Last 48 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 11.13 | 10.60 | 10.98 | 9.94 | 9.20 | 8.09 | 8.80 | 9.37 | 12.60 | 9.87 | 8.77 | 11.60 | 10.81 | 6.17 | 5.16 | 7.93 | 8.26 | 8.82 | 8.73 | 14.84 | 12.00 |
| — | +31.0% | +24.7% | +6.1% | -26.9% | -18.1% | +0.3% | -19.3% | +16.5% | +60.0% | +70.0% | +46.3% | +30.9% | -30.1% | -40.9% | -46.5% | -31.1% | -24.6% | +27.9% | +46.3% | +57.9% | |
| P/S Ratio | 3.81 | 2.64 | 18.75 | 2.56 | 2.33 | 2.17 | 2.32 | 2.31 | 2.45 | 2.45 | 2.10 | 2.34 | 2.55 | 1.86 | 1.55 | 1.77 | 2.15 | 2.00 | 2.14 | 2.78 | 3.24 |
| — | +22.0% | +706.6% | +10.9% | -4.8% | -11.7% | +10.7% | -1.1% | -4.0% | +31.8% | +35.4% | +31.9% | +18.7% | -6.9% | -27.4% | -36.2% | -33.5% | -28.4% | -4.4% | +0.9% | +50.7% | |
| P/B Ratio | 1.06 | 0.98 | 1.00 | 0.89 | 0.86 | 0.80 | 0.86 | 0.87 | 0.95 | 0.93 | 0.83 | 0.87 | 0.97 | 0.78 | 0.64 | 0.72 | 0.94 | 0.96 | 1.08 | 1.13 | 1.34 |
| — | +23.2% | +16.4% | +2.7% | -8.9% | -14.6% | +3.2% | -0.3% | -2.1% | +18.9% | +30.9% | +20.8% | +2.7% | -18.2% | -41.4% | -35.9% | -29.4% | -13.9% | -2.3% | -5.4% | +29.9% | |
| P/FCF | 9.42 | 5.48 | 9.75 | 8.30 | 13.59 | 5.46 | 13.19 | 6.54 | 10.77 | 7.77 | 9.86 | 19.63 | 10.17 | 6.27 | 3.72 | 5.18 | 12.70 | 6.12 | 7.78 | 8.27 | 12.34 |
| — | +0.3% | -26.1% | +27.0% | +26.1% | -29.8% | +33.8% | -66.7% | +5.9% | +24.0% | +164.9% | +279.2% | -19.9% | +2.4% | -52.1% | -37.4% | +2.9% | -38.5% | -28.4% | +17.9% | +63.3% | |
| EV / EBITDA | 10.55 | 3.15 | — | 5.47 | 7.13 | 6.57 | 7.18 | 7.71 | 10.09 | 9.68 | 8.41 | 11.04 | 12.04 | 8.53 | 9.48 | 13.76 | 9.90 | 13.53 | 9.78 | 9.31 | 11.16 |
| — | -52.1% | — | -29.0% | -29.3% | -32.1% | -14.7% | -30.2% | -16.2% | +13.6% | -11.3% | -19.8% | +21.5% | -37.0% | -3.0% | +47.8% | -11.2% | +31.3% | +84.6% | +115.6% | +116.8% | |
| EV / EBIT | 10.51 | 3.15 | — | 5.77 | 7.46 | 6.89 | 7.54 | 8.14 | 10.83 | 10.25 | 8.88 | 11.78 | 12.70 | 8.91 | 9.93 | 14.61 | 10.38 | 14.56 | 10.46 | 10.25 | 11.96 |
| — | -54.3% | — | -29.1% | -31.1% | -32.8% | -15.0% | -30.9% | -14.7% | +15.0% | -10.6% | -19.4% | +22.3% | -38.8% | -5.1% | +42.6% | -13.1% | +30.7% | +88.6% | +122.1% | +119.0% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 97.4% | 97.9% | 86.8% | 97.4% | 100.0% | 96.1% | 97.2% | 96.4% | 91.3% | 97.5% | 98.0% | 98.0% | 99.8% | 99.1% | 99.1% | 94.7% | 95.2% | 94.6% | 94.8% | 96.5% | 97.1% |
| — | +1.9% | -10.6% | +1.0% | +9.5% | -1.5% | -0.9% | -1.7% | -8.5% | -1.6% | -1.1% | +3.5% | +4.8% | +4.7% | +4.6% | -1.9% | -1.9% | -2.8% | -1.1% | +4.3% | +1.5% | |
| Operating Margin | 35.4% | 33.0% | -219.5% | 34.1% | 36.9% | 35.7% | 35.8% | 33.2% | 27.5% | 34.2% | 33.1% | 28.4% | 33.2% | 40.7% | 40.7% | 31.6% | 36.0% | 28.5% | 30.5% | 23.8% | 32.6% |
| — | -7.6% | -713.7% | +2.8% | +34.2% | +4.4% | +8.1% | +16.9% | -17.2% | -16.0% | -18.7% | -10.0% | -7.7% | +43.1% | +33.5% | +32.6% | +10.3% | -5.3% | -25.7% | -28.8% | -7.9% | |
| Net Margin | 27.5% | 26.4% | 179.9% | 27.2% | 26.9% | 28.3% | 28.2% | 26.4% | 21.3% | 26.8% | 26.2% | 22.4% | 25.9% | 32.1% | 32.1% | 24.6% | 28.2% | 22.6% | 24.3% | 18.8% | 27.0% |
| — | -6.8% | +537.7% | +3.2% | +26.3% | +5.5% | +7.9% | +17.9% | -17.6% | -16.5% | -18.5% | -9.2% | -8.3% | +41.9% | +31.8% | +30.9% | +4.6% | -5.7% | -25.3% | -31.1% | -4.3% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 10.4% | 2.4% | 2.4% | 2.5% | 2.5% | 2.6% | 2.6% | 2.5% | 2.2% | 2.6% | 2.6% | 2.1% | 2.5% | 3.4% | 3.3% | 2.6% | 3.3% | 2.9% | 3.0% | 2.0% | 2.8% |
| — | -7.8% | -8.4% | -1.2% | +14.5% | +1.2% | +0.8% | +20.4% | -13.2% | -22.9% | -20.5% | -17.7% | -23.2% | +17.3% | +8.0% | +30.0% | +18.1% | +20.9% | -25.8% | -34.2% | -18.4% | |
| ROA | 1.1% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.2% | 0.3% | 0.3% | 0.2% | 0.2% | 0.3% | 0.3% | 0.2% | 0.3% | 0.2% | 0.3% | 0.2% | 0.3% |
| — | -4.4% | -3.4% | +4.8% | +23.7% | +9.5% | +9.4% | +28.5% | -7.6% | -17.0% | -17.1% | -16.5% | -20.5% | +29.9% | +22.6% | +41.4% | +15.2% | +3.0% | -36.5% | -39.6% | -22.5% | |
| ROIC | 6.2% | 1.5% | -1.5% | 1.6% | 1.6% | 1.5% | 1.5% | 1.5% | 1.3% | 1.5% | 1.5% | 1.1% | 1.2% | 1.5% | 1.3% | 1.1% | 1.5% | 1.3% | 1.7% | 1.3% | 1.8% |
| — | -2.9% | -195.5% | +2.9% | +26.4% | +2.3% | +2.8% | +39.2% | +6.9% | +1.4% | +13.8% | -1.8% | -18.4% | +14.5% | -22.6% | -12.7% | -17.0% | -21.7% | -41.7% | -39.6% | -25.0% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.61 | 0.48 | 0.61 | 0.39 | 0.61 | 0.56 | 0.72 | 0.53 | 0.60 | 0.71 | 0.64 | 0.66 | 0.99 | 1.06 | 1.32 | 1.43 | 0.96 | 1.33 | 0.88 | 0.48 | 0.43 |
| — | -14.5% | -15.5% | -26.2% | +1.7% | -20.2% | +12.1% | -20.8% | -38.7% | -33.6% | -51.2% | -53.5% | +2.2% | -20.2% | +49.6% | +196.6% | +122.9% | +222.6% | +171.4% | +46.2% | +67.4% | |
| Debt / EBITDA | 4.63 | 6.22 | — | 12.36 | 17.18 | 16.34 | 20.81 | 15.93 | 21.14 | 20.48 | 18.64 | 23.44 | 29.59 | 23.68 | 30.27 | 41.72 | 23.23 | 36.21 | 21.33 | 18.08 | 11.99 |
| — | -61.9% | — | -22.4% | -18.7% | -20.2% | +11.6% | -32.0% | -28.6% | -13.5% | -38.4% | -43.8% | +27.4% | -34.6% | +41.9% | +130.8% | +93.8% | +184.7% | +249.8% | +112.3% | +108.1% | |
| Current Ratio | 0.15 | 0.22 | 2.05 | 0.17 | 0.15 | 0.07 | 0.16 | 0.06 | 0.06 | 0.21 | 0.20 | 0.19 | 0.21 | 0.20 | 0.22 | 0.22 | 0.22 | 0.23 | 0.24 | 0.27 | 0.27 |
| — | +205.0% | +1169.8% | +187.7% | +154.1% | -64.7% | -18.9% | -70.3% | -72.7% | +0.2% | -7.4% | -13.5% | -2.3% | -10.9% | -9.4% | -16.6% | -18.7% | -22.8% | -13.9% | -5.0% | +21.3% | |
| Quick Ratio | 0.15 | 0.22 | 2.05 | 0.17 | 0.15 | 0.07 | 0.16 | 0.06 | 0.06 | 0.21 | 0.20 | 0.19 | 0.21 | 0.20 | 0.22 | 0.22 | 0.22 | 0.23 | 0.24 | 0.27 | 0.27 |
| — | +205.0% | +1169.8% | +187.7% | +154.1% | -64.7% | -18.9% | -70.3% | -72.7% | +0.2% | -7.4% | -13.5% | -2.3% | -10.9% | -9.4% | -16.6% | -18.7% | -22.8% | -13.9% | -5.0% | +21.3% | |
| Interest Coverage | 0.59 | 1.66 | -0.62 | 0.62 | 0.65 | 0.58 | 0.59 | 0.54 | 0.42 | 0.49 | 0.47 | 0.39 | 0.50 | 0.68 | 0.77 | 0.72 | 1.25 | 1.74 | 3.87 | 3.03 | 3.70 |
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Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying BFST stock.
Business First Bancshares, Inc.'s current P/E is 11.1x. The average P/E over the last 4 quarters is 10.2x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Business First Bancshares, Inc.'s current operating margin is 35.4%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Business First Bancshares, Inc.'s business trajectory between earnings reports.