Financial Snapshot

Revenue
$7.699M
TTM
Gross Margin
Net Earnings
$61.74M
TTM
Current Assets
Current Liabilities
$25.28M
Q3 2024
Current Ratio
Total Assets
$6.889B
Q3 2024
Total Liabilities
$6.189B
Q3 2024
Book Value
$699.5M
Q3 2024
Cash
Q3 2024
P/E
13.74
Nov 14, 2024 EST
Free Cash Flow
$36.57M
TTM

Revenues

Revenues

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Revenue YoY Change

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Revenues

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013
Revenue $9.704M $8.272M $170.4M $149.8M $103.5M $76.20M $51.60M $43.42M $38.62M $27.48M $28.98M
YoY Change 17.31% -95.15% 13.81% 44.74% 35.79% 47.66% 18.85% 12.43% 40.55% -5.18%

Expenses

Cost Of Revenues

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Gross Profit

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Gross Profit Margin

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Gross Profit

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013
Revenue $9.704M $8.272M $170.4M $149.8M $103.5M $76.20M $51.60M $43.42M $38.62M $27.48M $28.98M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

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Research & Development

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Depreciation, Depletion & Amortization

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SGA Expense to Gross Profit Ratio

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R&D To Gross Profit Ratio

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DDA To Gross Profit Ratio

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Operating Expenses Total

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Operating Profits/Loss

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Operational Expenses

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $4.670M $4.818M $4.160M $3.160M $1.590M $1.170M $1.180M $1.300M $1.190M $810.0K $850.0K
YoY Change -3.07% 15.82% 31.65% 98.74% 35.9% -0.85% -9.23% 9.24% 46.91% -4.71%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

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Interest Expenses To Operating Income %

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Other Expense/Income

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Interest & Other Expense/Income

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013
Interest Expense $138.2M $36.54M $16.55M $22.11M $23.27M $13.97M $7.229M $5.826M $4.467M $3.951M $4.700M
YoY Change 278.24% 120.71% -25.13% -4.99% 66.61% 93.19% 24.08% 30.42% 13.06% -15.94%
% of Operating Profit
Other Income/Expense, Net $13.97M $12.41M $11.40M $10.76M $5.911M $4.156M $2.829M $2.943M $2.274M $1.119M $1.925M
YoY Change 12.54% 8.93% 5.91% 82.03% 42.23% 46.91% -3.87% 29.42% 103.22% -41.87%

Income/Loss

Pretax Income

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Income Tax

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Net Profits/Loss

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Pretax Income YoY Change

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Income Tax Rate

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Net Profits/Loss YoY Change

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Basic EPS

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Net Income To Revenue Ratio

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Pretax & Net Income

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013
Pretax Income $90.59M $68.59M $64.56M $36.78M $29.85M $17.37M $8.951M $6.724M $5.621M $5.397M $5.621M
YoY Change 32.06% 6.25% 75.52% 23.21% 71.86% 94.06% 33.12% 19.62% 4.15% -3.99%
Income Tax $19.54M $14.34M $12.42M $6.788M $6.080M $3.279M $4.103M $1.613M $1.525M $1.364M $1.016M
% Of Pretax Income 21.57% 20.9% 19.24% 18.45% 20.37% 18.88% 45.84% 23.99% 27.13% 25.27% 18.08%
Net Earnings $65.64M $54.26M $52.14M $29.99M $23.77M $14.09M $4.848M $5.111M $4.096M $4.033M $4.785M
YoY Change 20.99% 4.06% 73.82% 26.17% 68.7% 190.66% -5.15% 24.78% 1.56% -15.72%
Net Earnings / Revenue 676.44% 655.89% 30.59% 20.03% 22.98% 18.49% 9.4% 11.77% 10.61% 14.68% 16.51%
Basic Earnings Per Share $2.62 $2.34 $2.54 $1.65 $1.79 $1.27 $0.63 $0.73 $0.61 $0.76 $0.90
Diluted Earnings Per Share $2.60 $2.32 $2.53 $1.64 $1.74 $1.22 $0.61 $0.70 $0.59 $0.72 $0.87

Assets & Liabilities

Cash & Short-Term Investments

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Cash & Equivalents

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Cash To Operating Expenses Ratio

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Inventory

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Receivables

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Total Short-Term Assets

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Property, Plant And Equipment

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Long-Term Investments

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Total Long-Term Assets

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Total Assets

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Net Income To Total Assets Percentage

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Accounts Payable

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Short-Term Debt

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Long Term Debt Due

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Total Short-Term Liabilities

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Long-Term Debt

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Other Long-Term Liabilities

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Total Long-Term Liabilities

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Total Liabilities

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Short-Term To Long-Term Debt Ratio

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Short-Term Assets To Debt Ratio

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Long-Term Debt To Net Income Ratio

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Assets & Liabilities

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment $69.48M $63.18M $58.20M $58.60M $29.30M $15.10M $8.800M $9.300M $9.200M $2.200M $2.800M
YoY Change 9.98% 8.55% -0.68% 100.0% 94.04% 71.59% -5.38% 1.09% 318.18% -21.43%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $27.32M $31.19M $8.800M $5.900M $2.100M $3.800M
YoY Change -12.41% 254.48% 49.15% 180.95% -44.74%
Total Long-Term Assets
YoY Change
Total Assets $6.585B $5.990B $4.726B $4.160B $2.274B $2.095B $1.321B $1.106B $1.076B $684.5M $684.2M
YoY Change
Accounts Payable $14.84M $2.092M $1.400M $2.500M $1.500M $1.400M $900.0K $900.0K $600.0K $400.0K $500.0K
YoY Change 609.42% 49.43% -44.0% 66.67% 7.14% 55.56% 0.0% 50.0% 50.0% -20.0%
Accrued Expenses $13.20M
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt $18.89M $34.27M $19.10M $26.80M $68.00M $12.20M $2.800M $3.600M $5.400M
YoY Change -44.9% 79.45% -28.73% -60.59% 457.38% 335.71% -22.22% -33.33%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $33.73M $36.37M $1.400M $2.500M $14.70M $1.400M $900.0K $900.0K $600.0K $400.0K $500.0K
YoY Change -7.26% 2497.57% -44.0% -82.99% 950.0% 55.56% 0.0% 50.0% 50.0% -20.0%
Long-Term Debt $405.0M $115.7M $86.40M $36.00M $25.00M $25.00M $2.700M $3.000M $0.00 $0.00 $0.00
YoY Change 249.89% 33.97% 140.0% 44.0% 0.0% 825.93% -10.0%
Other Long-Term Liabilities $41.59M $27.42M $26.80M $25.20M $6.000M $7.300M $4.400M $4.900M $4.300M $3.000M $2.600M
YoY Change 51.67% 2.31% 6.35% 320.0% -17.81% 65.91% -10.2% 13.95% 43.33% 15.38%
Total Long-Term Liabilities $446.6M $143.2M $113.2M $61.20M $31.00M $32.30M $7.100M $7.900M $4.300M $3.000M $2.600M
YoY Change 211.93% 26.47% 84.97% 97.42% -4.02% 354.93% -10.13% 83.72% 43.33% 15.38%
Total Liabilities $5.940B $5.410B $4.293B $3.750B $1.989B $1.835B $1.141B $992.3M $963.6M $605.7M $612.3M
YoY Change 9.8% 26.02% 14.47% 88.59% 8.39% 60.76% 15.02% 2.98% 59.09% -1.08%

Ownership

Basic Shares Outstanding

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Diluted Shares Outstanding

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Preferred Stock

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Treasury Stock Shares

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Stock Issuance & Repurchase

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Ownership Data

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013
Basic Shares Outstanding 25.08M 22.63M 20.50M 18.17M 13.31M 11.12M 7.658M 7.033M 6.694M 5.315M 5.312M shares
Diluted Shares Outstanding 25.30M 22.82M 20.63M 18.24M 13.67M 11.55M 8.004M 7.315M 6.983M 5.609M 5.507M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

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Book Value

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Free Cash Flow

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Free Cash Flow YoY

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Free Cash Flow Margin

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Dividends

Dividends

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Stock Price

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Market Cap: $848.14 Million

About Business First Bancshares Inc

Business First Bancshares, Inc. is a financial holding company, which engages in the provision of banking products and services through its subsidiary. The company is headquartered in Baton Rouge, Louisiana and currently employs 751 full-time employees. The company went IPO on 2018-04-09. The firm operates through its banking subsidiary, b1BANK (the Bank). The Bank is a Louisiana state banking association and community-based financial institution that offers a range of banking products and services. The company operates throughout the state of Louisiana, in the Dallas/Fort Worth metroplex and Houston, from a network of banking centers and loan production offices. The company offers checking, savings and money market accounts, certificates of deposit, commercial and consumer loans, mortgage loans, real estate loans, and other installment and term loans. In addition, it offers its customers wealth management products, drive-through banking facilities, automated teller machines, night depository, credit cards, Internet banking, electronic funds transfers through ACH services, domestic and foreign wire transfers, traveler’s checks, cash management, vault services, loan and deposit sweep accounts, and lock box services.

Industry: State Commercial Banks Peers: Arrow Financial Corp Bank of Marin Bancorp CNB Financial Corp Equity Bancshares Inc Five Star Bancorp Mercantile Bank Corp Metrocity Bankshares Inc PNC Financial Services Group Inc