Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Business First BancsharesFRA:828 65 FCF Margin % is 29.95% as of Mar. 2026, which is 22% above its 10-year median of 24.56. GuruFocus rates FRA:828 with a GF Score™ of 65/100 and a GF Value™ of €22.07. The stock has 6 warning signs investors should review. Among 1,507 Banks companies, Business First Bancshares ranks better than 51.76% on this metric.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
FRA:828 vs FBAK, CCNE, AMTB: FCF Margin % Comparison
For the Banks - Regional subindustry, Business First Bancshares's FCF Margin %, along with its competitors' market caps and FCF Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Business First Bancshares FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Business First Bancshares's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Business First Bancshares's FCF Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Business First Bancshares (FRA:828) has a FCF Margin % of 29.95% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Business First Bancshares and its competitors. This is 22% above median its historical median of 24.56. Over the past decade, Business First Bancshares' FCF Margin % has ranged from 14.93 to 32.06. According to the industry distribution chart, Business First Bancshares ranks #727 out of 1507 companies in the Banks industry, placing it in the top 48.2%.
Is Business First Bancshares' FCF Margin % too high?
Business First Bancshares' current FCF Margin % of 29.95% is 22% above median its 10-year median of 24.56. Over the past 10 years, this metric has ranged from a low of 14.93 to a high of 32.06. The Banks industry median FCF Margin % is 26.55. Business First Bancshares' value of 29.95% is 12.8% above this industry median. Based on the distribution chart, Business First Bancshares ranks #727 out of 1507 companies in the Banks industry, which is above the industry midpoint. Overall, Business First Bancshares has a GF Score™ of 65/100, reflecting its overall financial health beyond just this single metric.
How does Business First Bancshares' FCF Margin % compare to FBAK and CCNE?
According to the Banks industry distribution chart, Business First Bancshares ranks #727 out of 1507 companies for FCF Margin %. This puts Business First Bancshares in the upper half of its industry. The industry median FCF Margin % is 26.55. Business First Bancshares' value of 29.95% is 12.8% above this benchmark. Historically, Business First Bancshares' own FCF Margin % has ranged from 14.93 to 32.06 over the past decade. While the company's 10-year median is 24.56 vs. the industry median of 26.55, Business First Bancshares has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.55, based on 1,507 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Business First Bancshares's current FCF Margin % of 29.95% is 12.8% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Business First Bancshares and its competitors. For the Banks industry, the median FCF Margin % is 26.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Business First Bancshares's current FCF Margin % is 29.95%, which is 22% above median its own 10-year median of 24.56. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Business First Bancshares stock overvalued right now?
Business First Bancshares (FRA:828) has a current FCF Margin % of 29.95%. The stock's GF Value™ is €22.07, compared to a current price of €26.00 — trading 17.8% above its estimated fair value. The current FCF Margin % is 29.95%, which is 22% above median its 10-year median of 24.56 and 12.8% above the Banks industry median of 26.55. Business First Bancshares' overall GF Score™ is 65/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Business First Bancshares (FRA:828), the current FCF Margin % is 29.95% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Business First Bancshares (FRA:828) Overvalued in 2026?
Based on GuruFocus' analysis, Business First Bancshares stock appears to be overvalued.
The current stock price of €26.00 is trading 17.8% above its estimated GF Value™ of €22.07.
Key valuation signals for FRA:828:
FCF Margin %: 29.95% (22% above median its 10-year median of 24.56)
GF Value™: €22.07 vs. price of €26.00 (17.8% above fair value)
Industry Position: 12.8% above the Banks median (#727 of 1507)
No single metric tells the full story. See the FRA:828 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
65GF Score
Get the complete analysis for FRA:828
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:828 has been successfully added to your 
