Business First Bancshares Inc (BFST) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Business First Bancshares Inc $21.06, price $30.35, upside -30.6%, quality 41 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? No
- Add to watchlist
Business First Bancshares Inc
BFST · USWeak valuationQuality is weak on top of the rich price.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range $12.62 – $32.28 · fair‑value band $19.38 – $26.21 · the $30.35 price screens above the $21.06 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
Every Wednesday you see whether Business First Bancshares is on track or worth a review, plus price against fair value. Free, up to 3 stocks.
We send you a confirmation link. Unsubscribe with one click.
Company 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 and savings, time, and money market accounts; and certificates of deposits, remote deposit capture, and direct deposit services.
Show more
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.
Stock analysis
Business First Bancshares Inc (BFST) currently trades at $30.35, while our model-based Fair Value estimate is $21.06, implying the stock looks roughly 44.2% overvalued today.
Show more
Valuation
Bull case: the Multiples group reads highest at a median of $34.95 per share, and 2 of the 6 models we run sit above the $30.35 price.
Bear case: the Dividend Discount group reads lowest at $8.71, and 4 of the 6 models stay below the price. Evidence for this calculation is high.
Scenario range: $19.38 (bear) to $26.21 (bull), the price of $30.35 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 41/100 (below-average quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Business First Bancshares Inc reported revenue of $512M in FY2025 versus $203M in FY2021, a compound +26.0%/yr. Reported net income was $87.9M in FY2025, compounding +13.9%/yr from FY2021.
Key figures
Market cap $992M · P/E ratio 10.8 · P/S ratio 1.85 · EPS (TTM) $2.82 · Dividend yield 1.9% · Net margin 17.2% · Return on equity 10.0% · Return on assets (EBIT) 1.3%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 47 out of 100 (low confidence).
What moves the price
The share trades about 6% below its 52-week high and 36% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at −31%, BFST screens cheaper than that median.
Fair Value models
All 6 models by family
Notify me when BFST reaches fair value
Put BFST on your watchlist. We get in touch as soon as price and fair value meet or the trend turns.
Set up alert →Quality Score breakdown
Of which business quality 39 · Market factors (momentum, volatility) 68
Revenue & earnings trend
Growth Forecast
BFST screens 44% overvalued. Compare with DBS Group →
Compare Business First Bancshares Inc with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1074 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| DBS Group D05 | 77.80 SGD | 40.48 SGD | −48% |
| China Merchants Bank Co 3968 | HK$51.65 | HK$64.29 | +24% |
| Intesa Sanpaolo S.p.A ISP | €6.73 | €4.04 | −40% |
| HDFC Bank Limited HDFCBANK | ₹738.60 | ₹418.52 | −43% |
| BNP Paribas SA BNP | €101.30 | €105.99 | +5% |
| UniCredit S.p.A UCG | €83.28 | €77.62 | −7% |
| Mizuho Financial Group MFG | $10.87 | $6.75 | −38% |
| ICICI Bank Limited ICICIBANK | ₹1,340 | ₹636.31 | −53% |
| The PNC Financial Services Group PNC | $227.96 | $159.52 | −30% |
| Oversea-Chinese Banking Corporation O39 | 32.14 SGD | 19.80 SGD | −38% |
Explore undervalued stocks
More undervalued Financial Services stocks →
Try a ready-made strategy
Pick a strategy and jump into the live analysis with that exact screen applied.
Discover tools
Frequently asked questions
Is Business First Bancshares Inc (BFST) overvalued or undervalued?
What is the fair value of BFST?
What is the quality score of BFST?
What is the price target for Business First Bancshares Inc (BFST)?
What is the Business First Bancshares Inc stock forecast for 2026?
What is the revenue of Business First Bancshares Inc (BFST)?
Does Business First Bancshares Inc pay a dividend?
What growth is priced into Business First Bancshares Inc (BFST)?
What discount rate (WACC) does the fair value of BFST use?
What is a reverse DCF?
How much growth has Business First Bancshares Inc (BFST) delivered so far?
How fast is the sector of Business First Bancshares Inc (BFST) growing?
What is the free cash flow yield of Business First Bancshares Inc (BFST)?
What is the intrinsic value of Business First Bancshares Inc (BFST)?
Is Business First Bancshares Inc stock overvalued or undervalued in 2026?
Is fair value the same as the market price of BFST?
How much is Business First Bancshares Inc worth?
What do the bullish and bearish scenarios say about BFST?
What is the P/E ratio of BFST?
How solid is the balance sheet of Business First Bancshares Inc (BFST)?
How far is BFST from its 52-week high?
Which stocks are comparable to Business First Bancshares Inc?
Is Business First Bancshares Inc stock attractive at the current price?
How is the fair value of BFST calculated?
Is it still worth investing in stocks now?
What is the share price of Business First Bancshares Inc (BFST)?
What should I pay attention to with Business First Bancshares Inc right now?
Where does the earnings growth of Business First Bancshares Inc (BFST) come from?
Key figures of Business First Bancshares Inc
How large is the market capitalisation of Business First Bancshares Inc (BFST)?
What is the P/S ratio of Business First Bancshares Inc (BFST)?
What are the earnings per share of Business First Bancshares Inc (BFST)?
What is the dividend yield of Business First Bancshares Inc (BFST)?
What is the net margin of Business First Bancshares Inc (BFST)?
What is the return on equity of Business First Bancshares Inc (BFST)?
What is the EBIT return on assets of Business First Bancshares Inc (BFST)?
What is the operating margin of Business First Bancshares Inc (BFST)?
How fast is revenue growing at Business First Bancshares Inc (BFST)?
How fast are earnings growing at Business First Bancshares Inc (BFST)?
How much net debt does Business First Bancshares Inc (BFST) carry?
Watch Business First Bancshares Inc in the live analysis
One click puts Business First Bancshares Inc on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 35,000+ stock screener. You can also try 14 days of Pro there, no card.
Watch for free →Zero risk: nothing is ever charged. Your watchlist is yours, with or without an account.