828 Stock Chart & Stats
€23.60
-€0.20(-0.95%)
At close: 4:00 PM EST
€23.60
-€0.20(-0.95%)
Day’s Range― - ―
52-Week Range€16.30 - €27.00
Previous CloseN/A
Volume0.00
Average Volume (3M)0.00
Market Cap
€901.94M
Enterprise Value€728.00M
Total Cash (Recent Filing)€1.21B
Total Debt (Recent Filing)€384.52M
Price to Earnings (P/E)11.1
Beta0.44
Next Earnings
Jul 23, 2026EPS Estimate
0.61Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)2.82
Shares Outstanding32,677,967
10 Day Avg. Volume0
30 Day Avg. Volume0
Financial Highlights & Ratios
PEG Ratio0.41
Price to Book (P/B)0.86
Price to Sales (P/S)1.51
P/FCF Ratio8.39
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€28.94Price Target Upside22.61% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)2.63
Revenue Forecast (FY)€325.83M
Bulls Say, Bears Say
Bulls Say
Revenue Growth & ProfitabilityRevenue rose from $203M in 2021 to $512M in 2025 (and $520M TTM) while net margin stayed near 17–18%. That sustained top-line expansion and healthy margins indicate a resilient, diversified banking franchise with durable earnings power even as rates and cycles shift.
Improved Capitalization & Lower LeverageLeverage fell materially from ~0.99 to ~0.39 TTM and tangible equity has grown, strengthening solvency and capital flexibility. This durable improvement supports organic growth, acquisitions, subordinated debt issuance, buybacks and cushions credit or cyclical shocks over the next several quarters.
Stable Funding And Liquidity Via DepositsLarge deposit inflows and meaningful organic deposit growth broaden the low‑cost funding base and reduce reliance on wholesale borrowings. A stronger deposit mix improves funding stability and supports loan growth and margin resilience over coming quarters compared with volatile funding sources.
Bears Say
Elevated Nonperforming AssetsRising NPLs and NPAs increase provisioning needs and can depress reported net interest income via interest reversals. Uncertain timing of resolution means capital and earnings could be strained intermittently, reducing predictability of credit costs and requiring active remediation over several quarters.
Negative Organic Loan GrowthSubstantial paydowns outpaced originations, shrinking core loans excluding the Progressive acquisition. Persistent paydown pressure reduces net interest income growth and forces reliance on acquisitions or higher-yielding but riskier lending to sustain loan growth, challenging durable earnings expansion.
Net Interest Margin PressureRecent NIM compression and interest reversals on nonaccruals erode the bank's primary earnings driver. Even with management expecting modest NIM improvement, competitive deposit pricing and deposit betas leave NIM vulnerable, which could weigh on durable profitability until funding re-pricing stabilizes.
Business First Bancshares News
828 FAQ
What was Business First Bancshares Inc’s price range in the past 12 months?
Business First Bancshares Inc lowest stock price was €16.30 and its highest was €27.00 in the past 12 months.
What is Business First Bancshares Inc’s market cap?
Business First Bancshares Inc’s market cap is €901.94M.
When is Business First Bancshares Inc’s upcoming earnings report date?
Business First Bancshares Inc’s upcoming earnings report date is Jul 23, 2026 which is in 21 days.
How were Business First Bancshares Inc’s earnings last quarter?
Business First Bancshares Inc released its earnings results on Apr 27, 2026. The company reported €0.641 earnings per share for the quarter, beating the consensus estimate of €0.603 by €0.039.
Is Business First Bancshares Inc overvalued?
According to Wall Street analysts Business First Bancshares Inc’s price is currently Undervalued.
Does Business First Bancshares Inc pay dividends?
Business First Bancshares Inc does not currently pay dividends.
What is Business First Bancshares Inc’s EPS estimate?
Business First Bancshares Inc’s EPS estimate is 0.61.
How many shares outstanding does Business First Bancshares Inc have?
Business First Bancshares Inc has 32,677,967 shares outstanding.
What happened to Business First Bancshares Inc’s price movement after its last earnings report?
Business First Bancshares Inc reported an EPS of €0.641 in its last earnings report, beating expectations of €0.603. Following the earnings report the stock price went down -2.461%.
Which hedge fund is a major shareholder of Business First Bancshares Inc?
Currently, no hedge funds are holding shares in DE:828
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Business First Bancshares Stock Smart Score
Neutral
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Analyst Consensus
Moderate Buy
Average Price Target:
€28.94 (22.61% Upside)
€28.94 (22.61% Upside)
Blogger Sentiment
Bullish
DE:828 Sentiment 100%
Sector Average ―
Sector Average ―
Insider Transactions
Sold Shares
Worth €1.4M over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Positive
20 days / 200 days
Momentum
7.18%
12-Months-Change
Fundamentals
Return on Equity
10.06%
Trailing 12-Months
Asset Growth
14.41%
Trailing 12-Months
Company Description
Business First Bancshares Inc
Business First Bancshares, Inc. (BFST) serves as the bank holding company for b1BANK, delivering an extensive array of banking products and financial services. Its deposit offerings include checking, demand, money market, time, and savings accounts, alongside certificates of deposit, and modern conveniences such as remote and direct deposit capabilities. The company provides a diverse portfolio of lending solutions. These include commercial and industrial loans for working capital, equipment financing, asset acquisition, expansion, and development, featuring lines of credit, letters of credit, term loans, and borrowing base facilities. BFST also finances construction and development projects, commercial real estate, and residential properties, offering first and second lien mortgages for 1-4 family homes, plus home equity lines of credit. Consumer loan options span both secured and unsecured installment and term arrangements. Beyond traditional banking, BFST offers wealth management services, encompassing mutual funds, annuities, individual retirement accounts (IRAs), other investment products, fiduciary services, and private banking solutions. A wide range of additional financial tools are available, including debit and credit cards, comprehensive treasury and cash management services (such as merchant services, automated clearing house (ACH), lock-box, receivables factoring, and correspondent banking), and employee and payroll benefits solutions. Customer access points feature drive-through facilities, ATMs, night depositories, personalized checks, electronic funds transfer (EFT), domestic and international wire transfers, traveler's checks, vault services, sweep accounts, and robust online and mobile banking platforms, e-statements, and bank-by-mail services. As of March 1, 2022, Business First Bancshares operated approximately 48 full-service banking centers and three loan production offices across Louisiana, and in the Dallas and Houston metropolitan areas. The company was founded in 2006 and is headquartered in Baton Rouge, Louisiana.
828 Company Deck
828 Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call conveyed a broadly positive tone: management reported solid first-quarter profitability (GAAP net income $22.2M; core EPS $0.73), meaningful deposit inflows, a strategic acquisition that expanded the franchise by $774M and 9 branches, successful capital actions including an $85M subordinated debt raise and opportunistic buybacks, and ongoing investments in talent and technology (Agentic AI partnership). Offsetting items included near-term loan growth pressure driven by elevated paydowns/payoffs ($579M) and a rise in nonperforming assets (NPLs to 1.53%), modest margin headwinds (NIM down ~4–6 bps), and expected incremental hiring-related expenses before Progressive cost saves fully materialize. Management reiterated guidance and expects gradual margin improvement and staged NPA resolution over the coming quarters. Overall, positives (scale, deposits, earnings, capital moves, and strategic hires) outweigh manageable near-term credit and margin headwinds.View all DE:828 earnings summaries828 Stock 12 Month Forecast
Average Price Target
€28.94
▲(22.61% Upside)
Technical Analysis
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Options Prices
Currently, No data available
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