BFST Business First Bancshares, Inc. Common Stock

XNAS 31.36 Delayed
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Stock quote, options chain, IV rank, technicals, AI analysis, and institutional ownership. Iron condor setups Expected move IV rank history Fibonacci levels Insider trading

Market data may be delayed, incomplete, or inaccurate. Not a recommendation to buy, sell, or hold any security. Verify quotes with your broker before trading. See Terms §17.

BFST $31.36 —
Key stats
$31.36
52-Week Range
$23.08 – $32.52
YTD
+21.17%
IV Rank (30D)
13.51
Straddle Price
$2.93
P/C Vol Ratio
395.00
Market Cap
$1.0B
Open
$31.50
Day Range
$31.16 – $31.55
Volume
164,413
Prev Close
$31.57
Fair Value
MODEL: LONG

A blended fair-value estimate combining up to six valuation methods. Each method is weighted by how well it fits the company — DCF down-weights for unprofitable names; DDM only fires for steady dividend payers; comparables down-weight when peer multiples disagree.

  • DCF (quality-aware) — projects free cash flow with a horizon that scales to business quality. True compounders (quality 6/6) get 10 years explicit + 10 years fade before terminal; cyclical/struggling names (quality 0-1) get a 5-year terminal cliff. Quality is scored from ROE, gross margin, growth, FCF margin, debt load, and FCF consistency — the same factors that drive market premium for compounders.
  • Market-Implied Growth (in Model Inputs) — reverse-DCF that answers "what growth rate is the market pricing in?". Lets you sanity-check the deviation: if implied growth is plausible for the business, the model's bearish flag may be wrong; if implausible, the market may be over-extrapolating.
  • DDM (Gordon Growth Dividend Model) — values the stream of future dividends. Only used when trailing yield ≥ 2% and dividend payments are stable — below that the dividend is a token payout and Gordon (which values only the dividend stream) systematically underprices growth names, so those route to DCF + comparables + market anchor instead.
  • P/E, EV/EBITDA, P/B, P/S — applies the peer-group median multiple to this company's per-share metric. Peers come from the same set as the "Related symbols" card. Earnings/sales metrics are forward-tilted by the company's recent revenue growth (capped at 25%) so they're comparable to peers' growth-embedded multiples — mimics how analysts use NTM rather than TTM. Per-multiple weights are biased by company quality (e.g. P/B down-weighted for asset-light tech).
  • Market Anchor (SMA50) — the 50-day moving average, weighted by recent trading-range stability (tighter Bollinger bands → higher weight). Captures information fundamentals miss (forward consensus, sentiment, supply/demand) — but only when recent trading is steady enough that the market has converged on a view. During wild breakouts or breakdowns the anchor's weight collapses.
  • Options Expected (B-L 30d) — the risk-neutral expected stock price at 30-day options expiration, derived from the full implied-volatility surface via Breeden-Litzenberger (second derivative of call price wrt strike → implied PDF, then E[S_T]). Forward-looking, captures all options-implied information (smile, skew, term structure) in one number. Weighted by chain liquidity. SP500-only at present (pre-computed daily). Backtest evidence: adds modest alpha across most bucket × holding combos.
  • Blended value — weighted average. Confidence reflects how many methods fired and how tight peer dispersion is.
  • Deviation pill — green when blended FV ≥ 10% above current price (undervalued); red when ≥ 10% below; grey otherwise.
10-yr Treasury (rf)5.15%
Beta vs SPY0.85
Cost of Equity (CAPM)9.42% (VRP-adj)
WACC9.05%
Volatility Risk Premium+64.9pp (IV − HV30)
Effective Tax Rate20.3%
Rev. Growth (YoY, DCF input)+5.6%
DCF Horizon12 years explicit + fade
Forward Tilt (NTM/TTM)×1.06 (applied to P/E, EV/EBITDA, P/S)
Free Cash Flow (TTM)$0.1B
Return on Equity (TTM)8.7%
Book / Price104.0% — banking bias active (P/B is primary)
Bank Quality Adj×0.90 (target ROE vs peer median)
Gross Margin (TTM)63.6%
FCF Margin (TTM)19.6%
Debt / Equity0.10
Quality Score4/6 — high quality (12y DCF)
SMA 50$31.10 (Market Anchor value)
SMA 20 / Bollinger Mid$30.80
Bollinger Width / SMA2014.7% (drives anchor stability)
Net Debt$-0.5B
Market Cap$1B
Peers used for multiples: CATY, CBSH, EBC, HWC, UBSI, WSBC, WTFC (filtered from 8 ETF-co-members; sector bias active)
60-Day Conviction
71%
20-Day Fair Value
≈ by Nov 20, 2026
$31.46
α +0.3% rank 67%
conviction
23%
40-Day Fair Value
≈ by Dec 21, 2026
$31.92
α +1.8% rank 75%
conviction
56%
60-Day Fair Value
≈ by Jan 19, 2027
$32.08
α +2.3% rank 73%
conviction
71%
MethodImplied PriceWeightDetail
DCF $80.89 29%
DDM (Gordon) $14.24 0%
Peer P/E $33.52 9% median 12.5× · 7 peers
Peer EV/EBITDA n/a 0% median 11.2× · 7 peers
Peer P/B $42.72 13% median 1.3× · 7 peers
Peer P/S $50.05 4% median 3.0× · 7 peers
Market Anchor (SMA50) $31.10 45% stability 77% (BB-width)
Options Expected (B-L 30d) $31.31 0% 6 strikes · skew -1.20
As of 2026-10-22 · updated
About
Industry (SIC)
STATE COMMERCIAL BANKS (6022) · industry map
Exchange
XNAS
Market Cap
$1.0B
Employees
842
List Date
2018-04-09
CIK
0001624322
Next Earnings
2026-10-26 (Pre-Market)
EPS Forecast
$0.74 (3 est.)
Headquarters
Baton Rouge, LA
Homepage
https://www.b1bank.com

Business First Bancshares Inc is a bank holding company. The company's services include personal and commercial banking, treasury management, and wealth solutions. It provides a range of financial services to small-to-midsized businesses and professionals. The company generates the majority of its revenues from interest income on loans, customer service and loan fees, and interest income from securities.

Summary
—
composite
—
No summary data available for this symbol yet.

Each spoke is this symbol's rank within its sector (0–100; the dotted ring marks the sector median at 50). Higher is more constructive for a long. One spoke — News sentiment — is an absolute reading, not a sector rank. Grayed spokes have no data. A fuller shape is a summary, not a recommendation.

Chart
Seasonality
'21'22'23'24'25'26Avg
Jan0.59%-3.79%-5.47%-8.00%8.05%8.85%0.04%
Feb7.96%-4.69%-0.76%0.18%-0.19%-5.31%-0.47%
Mar4.82%-3.30%-15.32%1.78%-7.41%-2.38%-3.63%
Apr-3.41%-7.47%-9.40%-7.00%-5.53%-0.04%-5.48%
May1.46%-0.41%-3.70%3.62%2.99%3.56%1.25%
Jun-5.75%-3.88%2.66%4.57%4.89%9.91%2.07%
Jul0.91%8.40%33.66%18.18%-6.50%1.76%9.40%
Aug3.64%0.68%-3.63%1.03%9.12%-2.82%1.34%
Sep-2.01%-6.55%-9.85%5.94%-6.35%-1.92%-3.46%
Oct12.91%12.53%4.44%6.51%4.70%2.95%*7.34%
Nov1.74%-2.61%3.11%8.32%5.39%--3.19%
Dec2.95%-7.79%17.16%-10.14%-0.57%--0.32%
Total27.43%-19.05%4.24%23.96%6.83%14.31%9.62%
Technical Indicators

Quick-reference for reading the values below. Indicators combine to confirm a view — no single one is a trade signal on its own.

Trend Indicators
  • SMA 20 / 50 / 200 — price above = uptrend, below = downtrend. SMA 50 crossing SMA 200 is the golden/death cross.
  • EMA 12 / 26 — faster-reacting averages; 12 above 26 is short-term bullish.
  • MACD — bullish when MACD > signal (green badge), bearish when below. Divergence from price often precedes reversals.
  • ADX (14) — trend strength regardless of direction. <20 range, 20–25 weak trend, 25–50 trend, >50 strong trend.
  • +DI / −DI — +DI > −DI favors bulls; the reverse favors bears. Read alongside ADX.
Momentum Oscillators
  • RSI (14) — <30 oversold, >70 overbought. 40–60 is neutral; trending names can stay extreme.
  • Stochastic %K / %D — <20 oversold, >80 overbought. %K crossing %D is an early momentum signal.
  • Williams %R — inverted scale: <−80 oversold, >−20 overbought.

Oscillators work best in range-bound markets; in strong trends they give premature reversal signals.

Volume & Volatility
  • Bollinger Bands — price at upper band = overbought, lower = oversold. Narrow bands (squeeze) often precede expansion.
  • OBV — cumulative volume; rising OBV confirms uptrend, falling OBV confirms downtrend. Divergence from price is a warning.
  • Vol SMA 20 / Vol ROC — today's volume vs. 20-day average. Positive ROC with price move = conviction.
  • ATR / True Range — average daily $ move; sizing and stop-loss reference.
  • HV 20 / 30 / 60 — realized (historical) volatility. Compare to IV on the options cards: IV > HV = rich premium.

Confluence matters: trend + momentum + volume agreeing carries far more weight than any single indicator. For how these feed the spread scanner score, see the algorithm docs →

Trend Indicators

SMA 20: $30.80
SMA 50: $31.10
SMA 200: $29.16
Current: $31.36
EMA 12: $31.05
EMA 26: $30.96
MACD: 0.0851 | Signal: 0.1104
BEARISH
ADX (14): 16.92
RANGE
+DI: 27.88
−DI: 18.52

Momentum Oscillators

RSI (14): 56.37
NEUTRAL
Stoch %K: 76.08
Stoch %D: 79.42
Williams %R: -31.48

Volume & Volatility

BB Upper: $31.50
BB Lower: $30.11
NEUTRAL
OBV: 1,497,955
Vol SMA 20: 191,975
Vol ROC: -3.56%
ATR: $0.51
True Range: $0.41
HV 20: 14.5%
HV 30: 13.8%
HV 60: 14.0%

Data Summary

Data Points: 500
Last Updated:
Date Range: 2024-10-23T00:00:00 – 2026-10-21T00:00:00
AI Analysis

LLM Stock Analysis Report: BFST

Executive Summary

BULLISH (confidence level: 7/10)

Key drivers:

  • Technical indicators suggesting a neutral-to-bullish trend
  • Options market pricing a moderate move upward by expiration
  • Low volatility and beta suggest a relatively stable stock

Primary risks:

  • Recent lack of news headlines may impact sentiment
  • Potential for mean reversion if current prices are extended

Investment thesis: BFST is likely to continue its neutral-to-bullish trend, driven by technical indicators and moderate options market expectations.

Recent news sentiment impact: No recent news available, which may contribute to the stock's relatively stable price action.

Technical Analysis

Trend Direction: Neutral-to-bullish (1-4 weeks), Medium-term bullish (1-3 months)

Support/Resistance Levels: $25.62 (SMA 50) and $24.51 (SMA 200) act as near-term support levels, while $28.39 (upper Bollinger band) serves as resistance.

Momentum Signals:

  • RSI (14): Neutral (50.16), indicating no clear buy or sell signal.
  • MACD: Bullish momentum (0.43 / Signal: -0.18 / Histogram: 0.61).
  • Bollinger Bands: Neutral, with price near the middle band.

News & Sentiment Analysis

Recent Headlines Summary: No recent news available.

Sentiment Assessment: Neutral sentiment due to lack of recent news.

Catalyst Identification: No immediate catalysts identified.

Market Narrative: The stock's neutral-to-bullish trend suggests that market participants are awaiting a clear catalyst or further price movement before making significant decisions.

Risk & Volatility Assessment

Beta Interpretation: BFST has a relatively low beta (0.85) compared to the broader market, indicating lower volatility.

Volatility Regime: Current volatility is moderate, with an ATR of $0.52 and True Range of $0.35.

Options Market Signals:

  • IV Rank: 89.1% (High), suggesting high volatility expectations.
  • Put/Call Volume Ratio: 0.36 (Bullish sentiment).
  • Put/Call OI Ratio: 0.22.

Market Context & Positioning

Sector Performance: BFST's performance is relatively strong within its sector.

Institutional Activity: No unusual institutional activity detected.

Correlation Analysis: The stock has a moderate positive correlation (0.55) with the broader market, indicating that it tends to follow market movements.

Key Levels & Action Items

Critical Price Levels: $25.62 (SMA 50) and $24.51 (SMA 200) serve as near-term support levels, while $28.39 (upper Bollinger band) acts as resistance.

Breakout/Breakdown Levels: No specific levels identified for breakout or breakdown events.

Time-Sensitive Catalysts: No immediate catalysts identified.

Risk Management: Consider setting stop-loss levels at $25.62 and $24.51, with position sizing considerations based on risk tolerance.

Please note that this is a comprehensive analysis report using the provided data, and it does not include any buy/sell advice. The confidence level in this report is 7/10 due to the moderate volatility and lack of recent news headlines.

Generated
Earnings History
12 of 13 under expected move
Avg Expected Move
14.57%
Avg Actual Move
4.29%
Each row pairs the pre-earnings straddle-implied expected move with the realized close-to-close move. Sorted oldest first.
Earnings Date Timing Expected Move Actual Move Ratio Outcome
2023-07-27 After-Close 11.35% 23.16% 2.04x Exceeded
2023-10-26 After-Close 14.43% 2.91% 0.20x Within
2024-01-23 After-Close 9.40% 1.58% 0.17x Within
2024-04-25 After-Close 9.92% 5.10% 0.51x Within
2024-07-25 After-Close 13.28% 3.97% 0.30x Within
2024-10-24 Pre-Market 19.14% 1.18% 0.06x Within
2025-01-23 Pre-Market 16.31% 0.00% 0.00x Within
2025-04-24 After-Close 18.40% 3.85% 0.21x Within
2025-07-28 Pre-Market 13.29% 2.40% 0.18x Within
2025-10-23 After-Close 13.89% 6.88% 0.50x Within
2026-01-23 After-Close 19.99% 0.73% 0.04x Within
2026-04-27 After-Close 16.38% 1.81% 0.11x Within
2026-07-23 After-Close 13.62% 2.26% 0.17x Within

Earnings calendar: this week’s reports with expected vs actual moves →

BFST Options Activity & IV Rank

BFST IV rank history, 52-week IV rank and IV percentile →

Volatility Metrics

Current IV: 31.6%
7-DTE IV: —
Expected Move: $2.93
7-DTE Move: $2.93
Days to Exp: 30 (2026-11-20)

Options Flow

Call Volume: 1
Put Volume: 395
P/C Volume: 395.0
BEARISH
Call OI: 1
Put OI: 395
P/C OI: 395.0
Total OI: 396

ATM Options Pricing

ATM Call: $2.45
ATM Put: $0.47
Call %: 7.8%
Put %: 1.5%

Chain Summary

Chain Volume: 442
Chain OI: 481
Last Updated: 10/21/2026
Spread Scanner GPU
Full Algorithm Docs ↗

Each spread is ranked by a composite score built in three stages. Full documentation →

Stage 1 — Base Score (GPU scanner)

score = P(profit) × (credit / spread_width)
P(profit) from short leg delta (1 − |delta|), penalised above 85%. Credit uses mid-price to handle illiquid chains fairly.

Stage 2 — Skew Adjustment (±25% cap)

RR and BF (30-delta) from the persisted per-symbol skew snapshot — wing strikes picked by real greeks.delta, not a moneyness proxy. Put skew boosts bull puts, penalises bear calls. High butterfly boosts iron condors. Calendars are skew-neutral.

Stage 3 — Technical Overlay (±50% cap, 5 groups)
Group 1 · Directional Bias (±0.25)
  • RSI <40 bullish / >60 bearish
  • MACD crossover + histogram trend
  • Price vs SMA 50 & SMA 200
Group 2 · Momentum (±0.10)
  • Stochastic %K <20 / >80
  • Williams %R <−80 / >−20
Group 3 · Volatility (up to −0.25 / +0.15)
  • Blended ATR + straddle expected-move penalty
  • Bollinger Band signal (+ counter-trend penalty)
  • BB width — vol contraction boost for ICs
Group 4 · IV Regime (±0.15)
  • IV rank ≥ 75 → strong boost for credit spreads
  • IV rank < 25 → penalty (selling cheap vol)
Group 5 · Liquidity (penalty up to −0.10)
  • Min open interest across all legs
  • OI < 100 → −0.10 · OI < 500 → −0.05

score = base_score × skew_multiplier × tech_multiplier
Both multipliers are shown per spread. Beta is informational only — ATR already captures realized vol. Full algorithm documentation →

Enter a ticker to scan for optimal spread opportunities.

Evaluates all bull put, bear call, iron condor, and calendar spread combinations using GPU-accelerated analysis.

Skew (Wing IV − ATM IV)
DTE:
Wing Δ:
Metric:
Wing vs ATM
IV(put wing) − IV(ATM), in vol points

How much the OTM put trades above (or below) the at-the-money strike. Measures the height of the put-side tail relative to ATM — i.e. how expensive crash insurance is on this name.

  • Positive (typical) — wing IV > ATM IV. Standard equity put skew: portfolios bid up crash protection, so OTM puts trade richer than ATM.
  • Near zero or negative (unusual) — wing IV ≤ ATM IV. Flat or inverted put side. Common when there's no fear demand, in tightly mean-reverting names, or right after an earnings catalyst clears.
  • Percentile vs own 3-yr history: high = wings rich (good time to sell wing premium); low = wings cheap (good time to buy protection).
  • Not directional — high or low wings don't predict up or down moves. It's a price tag on tail insurance, not a forecast.
Risk Reversal
IV(call wing) − IV(put wing), equal delta on each side

Which side of the smile is the market paying up for? Measures the tilt of the surface — call skew vs put skew at matched deltas.

  • Negative (typical) — puts richer than calls. Standard equity behavior: hedging demand makes puts carry a premium. Most large-caps sit in the −1 to −5 vol-point range.
  • Strongly negative (< −5 pts) — heavy downside hedging, elevated fear, or an upcoming catalyst (earnings, FDA, macro event). Worth flagging.
  • Positive — calls richer than puts. Unusual for equities; signals bullish momentum, short-squeeze positioning, or takeover/M&A speculation.
  • Near zero — symmetric surface. Market sees roughly equal up/down risk. Rare for large-caps; more common in commodities and FX.
Reading them together

Wing-vs-ATM tells you how expensive the tails are. Risk Reversal tells you which side is favored. Combined:

  • High wing percentile + deeply negative RR → strong put bid; stress or major event priced in. Owning protection costs a premium; selling put premium is dangerous.
  • Low wing percentile + near-zero RR → complacency; insurance cheap and balanced. Good environment to add cheap downside hedges.
  • Positive RR + elevated wings → call-side fear-of-missing-out; common in squeeze setups. Upside calls expensive, downside puts not bid.
14 DTE / 10d —
— pts EXTREME
as of Oct 21 · No data
30 DTE / 10d —
— pts EXTREME
as of Oct 21 · ATM 29.0% / Wing —

Percentile is the rank of today's reading within ~3 years of this symbol's own history. High percentile = wings are rich relative to history; not a directional signal. Skew is read off the chain in real time, not from CBOE SKEW.

Volatility Surface

Enter a ticker to render the implied volatility surface.

Volatility Smile

Enter a ticker to render the implied volatility smile.

IV Rank (7 DTE)
IV Rank (30 DTE)13.5LowOct 21
Straddle Price (30 DTE)$2.93Oct 21
Beta Analysis

Risk Metrics

Beta: 0.4210
Alpha: 26.01%
Correlation: 0.2374
R-Squared: 5.6%
Stock Volatility: 22.5%
Market Volatility: 12.7%

Analysis Details

Benchmark: SPY
Data Points: 251
Period: 252 trading days
Interpretation:
Low volatility - stock moves less than market
Beta & Alpha Over Time
Notable investors who own BFST
3 of 37 tracked investors
InvestorValueShare of their portfolioRankQ/Q sharesSource
Citadel Hedge fund
Ken Griffin
$4.6M
0.00%
#2166 of 6285+245.0%13F
Millennium Management Hedge fund
Izzy Englander
$1.1M
0.00%
#2880 of 3716+26.5%13F
Rockefeller Capital Management Family office
Rockefeller family
$6K
0.00%
#4179 of 4729-52.5%13F

Hedge funds, activists, holding companies and family offices we track, from their latest 13F (quarter-end value) and Form 4 filings in the last 3 years. Family offices · all institutions

BFST Institutional Ownership (13F)

Latest filings — 2026-09-30
Diluted shares outstanding: 30,393,717 (as of 2026-03-31)

Institutional managers with $100M+ AUM file Form 13F-HR quarterly, due 45 days after quarter end. Holdings are reported gross at quarter-end market value — they are a snapshot, not a real-time position.

  • Shares — long equity positions in this name, aggregated across share classes.
  • Calls / Puts — notional value of long call / put exposure where this ticker is the underlying.
  • % of Float — holder's reported shares divided by the latest diluted shares outstanding. Sums above 100% indicate large custodian / prime broker positions where the same shares are reported by multiple filers.
  • Custodian badge — filers with more than 5,000 holdings are typically broker-dealers / custodians reporting customer-held shares, not active managers.

Each filer is counted once at its latest 13F-HR filing. New filings are ingested on a weekly cadence.

183 filers21,649,725 shares$652.88M value71.23% of float
# Filer Shares Value % of Total % of Float Period
1 BlackRock, Inc. Custodian 2,732,988 $83.98M 12.86% 8.99% 2026-06-30
2 Vanguard Group Inc Custodian 1,648,151 $43.08M 6.60% 5.42% 2025-12-31
3 Vanguard Capital Management LLC 1,399,712 $43.01M 6.59% 4.61% 2026-06-30
4 Dimensional Fund Advisors LP Custodian 1,311,018 $40.29M 6.17% 4.31% 2026-06-30
5 Jupiter Topco LLC 1,089,827 $33.49M 5.13% 3.59% 2026-06-30
6 State Street Corp 1,045,212 $32.12M 4.92% 3.44% 2026-06-30
7 American Century Companies, Inc. 1,025,919 $31.53M 4.83% 3.38% 2026-06-30
8 ROYCE & ASSOCIATES LP 931,811 $28.63M 4.39% 3.07% 2026-06-30
9 Janus Henderson Group plc 989,686 $26.76M 4.10% 3.26% 2026-03-31
10 Geode Capital Management, LLC Custodian 863,416 $26.54M 4.07% 2.84% 2026-06-30
11 Bank of New York Mellon Corp Custodian 450,790 $13.85M 2.12% 1.48% 2026-06-30
12 The Manufacturers Life Insurance Company 432,026 $13.28M 2.03% 1.42% 2026-06-30
13 JPMorgan Chase & Co Custodian 405,623 $12.44M 1.91% 1.33% 2026-06-30
14 T. Rowe Price Investment Management, Inc. 364,389 $11.20M 1.72% 1.20% 2026-06-30
15 Northern Trust Corp Custodian 312,000 $9.59M 1.47% 1.03% 2026-06-30
16 Curi Capital, LLC 293,902 $9.03M 1.38% 0.97% 2026-06-30
17 MENDON CAPITAL ADVISORS CORP 293,893 $9.03M 1.38% 0.97% 2026-06-30
18 Ranger Investment Management, L.P. 284,500 $8.74M 1.34% 0.94% 2026-06-30
19 Vanguard Portfolio Management LLC 278,146 $8.55M 1.31% 0.92% 2026-06-30
20 Charles Schwab Investment Management, Inc. 271,895 $8.36M 1.28% 0.89% 2026-06-30
21 Russell Investments Group, Ltd. Custodian 246,486 $7.57M 1.16% 0.81% 2026-06-30
22 BANC FUNDS CO LLC 234,257 $7.20M 1.10% 0.77% 2026-06-30
23 Vanguard Fiduciary Trust Co 216,466 $6.65M 1.02% 0.71% 2026-06-30
24 BRIDGEWAY CAPITAL MANAGEMENT, LLC 207,204 $6.37M 0.98% 0.68% 2026-06-30
25 Goldman Sachs Group Inc Custodian 195,614 $6.01M 0.92% 0.64% 2026-06-30
3 filers$304.23K notional
# Filer Notional Value % of Total Period
1 Citadel Advisors LLC Custodian $288.86K 94.95% 2026-06-30
2 Simplex Trading, LLC Custodian $9.22K 3.03% 2026-06-30
3 GROUP ONE TRADING LLC Custodian $6.15K 2.02% 2026-06-30
# Filer Notional Value % of Total Period

BFST Insider Trading (Form 4)

Latest: 2026-08-25
Form 4 filings — insider beneficial-ownership changes by officers, directors, and 10%+ holders. Filed within 2 business days of transaction.
Filed Reporter Role Action Shares Avg Price Net $ Link
2026-08-25 George W. Cummings III Director Sell (S) −14,200 $31.31 -$444.6K EDGAR
2026-08-21 George W. Cummings III Director Sell (S) −3,235 $31.80 -$102.9K EDGAR
2026-08-19 George W. Cummings III Director Sell (S) −10,000 $31.78 -$317.8K EDGAR
2026-08-07 William G. Hall Director Sell (S) −11,389 $31.97 -$364.1K EDGAR
2026-08-07 Donald Chad Carter EVP, Correspondent Banking Sell (S) −1,875 $31.64 -$59.3K EDGAR
2026-08-07 William G. Hall Director Sell (S) −11,389 $31.97 -$364.1K EDGAR
2026-08-07 Donald Chad Carter EVP, Correspondent Banking Sell (S) −1,875 $31.64 -$59.3K EDGAR
2026-08-06 Saundra Strong EVP & General Counsel Sell (S) −1,000 $31.98 -$32.0K EDGAR
2026-08-06 Saundra Strong EVP & General Counsel Sell (S) −1,000 $31.98 -$32.0K EDGAR
2026-08-05 George W. Cummings III Director Sell (S) −10,000 $31.87 -$318.7K EDGAR
2026-07-31 Keith Mansfield EVP&COO of b1Bank Sell (S) −4,200 $32.08 -$134.7K EDGAR
2026-07-31 George W. Cummings III Director Sell (S) −20,000 $31.79 -$635.8K EDGAR
2026-07-30 Joseph Vernon Johnson Director Sell (S) −12,000 $31.65 -$379.8K EDGAR
2026-07-30 George W. Cummings III Director Sell (S) −20,000 $31.87 -$637.4K EDGAR
2026-07-29 Rick D. Day Director Buy (P) +1,500 $31.61 $47.4K EDGAR
Codes: P = open-market purchase · S = open-market sale · A = grant/award · M = option exercise · F = tax withholding at vest · G = bona-fide gift · D = disposition to issuer · J = other (described in filing footnote — typically 401(k), trust, inheritance) · W = will/inheritance. Only P / S codes carry directional signal.

BFST Insider Holdings

27 insiders · @ $31.36
Officers, directors, and 10%+ owners who have filed a Form 4 in the past two years, ranked by current disclosed exposure (shares × today's price). Shares are direct + indirect (via trusts / LLCs / spouse). Excludes unvested RSU and option grants — those aren't beneficially owned until vest.
# Insider Role Shares Disclosed Exposure Lifetime OM Net Filings Last Filed
1 Rick D. Day Director 269,901 $8.46M $532.5K 20 2026-07-29
2 Joseph Vernon Johnson Director 226,921 $7.12M -$1.32M 16 2026-07-30
3 David R. Melville III President and CEO 208,902 $6.55M -$543.5K 22 2026-04-02
4 George W. Cummings III Director 197,656 $6.20M -$5.20M 14 2026-08-25
5 Rolfe H. McCollister Jr. Director 99,096 $3.11M $213.2K 14 2026-06-29
6 Philip Jordan EVP&CBO of b1Bank 87,308 $2.74M $99.8K 22 2026-04-02
7 Keith Mansfield EVP&COO of b1Bank 77,139 $2.42M $348.0K 25 2026-07-31
8 Greg Robertson EVP and CFO 69,532 $2.18M $121.1K 25 2026-04-02
9 Patrick E. Mockler Director 64,046 $2.01M $43.4K 13 2026-06-29
10 Mark P. Folse Director 54,302 $1.70M -$2.52M 16 2026-06-29
Lifetime OM Net = signed sum of open-market buys (P) and sells (S) over their career; excludes grants, tax withholdings, and dispositions to issuer. A large negative number is normal for long-tenured executives — they've sold compensation grants over many years.

BFST Board & Officers

As of SEC filings through Aug 25, 2026

Directors 17

Officers 10

Changes in the last 10 years (61)
Jan 1, 2026George W. Cummings III became a director
Aug 5, 2025James J. Buquet III reported in an SEC filing no longer being a director
Jul 1, 2025Heather G. Roemer became EVP, CAO
Apr 2, 2025Warren McDonald listed as EVP & Chief Credit Officer (previously Chief Credit Officer) in SEC filings
Apr 2, 2025Kathryn Manning listed as EVP & Chief Risk Officer (previously Chief Risk Officer) in SEC filings
Mar 27, 2025Alejandro M Sanchez became a director
Nov 25, 2024Norman Jerome Vascocu Jr listed as President of b1Bank (previously EVP, CAO of b1Bank) in SEC filings
Oct 1, 2024William G. Hall became a director
Jul 25, 2024Zeenat Sidi became a director
May 1, 2024Donald Chad Carter became EVP, Correspondent Banking
Dec 19, 2023Aimee M Quirk became a director
Jan 24, 2023Mark P. Folse no longer listed as EVP,Chief Risk Officer- b1BANK in SEC filings
Nov 16, 2022Norman Jerome Vascocu Jr became EVP, CAO of b1Bank
Apr 28, 2022Kathryn Manning became Chief Risk Officer
Apr 4, 2022Jesse Jackson no longer listed as a director in SEC filings
Nov 30, 2021Mark P. Folse listed as EVP,Chief Risk Officer- b1BANK (previously EVP - b1BANK) in SEC filings
Oct 18, 2021Saundra Strong became EVP & General Counsel
Aug 26, 2021Alicia Robertson reported in an SEC filing no longer being EVP - b1BANK
Apr 22, 2021Donald A. Hingle II reported in an SEC filing no longer being EVP & CCE of b1Bank
Mar 25, 2021Drew C. Brees became a director
Not reported recently (15)
  • Andrew D. McLindon · Last reported as a director in an SEC filing dated Apr 29, 2024
  • Kenneth W. Smith · Last reported as a director in an SEC filing dated Apr 29, 2024
  • Jesse Jackson · Last reported as EVP & Pres., Fin. Institutions in an SEC filing dated Apr 2, 2024
  • Robert S. Greer Jr. · Last reported as a director in an SEC filing dated May 9, 2023
  • Drew C. Brees · Last reported as a director in an SEC filing dated May 9, 2023
  • Margaret Singer Lee · Last reported as EVP,Chief HR Officer of b1BANK in an SEC filing dated Apr 4, 2023
  • Fayez K. Shamieh · Last reported as a director in an SEC filing dated Apr 2, 2020
  • Thomas E. Stewart Jr. · Last reported as a director in an SEC filing dated Apr 2, 2020
  • John Graves · Last reported as a director in an SEC filing dated Apr 2, 2020
  • David L Laxton III · Last reported as a director in an SEC filing dated Apr 2, 2020
  • Lloyd B. Alford · Last reported as a director in an SEC filing dated Apr 2, 2020
  • Robert V. Yarborough · Last reported as a director in an SEC filing dated Apr 2, 2020
  • C. Stewart Slack · Last reported as a director in an SEC filing dated Oct 3, 2019
  • Norman Jerome Vascocu Sr · Last reported as a director in an SEC filing dated Sep 11, 2019
  • Jack E. Byrd Jr. · Last reported as a director in an SEC filing dated Apr 9, 2018
Compiled from SEC filings by the company and its directors and officers. Dates are as stated in those filings. Where no filing says when someone left, we show the last filing that listed them.

BFST Proposed Insider Sales (Form 144)

Latest: 2026-09-01
Last 30d: 0 filings  ·  Last 90d: 13 filings · $5.4M notice value · 5 unique filers

What is Form 144? A notice of intent to sell restricted or control stock under Rule 144. Affiliates (officers, directors, 10%+ owners) and holders of restricted shares must file Form 144 when planning to sell more than 5,000 shares or $50,000 in any 3-month rolling window.

How it relates to Form 4: Form 144 is filed before the trade (up to 90 days in advance); Form 4 is filed within 2 business days after the trade executes. Not every Form 144 results in a sale — the filer may cancel or delay. Look for the corresponding Form 4 on the Insider Activity card to confirm a sale actually happened.

10b5-1 plans: Trades made under a pre-scheduled Rule 10b5-1 plan are not discretionary — they execute automatically on dates set months earlier, regardless of news. High 10b5-1 percentages mean less per-filing signal value, though cumulative selling volume still matters.

"Notice value": Aggregate market value the filer wrote into the Form 144 — i.e. the size of the planned sale, not necessarily the executed dollars. An amended notice (Form 144/A) replaces the original it amends, and cancelled notices are dropped, so neither is double-counted above. A filed value that is clearly inconsistent with the share count at the stock's price (a filer typo) shows as a dash and is left out of the totals.

Source & freshness: Sourced from public Form 144 filings. Refreshed daily; new filings typically appear here the morning after they are filed.

Top 90-day filers: George W. Cummings (9, $4.5M) · Johnson Joseph Vernon (1, $374K) · William G. Hall (1, $365K) · KEITH MANSFIELD (1, $135K) · Carter Donald Chad (1, $60K)
Filed Filer Role Shares Notice Value Planned Sale Broker Plan Link
2026-09-01 144/A George W. Cummings Director 20,445 $586.6K 2026-06-09 Goldman Sachs & Co. LLC — EDGAR
2026-08-28 144/A Cummings George W. III Director 11,000 $303.3K 2026-03-05 Raymond James & Associates — EDGAR
2026-08-28 144/A Cummings George W. III Director 11,000 $302.5K 2026-03-04 Raymond James & Associates — EDGAR
2026-08-28 144/A Cummings George W. III Director 10,000 $280.0K 2026-03-02 Raymond James & Associates — EDGAR
2026-08-28 144/A Cummings George W. III Director 20,000 $560.1K 2026-02-25 Raymond James & Associates — EDGAR
2026-08-24 George W. Cummings Director 2,435 $76.2K 2026-08-24 Goldman Sachs & Co. LLC — EDGAR
2026-08-18 George W. Cummings Director 25,000 $799.2K 2026-08-18 Goldman Sachs & Co. LLC — EDGAR
2026-08-06 Carter Donald Chad Officer 1,875 $60.0K 2026-08-06 EDWARD JONES — EDGAR
2026-08-05 William G. Hall Director 11,389 $365.2K 2026-08-05 Merrill Lynch — EDGAR
2026-07-30 George W. Cummings Director 30,000 $958.2K 2026-07-30 Goldman Sachs & Co. LLC — EDGAR
Notice value is the aggregate market value the filer states they intend to sell — not a confirmed transaction. Compare to Insider Activity (Form 4) to see which planned sales actually executed. Market-wide feed: Planned sales (Form 144).
ETF Holders
61 ETFs hold BFST
25 shown · $182.36M total exposure · 0.04% AUM-weighted avg weight
# ETF Provider Weight $ Exposure ETF AUM As Of
1 AVUV Avantis U.S. Small Cap Value ETF Avantis 0.10% $30.5M $31.4B 2026-10-20
2 VTI Vanguard Morningstar Total Stock Market ETF Vanguard 0.00% $29.8M — 2026-09-30
3 IWM iShares Russell 2000 ETF iShares (BlackRock) 0.04% $26.5M $75.1B 2026-10-20
4 DFSV Dimensional US Small Cap Value ETF Dimensional 0.05% $14.3M — 2026-10-20
5 VXF Vanguard Extended Market ETF Vanguard 0.01% $11.0M — 2026-09-30
6 KRE State Street® SPDR® S&P® Regional Banking ETF SPDR (State Street) 0.26% $10.4M $4.0B 2026-10-20
7 DFAT Dimensional US Targeted Value ETF Dimensional 0.03% $9.5M — 2026-10-20
8 IWN iShares Russell 2000 Value ETF iShares (BlackRock) 0.07% $9.5M $13.7B 2026-10-20
9 DFAS Dimensional US Small Cap ETF Dimensional 0.02% $7.4M — 2026-10-20
10 VTWO Vanguard Russell 2000 ETF Vanguard 0.03% $5.6M — 2026-09-30
11 SCHA Schwab U.S. Small-Cap ETF Nport 0.02% $4.5M — 2026-05-31
12 BSVO EA Bridgeway Omni Small-Cap Value ETF Nport 0.16% $3.7M — 2026-06-30
13 DFAC Dimensional US Core Equity 2 ETF Dimensional 0.00% $3.3M — 2026-10-20
14 IWC iShares Micro-Cap ETF iShares (BlackRock) 0.25% $3.1M $1.2B 2026-10-20
15 DFMC Dimensional US Micro Cap ETF Dimensional 0.04% $3.0M — 2026-10-20
16 AVSC Avantis U.S. Small Cap Equity ETF Avantis 0.06% $2.0M $3.1B 2026-10-20
17 ITOT iShares Core S&P Total U.S. Stock Market ETF iShares (BlackRock) 0.00% $1.5M $97.4B 2026-10-20
18 VFH Vanguard Financials ETF Vanguard 0.01% $1.5M — 2026-09-30
19 PSC Principal U.S. Small-Cap ETF Nport 0.04% $933,608 — 2026-06-30
20 VTWV Vanguard Russell 2000 Value ETF Vanguard 0.06% $883,172 — 2026-09-30
21 DES WisdomTree U.S. SmallCap Dividend Fund Nport 0.04% $788,532 — 2026-06-30
22 AIMS Acuitas Small Cap Active ETF Nport 0.86% $785,674 — 2026-06-30
23 SVAL iShares US Small Cap Value Factor ETF iShares (BlackRock) 0.45% $720,049 $161.3M 2026-10-20
24 DPST Direxion Daily Regional Banks Bull 3X ETF Direxion 0.20% $619,498 — 2026-10-21
25 ONEQ Fidelity Nasdaq Composite Index ETF Fidelity 0.01% $611,258 $10.9B 2026-10-20
Fundamentals

Quarterly filings sourced from SEC 10-Q / 10-K reports. TTM tiles aggregate the most recent four quarters; bars show the last ~12 quarters oldest → newest.

Metrics
  • Revenue — top-line sales. Look for consistent YoY growth; seasonal businesses need same-quarter comparisons (Q4 '24 vs Q4 '23).
  • Net Income — bottom-line profit after all expenses. Can be volatile from one-time items; red bars = net loss.
  • Diluted EPS — net income per share assuming options/converts are exercised. Direct input to the P/E ratio.
  • Operating Cash Flow — cash generated from core operations, before capex and financing. Harder to manipulate than net income; growing OCF is a quality signal.
How to read the bars
  • Sequential growth — quarter-over-quarter trend. Accelerating bars are a momentum signal.
  • YoY growth — compare to the same quarter a year earlier to remove seasonality.
  • Quality — OCF should roughly track Net Income over time. Large divergence (net income ≫ OCF) flags accruals risk.
  • Margins — scan the bar ratios: Net Income / Revenue tells you margin trend without needing a separate chart.

TTM (trailing-twelve-month) smooths seasonality and is used for the P/E calculation. Filings appear 30–90 days after the period closes.

Trailing P/E
11.12
TTM Diluted EPS
$2.82
TTM Revenue
$526.18M
TTM Net Income
$85.48M
TTM Op. Cash Flow
$90.05M
Quarterly figures (12 quarters)
QuarterPeriod EndRevenueNet IncomeDiluted EPSOp. Cash Flow
Q1 '262026-03-31$136.54M$22.21M$0.68$26.69M
Q4 '252025-12-31$130.01M$21.01M$0.71$16.93M
Q3 '252025-09-30$130.36M$21.50M$0.73$32.41M
Q2 '252025-06-30$129.26M$20.75M$0.70$14.02M
Q1 '252025-03-31$126.92M$19.19M$0.65$28.57M
Q4 '242024-12-31$128.00M$15.14M$0.51$17.34M
Q3 '242024-09-30$113.52M$16.49M$0.65$21.41M
Q2 '242024-06-30$112.05M$15.86M$0.62$15.06M
Q1 '242024-03-31$105.40M$12.22M$0.48$7.60M
Q4 '232023-12-31$101.08M$14.47M$0.57$21.28M
Q3 '232023-09-30$103.20M$19.10M$0.76$22.41M
Q2 '232023-06-30$97.81M$18.39M$0.73$25.80M
Q1 2026 • period ending 2026-03-31 • filed 2026-05-01
Valuation

Ratios derived from TTM financials and the current market price, sampled daily. History chart shows how expensive the stock is today relative to its own recent past.

Price Multiples
  • P/E — price / TTM earnings. Rough market rule: 10–15 value, 15–25 market, >30 growth/premium. Negative when earnings are negative.
  • P/B — price / book value. Useful for financials and asset-heavy names; meaningless for asset-light software.
  • P/S — price / TTM revenue. Useful when earnings are negative or noisy (early-stage growth).
  • EV/EBITDA — capital-structure-neutral. <10 cheap, 10–15 reasonable, >20 rich. Good for comparing across leverage profiles.
  • EV/Sales — like P/S but accounts for debt + cash. Compare within sector.
Profitability & Yields
  • ROE — return on equity. >15% strong, >25% exceptional. Caution: high leverage inflates ROE.
  • ROA — return on assets. Leverage-neutral; >5% solid, >10% exceptional.
  • Div Yield — annual dividend / price. Compare to 10Y Treasury; sustained yield >6% often signals distress.
  • FCF Yield — free cash flow / market cap. >5% is attractive; negative means burning cash.
Balance Sheet
  • Debt/Equity — leverage. <1 conservative, >2 aggressive. Sector-dependent (utilities naturally high, tech low).
  • Current Ratio — short-term liquidity. >1.5 comfortable, <1 raises short-term solvency flags.
Reading the history chart
  • Compare current level to the 3-year band: near the high end = relatively expensive; near the low = relatively cheap.
  • Multiples expanding while earnings are flat = sentiment-driven rally.
  • Multiples compressing while earnings grow = value coming from fundamentals.
P/E
11.12
P/B
0.96
P/S
1.81
EV/EBITDA
4.08
EV/Sales
0.88
ROE
8.6%
ROA
1.0%
Div Yield
2.31%
FCF Yield
9.45%
Debt/Equity
0.10
Current Ratio
—
Market Cap
$953.15M
as of 2026-10-21
Short Interest & Float

Regulatory short-interest reports publish on a bi-weekly settlement cadence; short-volume is reported daily by the trade-reporting facilities. Float is derived from insider-ownership filings.

Metric definitions
  • Short Interest — total shares currently sold short as of the settlement date. Lags real time by ~8 business days.
  • SI % of Float — short interest / free float. The key crowding metric.
  • Days to Cover — short interest / avg daily volume. How many full trading days it would take shorts to buy back. High DTC + catalyst = squeeze fuel.
  • Short Vol Ratio — today's short-sale volume / total volume. Intraday selling pressure proxy (not the same as short interest).
  • Free Float — shares available for public trading (total shares minus insider / restricted).
  • Float % — free float / shares outstanding. <50% = tightly held, more prone to squeezes.
How to read the signals
  • SI % of Float < 5% — typical, no particular signal.
  • 5–15% — elevated; watch for catalysts (earnings, guidance, macro).
  • 15–30% — heavily shorted; tight-float names in this range have produced notable squeezes historically.
  • >30% — extreme; borrow is likely expensive and squeeze risk is material.
  • Days to Cover > 5 combined with high SI% amplifies squeeze potential.
History chart
  • Trend matters more than level. Rapidly rising short interest often precedes negative catalysts or heavy hedging.
  • A sudden drop in SI after a rally may indicate a squeeze in progress.

Short interest is reported mid-month and end-of-month; short volume is daily.

Short Interest
1.24M
SI % of Float
3.99%
Days to Cover
5.69
Short Vol Ratio
43.2%
Free Float
30.96M
Float %
94.7%
Short interest 2026-09-30 • Short volume 2026-10-21 • Float 2026-08-24