Business First Bancshares, Inc. (BFST) vs Capitol Federal Financial (CFFN)

Business First Bancshares, Inc. and Capitol Federal Financial are both Banks Regional companies. Business First Bancshares, Inc. and Capitol Federal Financial are of similar size ($1.1B and $1.0B). Business First Bancshares, Inc. trades at the lower P/E: 11.3× against 13.1×. Capitol Federal Financial grew revenue faster over the last twelve months: 7.53% against 6.15%. Capitol Federal Financial has the higher net margin (18.7% vs 16.3%) and the lower return on invested capital (2.54% vs 16.8%). Both pay a dividend; Capitol Federal Financial yields more (4.99% vs 1.86%). Across the 19 metrics below, Business First Bancshares, Inc. leads on 13 and Capitol Federal Financial on 6.

Valuation

Metric BFST CFFN Banks Regional median
P/E 11.34 13.09 12.02
P/S 1.92 2.38 2.36
P/B 1.13 1.03 1.23
Price to free cash flow 9.07 14.75 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.82% 7.64% 8.21%
Free cash flow yield 11.03% 6.78% 9.23%

Profitability

Metric BFST CFFN Banks Regional median
Gross margin 65.42% 51.74% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 16.34% 18.67% 18.82%
Free cash flow margin 21.17% 16.14% 17.97%
Return on equity 10.28% 8.00% 10.28%
Return on assets 1.06% 0.85% 1.13%
Return on invested capital 16.84% 2.54% 8.45%

Growth

Metric BFST CFFN Banks Regional median
Revenue growth (TTM) 6.15% 7.53% 6.37%
EPS growth (last fiscal year) 23.45% 79.31% 18.85%
Revenue growth, 5-year CAGR 24.70% 5.30% 12.65%
Net income growth, 5-year CAGR 22.42% 1.03% 9.81%

Health

Metric BFST CFFN Banks Regional median
Debt to equity 0.12 1.60 0.17
Current ratio 0.96 1.20 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BFST CFFN Banks Regional median
Dividend yield 1.86% 4.99% 2.49%
Payout ratio 0.21 0.65 0.29

Size

Metric BFST CFFN Banks Regional median
Market cap 1.04b 1.07b 934.85m

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