profit from every $100 of sales.
$0$100
Business First Bancshares
$32.41-0.46% today
+28.7% in 1 year
1-year low $24.251-year high $32.98
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $11.89 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Business First Bancshares sold, what it kept, and what it did with the cash.
Sales went from $228 million in 2022 to $320 million in 2025, with $87.9 million of profit last year.
SalesProfit
Business First Bancshares handed back 28% of the cash it generated last year.
$22M
Free cash flow 2025$92M
Bought back its own shares$4M
Paid as dividends$22M
Cash vs. debt$411M vs. $529M
Business First Bancshares vs. similar companies
Business First Bancshares grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Business First Bancshares | 11.9× · Cheap | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.5× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Business First Bancshares's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 228 | 247 | 270 | 320 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 54 | 71 | 65 | 88 | |
| 2.32 | 2.59 | 2.26 | 2.79 | |
| – | – | – | – | |
| – | – | – | – | |
| 23.8% | 28.7% | 24.1% | 27.5% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 5,990 | 6,585 | 7,857 | 8,215 |
| Cash | 153 | 226 | 319 | 411 |
| Total debt | 526 | 616 | 461 | 529 |
| Total liabilities | 5,410 | 5,940 | 7,058 | 7,318 |
| 580 | 644 | 799 | 897 | |
| 23 | 25 | 26 | 30 | |
| – | – | – | – | |
| 9.3% | 11.0% | 8.1% | 9.8% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 70 | 91 | 61 | 92 | |
| 8 | 12 | 2 | 0 | |
| 62 | 79 | 60 | 92 | |
| Dividends paid | 12 | 18 | 20 | 22 |
| 0 | 0 | 0 | 4 | |
| 4 | 4 | 3 | 6 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 11.9×
- 10.8×
- 1.88
- 0.9×
- 3.3×
- 8.4%
- 2.1%
Profitability
- 27.5%
- 6.5%
- 6.0%
- 10.1%
- 1.0%
Growth
- +12.0%
- +6.3%
- +7.3%
- +9.6%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 39%of 827
Top 50%of 709
Top 37%of 876
Top 36%of 879
Top 33%of 926
What analysts expect
- Average price target
- $32.33
- Range
- $31.00 – $33.00
- 1 analysts
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 27, 2026 | 0.73 | 0.69 | +5.8% |
| Jan 22, 2026 | 0.79 | 0.72 | +9.7% |
| Oct 23, 2025 | 0.72 | 0.69 | +4.3% |
| Jul 28, 2025 | 0.66 | 0.65 | +1.5% |
| Apr 24, 2025 | 0.65 | 0.61 | +6.6% |
| Jan 23, 2025 | 0.66 | 0.49 | +34.7% |
| Oct 24, 2024 | 0.68 | 0.57 | +19.3% |
| Jul 25, 2024 | 0.64 | 0.51 | +25.5% |
2.1%of the share price, paid each year
On $1,000 invested$21a year at today's yield, before tax
+7.3%2020 to 2025
Raised8 yearsin a row, in our data
Paid per share, each year
$0.05 in 2016 → $0.57 in 2025
How safe it looks
25.3% of its profit
Room to growStretchedMore than it earns: 24.2%
News
Pershing Square Calls Meta’s (META) Business Model “One of the Clearest Beneficiaries of AI Integration”Yahoo Finance · Nov 12, 2026Microsoft stock sinks as new AI rival targets $27 billion businessYahoo Finance · Nov 11, 2026‘The craziest corporate espionage story’: CNN’s business experts react to Nvidia CEO scandalYahoo Finance · Nov 11, 2026Funeral homes are finding new life hosting weddings and golf outings, as the traditional burial business dies outMarketWatch · Nov 9, 2026Houthi strike damages Aramco offices in Riyadh, raising business risksSeeking Alpha · Nov 8, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
3/7Passes 3 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
63Pass
Benjamin Graham
74Pass
Philip Fisher
60Pass
Peter Lynch
48No pass
Joel Greenblatt
21No pass
Charlie Munger
53No pass
Terry Smith
53No pass
Questions about Business First Bancshares
Is Business First Bancshares a good stock to buy?
A strong, very profitable business, and the price looks low. 3 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Business First Bancshares AI analysis
What does Business First Bancshares do?
Business First Bancshares, Inc. operates as the bank holding company for b1BANK that provides various banking products and services. It is in Banks - Regional.
Does Business First Bancshares pay a dividend?
Yes. At today's price the dividend is 2.1% a year, about 25% of its yearly profit. In 2025 it paid out $22.2 million in dividends.
Is Business First Bancshares stock halal?
No. Business First Bancshares does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Business First Bancshares stock done over the past year?
Up 28.7% over the past twelve months, to $32.41. It traded between $24.25 and $32.98, close to its high.
Who are Business First Bancshares's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Business First Bancshares's.
Prices: daily closes to Nov 12, 2026. Fundamentals: company reports via invest-like data.