Business First Bancshares, Inc. (BFST) vs Eagle Bancorp, Inc. (EGBN)

Business First Bancshares, Inc. and Eagle Bancorp, Inc. are both Banks Regional companies. Business First Bancshares, Inc. and Eagle Bancorp, Inc. are of similar size ($1.0B and $1.0B). Eagle Bancorp, Inc. has negative trailing earnings, so its P/E is not meaningful; Business First Bancshares, Inc. trades at 11.3×. Business First Bancshares, Inc. grew revenue faster over the last twelve months: 7.80% against −11.5%. Business First Bancshares, Inc. has the higher net margin (16.3% vs −8.11%) and the higher return on invested capital (8.41% vs −6.83%). Both pay a dividend; Business First Bancshares, Inc. yields more (2.36% vs 0.15%). Across the 18 metrics below, Business First Bancshares, Inc. leads on 15 and Eagle Bancorp, Inc. on 3.

Valuation

Metric BFST EGBN Banks Regional median
P/E 11.28 n/m 12.28
P/S 1.93 1.70 2.37
P/B 1.11 0.88 1.21
Price to free cash flow 10.04 19.20 11.06
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.87% (4.79%) 8.02%
Free cash flow yield 9.96% 5.21% 8.80%

Profitability

Metric BFST EGBN Banks Regional median
Gross margin 64.32% 50.46% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 16.32% (8.11%) 18.68%
Free cash flow margin 19.24% 8.87% 21.11%
Return on equity 10.22% (4.14%) 10.64%
Return on assets 1.04% (0.48%) 1.13%
Return on invested capital 8.41% (6.83%) 8.33%

Growth

Metric BFST EGBN Banks Regional median
Revenue growth (TTM) 7.80% (11.50%) 6.80%
EPS growth (last fiscal year) 23.45% (191.67%) 18.82%
Revenue growth, 5-year CAGR 24.70% 7.78% 12.56%
Net income growth, 5-year CAGR 22.42% 0.00% 9.83%

Health

Metric BFST EGBN Banks Regional median
Debt to equity 0.56 0.07 0.21
Current ratio 1.01 0.87 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BFST EGBN Banks Regional median
Dividend yield 2.36% 0.15% 2.69%
Payout ratio 0.27 — 0.32

Size

Metric BFST EGBN Banks Regional median
Market cap 1.03b 1.01b 921.62m

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