Business First Bancshares, Inc. (BFST) vs Five Star Bancorp (FSBC)

Business First Bancshares, Inc. and Five Star Bancorp are both Banks Regional companies. Business First Bancshares, Inc. and Five Star Bancorp are of similar size ($1.1B and $997.0M). Business First Bancshares, Inc. trades at the lower P/E: 10.9× against 12.9×. Five Star Bancorp grew revenue faster over the last twelve months: 18.6% against 7.80%. Five Star Bancorp has the higher net margin (25.9% vs 16.3%) and the lower return on invested capital (0.00% vs 8.41%). Both pay a dividend; Five Star Bancorp yields more (3.44% vs 2.72%). Across the 20 metrics below, Five Star Bancorp leads on 11 and Business First Bancshares, Inc. on 9.

Valuation

Metric BFST FSBC Banks Regional median
P/E 10.94 12.94 12.15
P/S 1.87 3.35 2.37
P/B 1.07 1.96 1.21
Price to free cash flow 9.74 11.56 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.62 1.32 2.27
Earnings yield 9.14% 7.73% 8.11%
Free cash flow yield 10.27% 8.65% 8.98%

Profitability

Metric BFST FSBC Banks Regional median
Gross margin 64.32% 64.01% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 16.32% 25.92% 18.66%
Free cash flow margin 19.24% 28.97% 21.18%
Return on equity 10.22% 16.17% 10.64%
Return on assets 1.04% 1.47% 1.13%
Return on invested capital 8.41% 0.00% 8.33%

Growth

Metric BFST FSBC Banks Regional median
Revenue growth (TTM) 7.80% 18.58% 6.61%
EPS growth (last fiscal year) 23.45% 28.32% —
Revenue growth, 5-year CAGR 24.70% 25.01% 12.30%
Net income growth, 5-year CAGR 22.42% 11.39% 9.71%

Health

Metric BFST FSBC Banks Regional median
Debt to equity 0.56 0.00 0.22
Current ratio 1.01 1.06 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BFST FSBC Banks Regional median
Dividend yield 2.72% 3.44% 3.75%
Payout ratio 0.19 0.22 0.27

Size

Metric BFST FSBC Banks Regional median
Market cap 997.00m 1.07b 921.07m

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