | 37.16% | 1.19% | 0.02 | 0.75 | 0.17 | 0.17 | -3.42 | 1429.00% | 3656.00% | -14940.00% | 4.81% | 0.01 | 19.14% | 1.31% | 14.00% | 30.68% | 1.96 | 4.84 | 0.46 | -0.50 |
| MBWM | Mercantile Bank Corporati… | $51.66 | 887.58M | +39% | -1% | +30% | +14% | 9.63 | 1.18 | 2.30 | 0.98 | 89.56 | 1.35 | 64.03% | 27.46% | 23.87% | 13.56% | 209.76% | 1.38% | 1.14 | 0.79 | 0.29 | 0.29 | 3.31 | 1075.00% | 274.00% | -8789.00% | 1.31% | 0.00 | 26.49% | 0.00% | 0.00% | 0.00% | 1.03 | 9.35 | 0.28 | -0.42 |
| MCB | Metropolitan Bank Holding… | $84.15 | 866.58M | +5% | +146% | +23% | +18% | 12.80 | 1.23 | 1.73 | 3.15 | 110.05 | 1.23 | 52.64% | 19.26% | 13.49% | 9.65% | 13.26% | 0.91% | 0.00 | 0.48 | — | — | -0.12 | 1164.00% | 710.00% | -3919.00% | 9.74% | — | 16.54% | 0.00% | 0.00% | 29.58% | 3.15 | 3.60 | 0.61 | 0.34 |
| NBN | Northeast Bank | $110.88 | 884.57M | +22% | +249% | +1% | +285% | 10.57 | 1.78 | 2.51 | 6.15 | 32.05 | 1.79 | 58.14% | 35.81% | 23.77% | 19.16% | 19.51% | 2.25% | 0.69 | 0.91 | 0.13 | 0.13 | -0.58 | 3298.00% | 3473.00% | 4802613.00% | 6.06% | 0.02 | 12.49% | 0.04% | 0.40% | 22.46% | 6.30 | 14.83 | 2.26 | -0.38 |
About Business First Bancshares, Inc.
Business First Bancshares, Inc. operates as the bank holding company for b1BANK that provides various banking products and services. 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 commercial lines of credit, letters of credit, working capital, term, equipment financing, asset acquisition, expansion and development, borrowing base, and other loan products; 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 services 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. As of March 01, 2022, it operates approximately 48 full-service banking centers and three loan production offices across Louisiana, and in the Dallas and Houston markets. Business First Bancshares, Inc. was incorporated in 2006 and is headquartered in Baton Rouge, Louisiana.
- CEO
- David R. Melville
- Employees
- 849
- Beta
- 0.85
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($13.17 ÷ $27.50) − 1 = -52.11% (DCF, example).