Business First Bancshares Inc. Common Stock (BFST)

FairStock Score: 67/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

Business First Bancshares is a Louisiana and Texas bank holding company. Banking is not a wide-moat business; it is commoditized and scale matters, but a FairStock-calculated return on equity of 10.01% with shares at 1.07 times book and about 11 times earnings suggests the market is not paying a premium. In fiscal Q2 2026, the quarter ended 2026-06-30, the company reported net income of $24.2 million and diluted EPS of $0.70; in fiscal Q1 2026 net income was $23.6 million and diluted EPS was $0.68. For FY2025 net income was $87.9 million and diluted EPS was $2.79, up from FY2024's $65.1 million and $2.26. That is real profit progress, and FairStock labels the stock a FAST GROWER based on five-year profit and revenue growth. Still, the filed revenue figures look strange beside net income, so I would not lean on top-line momentum. The FairStock Piotroski F-Score of 6/9 is middling, and the PEG of 1.17 is not compelling. At the 2026-10-13 close of $30.80, the FairStock P/E of 10.96, P/B of 1.07, 1.95% dividend yield, and 0.78 beta are reasonable for a small regional bank. But without CET1, net interest margin, nonperforming loans, reserves, and efficiency ratio, credit risk is a blind spot. This looks fairly priced, not a bargain.

In plain English: Business First Bancshares is a bank holding company for b1BANK, serving customers in Louisiana and Texas with deposits and loans. Its profits have grown and the stock price looks moderate compared with its earnings and accounting value. It appears to be a steady regional bank with some growth, though important details about loan quality and capital are not shown here.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer