$31.87

+0.05 (+0.16%)

Weekly Expected Move ±2.2%

$30 $31 $32 $32 $33

NASDAQ · Financial Services · Banks - Regional · Tech Score Buy · Power 67 · $1.0B mcap · 31M float · 0.756% daily turnover · Short 61% of daily vol

Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: none of note held by US funds details ▾

Not rated: lending and leverage are a financial company's business, which the model misreads.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.

Edge Score

Quantitative competitive moat analysis scoring five pillars of durable advantage — cost leadership, brand intangibles, switching costs, network effects, and efficient scale — using industry percentile rankings on a 0–100 scale.

NO EDGE

33.8 / 100

NoneWeakNarrowWide

Primary source: Switching Costs · ROIC: -27.2%

Cost Advantage

Intangibles

Switching Cost

Network Effect

Scale

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. BFST has No discernible competitive edge (33.8/100). The business operates without significant structural advantages. The primary source of advantage is Switching Costs. Negative ROIC of -27.2% indicates the company is currently destroying value, though this may reflect a growth investment phase.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

Low

$34

Avg Target

$34

High

Based on 5 analyst ratings (12 mo)

Analyst Recommendations

Strong Buy: 0Buy: 4Hold: 0Sell: 0Strong Sell: 0

Rating Summary

ConsensusBuy

Avg Target$33.60

Analysts5

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-07-24	Hovde Group	Feddie Strickland	Initiated	$36	—	+18.1%	$30.47
2026-04-27	Stephens	—	$35	$33	-2	+22.2%	$27.01
2026-01-26	D.A. Davidson	—	Initiated	$33	—	+20.4%	$27.40
2026-01-23	Stephens	—	Initiated	$35	—	+24.2%	$28.17
2026-01-07	Raymond James	—	$28	$31	+3	+18.0%	$26.28
2025-04-25	Raymond James	—	$29	$28	-1	+23.2%	$22.73
2022-12-13	Piper Sandler	—	Initiated	$27	—	+17.1%	$23.06
2022-07-07	Raymond James	—	Initiated	$29	—	+33.0%	$21.81

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

B+

Oct 27, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. BFST receives an overall rating of B+.

Rating Change History

Date	From	To
2026-10-12	A-	B+
2026-10-01	B+	A-
2026-08-14	B	B+
2026-07-30	B+	B
2026-07-27	B	B+
2026-07-25	B+	B
2026-07-16	A-	B+
2026-07-01	B+	A-
2026-05-18	B	B+
2026-05-11	B+	B

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 46 Grade A

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. BFST scores highest in Value (85/100) and lowest in Growth (43/100). An overall grade of A places BFST among the highest-quality companies in its peer group.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman-B Score

2.85

Grey Zone

Piotroski F-Score

6/9

✓ ✓ ✓ ✗ ✓ ✓ ✗ ✓ ✗

Beneish M-Score

-2.55

Unlikely Manipulator

Ohlson O-Score

-4.07

Bankruptcy prob: 1.7%

Low Risk

Credit Rating

BBB

Score: 56.3/100

Trend: Stable

Earnings Quality

75/100

OCF/NI: 0.99x

Accruals: 0.0%

The Altman-B Score replaces the traditional Z-Score for banks and financial institutions. It weights equity-to-assets, return on assets, retained earnings, market value coverage, and cash reserves — metrics that better capture bank solvency than manufacturing-oriented ratios. BFST scores 2.85, placing it in the Grey Zone (safe > 3.0, distress < 1.5). Financial distress is possible and warrants monitoring. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. BFST scores 6/9, indicating moderate financial health — some areas of strength offset by weaknesses in others. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. BFST's score of -2.55 falls below this threshold, suggesting earnings are unlikely to be manipulated. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. BFST's implied 1.7% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. BFST receives an estimated rating of BBB (score: 56.3/100), with a stable trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). BFST's score of 75/100 is high — cash flows strongly support reported earnings.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

11.38x

PEG

1.48x

P/S

2.23x

P/B

1.03x

P/FCF

10.97x

P/OCF

10.51x

EV/EBITDA

-1.76x

EV/Revenue

-0.43x

EV/EBIT

-1.84x

EV/FCF

-2.21x

Earnings Yield

9.61%

FCF Yield

9.12%

Shareholder Yield

3.66%

Graham Number

$44.64

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 11.4x earnings, BFST trades at a reasonable valuation. An earnings yield of 9.6% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $44.64 per share, suggesting a potential 40% margin of safety at the current price.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden

0.801

NI / EBT

Interest Burden

1.091

EBT / EBIT

EBIT Margin

0.233

EBIT / Rev

Asset Turnover

0.055

Rev / Assets

Equity Multiplier

8.990

Assets / Equity

ROE

10.1%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. BFST's ROE of 10.1% is driven by financial leverage (equity multiplier: 8.99x). Note: high leverage means ROE is amplified by debt rather than operational performance.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Two adjustments we make, and why. Growth is capped at 15%. Graham defined g as expected growth over the next seven to ten years, not last year's rate. Across US companies since 1994 the median realized 7-year EPS growth is 5–8% regardless of how fast a company grew beforehand, and of 4,457 company-quarters that grew faster than 200%, none sustained it. Uncapped, the formula assigned fair multiples in the hundreds to companies that had never held that rate — and scored worse than simply reading the P/E. Capped, it carries real information. The verdict has three states, not two. Tested over 377,249 stock-months, this ratio only separates outcomes at its extremes: below 0.25 beat the universe by 1.3 points a year, above 3.0 lagged by 2.7, and everything in between sat inside a one-point band. Rather than call two-thirds of the market "undervalued" on a threshold of 1.0, we say Neutral where the model cannot tell — which is most of the time.

Adj. Growth Rate

4.60%

Fair P/E

17.70x

Intrinsic Value

$51.17

Price/Value

0.59x

Margin of Safety

41.20%

Premium

-41.20%

Assessment

Neutral

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with BFST's realized 4.6% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. BFST trades at a -41% premium to its adjusted intrinsic value of $51.17, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 17.7x compares to the current market P/E of 11.4x.

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$31.87

Median 1Y

$30.78

5th Pctile

$15.63

95th Pctile

$60.58

Ann. Volatility

42.0%

25th–75th percentile 5th–95th percentile Median path Historical

Executive Compensation

C-suite compensation breakdown including salary, stock awards, options, and incentive pay. The CEO-to-employee pay ratio and Gini coefficient measure pay distribution fairness.

C-Suite Compensation

Executive	Salary	Stock	Total
David R. Melville, III Chairman, President, and Chief Executive Officer	$801,500	$864,506	$2,582,764
Norman "Jerry" Vascocu President of the Bank	$489,500	$476,999	$1,409,246
Gregory Robertson Financial Vice President and Chief Financial Officer	$434,000	$309,764	$1,047,067
Philip Jordan Banking ve Vice President and Chief Banking Officer	$432,500	$309,764	$1,038,770
Keith Mansfield Operating Vice President and Chief Operating Officer	$434,000	$309,764	$1,028,636

CEO Pay Ratio

16:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $2,582,764

Avg Employee Cost (SGA/emp): $159,357

Employees: 821

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Workforce efficiency metrics measuring revenue, profit, and R&D spend per employee — key indicators of operational leverage and human capital productivity.

Employees

821

-3.3% YoY

Revenue / Employee

$623,538

Rev: $511,925,000

Profit / Employee

$107,017

NI: $87,861,000

SGA / Employee

$159,357

Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Current
ROE	12.4%	11.1%	10.2%	10.3%	10.7%	11.5%	12.7%	13.2%	11.6%	11.2%	10.6%	9.9%	9.0%	9.8%	10.2%	10.4%	10.4%	10.0%	10.0%	10.1%	10.06%
ROA	1.2%	1.0%	0.9%	0.9%	1.0%	1.0%	1.1%	1.2%	1.1%	1.1%	1.0%	1.0%	0.9%	1.0%	1.1%	1.1%	1.1%	1.1%	1.1%	1.1%	1.12%
ROIC	-11.1%	-8.6%	-17.9%	32.8%	55.9%	15.7%	19.8%	35.6%	40.9%	3.4%	6.7%	1.0%	7.0%	7.9%	18.5%	8.8%	20.2%	56.9%	6.0%	-27.2%	-27.18%
ROCE	10.3%	8.9%	6.6%	5.1%	6.1%	5.3%	6.0%	7.4%	7.0%	8.0%	7.6%	6.7%	6.3%	7.5%	7.8%	8.3%	9.2%	8.5%	0.7%	8.9%	8.90%
Gross Margin	89.2%	89.5%	87.9%	81.3%	73.8%	65.8%	64.8%	62.0%	59.8%	56.6%	57.8%	57.3%	55.3%	59.8%	60.3%	59.6%	63.9%	62.9%	19.0%	65.2%	65.16%
Operating Margin	30.0%	22.1%	28.3%	24.5%	27.9%	21.9%	26.6%	25.5%	19.9%	16.4%	19.5%	20.1%	16.7%	20.6%	22.2%	22.2%	23.6%	22.0%	-48.2%	22.0%	21.98%
Net Margin	24.8%	17.5%	22.6%	19.4%	21.9%	17.1%	21.0%	20.1%	15.5%	12.9%	15.4%	15.8%	12.9%	16.4%	17.5%	17.6%	17.2%	17.6%	39.5%	17.5%	17.53%
EBITDA Margin	32.1%	24.3%	30.3%	26.3%	29.3%	23.3%	27.9%	26.7%	21.0%	17.5%	20.6%	21.3%	17.9%	21.7%	23.4%	23.3%	24.7%	23.3%	-45.5%	55.4%	55.44%
FCF Margin	25.9%	24.7%	26.5%	27.2%	23.4%	22.2%	23.1%	20.8%	20.9%	16.7%	13.2%	13.3%	13.1%	16.8%	16.2%	17.8%	17.1%	16.7%	21.7%	19.3%	19.31%
OCF Margin	27.8%	28.4%	31.1%	31.6%	26.3%	24.2%	24.1%	22.6%	24.0%	19.1%	15.8%	15.1%	13.4%	17.3%	16.5%	18.1%	18.0%	17.3%	22.7%	20.2%	20.16%
ROE 3Y Avg	snapshot only																				9.33%
ROE 5Y Avg	snapshot only																				9.92%
ROA 3Y Avg	snapshot only																				1.01%
ROIC Economic	snapshot only																				3.33%
Cash ROA	snapshot only																				1.05%
NOPAT Margin	snapshot only																				10.59%
Pretax Margin	snapshot only																				25.40%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				35.15%
SBC / Revenue	snapshot only																				1.50%

Valuation

Metric	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Current
P/E Ratio	10.11	9.70	9.89	9.32	9.38	6.66	5.41	6.14	8.39	7.82	7.97	9.87	11.40	9.81	9.35	8.49	8.82	9.75	10.84	10.41	11.382
P/S Ratio	2.60	2.31	2.14	1.95	1.93	1.34	1.07	1.23	1.55	1.35	1.27	1.47	1.62	1.48	1.46	1.37	1.51	1.70	2.21	2.12	2.231
P/B Ratio	1.22	1.03	1.00	0.89	0.88	0.67	0.60	0.74	0.92	0.84	0.80	0.91	0.93	0.86	0.85	0.79	0.86	0.89	1.00	0.98	1.033
P/FCF	10.05	9.35	8.09	7.18	8.24	6.01	4.66	5.90	7.38	8.11	9.63	11.04	12.40	8.83	9.01	7.65	8.85	10.21	10.19	10.97	10.966
P/OCF	9.34	8.14	6.90	6.18	7.32	5.52	4.45	5.45	6.45	7.06	8.05	9.73	12.09	8.57	8.84	7.53	8.42	9.85	9.77	10.51	10.505
EV/EBITDA	-5.45	-8.54	-4.18	1.38	0.35	2.35	1.06	0.52	1.31	-0.90	-1.34	0.00	9.94	8.20	2.77	6.77	2.72	0.48	0.10	-1.76	-1.759
EV/Revenue	-1.85	-2.71	-1.22	0.39	0.10	0.63	0.28	0.14	0.32	-0.21	-0.29	0.00	1.92	1.67	0.58	1.46	0.63	0.11	0.02	-0.43	-0.427
EV/EBIT	-5.80	-9.14	-4.52	1.49	0.37	2.49	1.12	0.54	1.38	-0.95	-1.41	0.00	10.57	8.69	2.93	7.15	2.86	0.51	0.11	-1.84	-1.835
EV/FCF	-7.14	-10.99	-4.59	1.43	0.41	2.86	1.23	0.67	1.55	-1.25	-2.17	0.00	14.67	9.94	3.59	8.18	3.70	0.69	0.07	-2.21	-2.213
Earnings Yield	9.9%	10.3%	10.1%	10.7%	10.7%	15.0%	18.5%	16.3%	11.9%	12.8%	12.5%	10.1%	8.8%	10.2%	10.7%	11.8%	11.3%	10.3%	9.2%	9.6%	9.61%
FCF Yield	10.0%	10.7%	12.4%	13.9%	12.1%	16.6%	21.5%	17.0%	13.6%	12.3%	10.4%	9.1%	8.1%	11.3%	11.1%	13.1%	11.3%	9.8%	9.8%	9.1%	9.12%
PEG Ratio	snapshot only																				1.480
Price/Tangible Book	snapshot only																				1.174
EV/OCF	snapshot only																				-2.120
EV/Gross Profit	snapshot only																				-0.736
Acquirers Multiple	snapshot only																				-3.235
Shareholder Yield	snapshot only																				3.66%
Graham Number	snapshot only																				$44.64

Leverage & Solvency

Metric	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Current
Current Ratio	0.27	0.27	0.24	0.23	0.22	0.22	0.22	0.20	0.21	0.19	0.20	0.21	0.06	0.06	0.16	0.07	0.15	0.17	2.05	0.22	0.220
Quick Ratio	0.27	0.27	0.24	0.23	0.22	0.22	0.22	0.20	0.21	0.19	0.20	0.21	0.06	0.06	0.16	0.07	0.15	0.17	2.05	0.22	0.220
Debt/Equity	0.43	0.48	0.88	1.33	0.96	1.43	1.32	1.06	0.99	0.66	0.64	0.71	0.60	0.53	0.72	0.56	0.61	0.39	0.61	0.48	0.482
Net Debt/Equity	-2.08	-2.24	-1.56	-0.71	-0.83	-0.35	-0.44	-0.66	-0.73	-0.97	-0.99	-0.91	0.17	0.11	-0.51	0.05	-0.50	-0.83	-0.99	-1.18	-1.181
Debt/Assets	0.04	0.04	0.07	0.12	0.09	0.14	0.12	0.10	0.10	0.06	0.06	0.07	0.06	0.06	0.08	0.06	0.07	0.04	0.07	0.05	0.054
Debt/EBITDA	2.73	3.39	6.54	10.43	7.63	10.43	8.88	6.56	6.67	4.62	4.76	5.68	5.47	4.47	5.91	4.50	4.63	3.13	9.38	4.27	4.275
Net Debt/EBITDA	-13.12	-15.81	-11.55	-5.55	-6.58	-2.59	-2.96	-4.07	-4.94	-6.74	-7.28	-7.32	1.53	0.92	-4.18	0.44	-3.79	-6.73	-15.24	-10.48	-10.475
Interest Coverage	3.90	3.73	3.43	2.73	1.88	1.29	0.97	0.81	0.66	0.57	0.50	0.46	0.44	0.48	0.51	0.53	0.59	0.61	0.31	0.57	0.573
Equity Multiplier	10.91	11.74	12.42	11.43	10.32	10.52	10.74	10.74	10.22	10.32	10.09	9.85	9.83	9.42	9.37	9.05	9.16	8.99	8.83	8.93	8.933
Cash Ratio	snapshot only																				0.215
Debt Service Coverage	snapshot only																				0.598
Cash to Debt	snapshot only																				3.451
FCF to Debt	snapshot only																				0.186
Defensive Interval	snapshot only																				2982.9 days

Efficiency & Turnover

Metric	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Current
Asset Turnover	0.05	0.04	0.04	0.05	0.05	0.05	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.07	0.07	0.07	0.06	0.06	0.05	0.06	0.055
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	9.33	8.85	9.63	11.13	11.67	13.24	13.67	14.48	13.88	14.72	14.64	14.26	13.92	15.16	14.63	14.62	13.77	14.47	12.03	12.16	12.160
Payables Turnover	12.77	15.90	17.61	21.82	27.52	32.72	23.35	20.17	16.85	42.56	28.32	24.38	19.05	43.75	44.08	53.81	39.48	44.01	46.19	95.90	95.897
DSO	39	41	38	33	31	28	27	25	26	25	25	26	26	24	25	25	27	25	30	30	30.0 days
DIO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0.0 days
DPO	29	23	21	17	13	11	16	18	22	9	13	15	19	8	8	7	9	8	8	4	3.8 days
Cash Conversion Cycle	11	18	17	16	18	16	11	7	5	16	12	11	7	16	17	18	17	17	22	26	26.2 days
Fixed Asset Turnover	snapshot only																				4.872
Cash Velocity	snapshot only																				0.279
Capital Intensity	snapshot only																				19.257

Growth (YoY)

Metric	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Current
Revenue	19.8%	7.6%	-0.1%	10.8%	30.2%	48.1%	61.8%	58.5%	46.0%	33.5%	25.6%	18.1%	18.7%	18.7%	17.1%	18.0%	11.8%	8.8%	-7.6%	-8.8%	-8.76%
Net Income	73.8%	28.3%	-15.7%	-10.3%	4.1%	24.7%	48.3%	51.3%	30.9%	14.9%	0.8%	-11.9%	-8.4%	3.6%	14.8%	27.2%	34.9%	26.1%	20.8%	15.4%	15.44%
EPS	76.1%	25.8%	-22.5%	-18.8%	-14.0%	4.7%	32.6%	35.6%	28.0%	14.0%	0.5%	-12.5%	-21.4%	-10.9%	-1.3%	9.1%	34.3%	13.6%	8.8%	4.6%	4.60%
FCF	99.0%	30.4%	-15.2%	14.7%	17.8%	33.3%	40.7%	21.5%	30.7%	0.1%	-28.1%	-24.5%	-25.9%	19.4%	44.0%	58.0%	46.5%	8.4%	23.7%	-1.3%	-1.29%
EBITDA	72.0%	27.9%	-14.2%	-9.1%	6.8%	26.1%	48.6%	50.8%	29.8%	14.1%	0.5%	-11.2%	-7.3%	4.3%	15.3%	26.4%	34.9%	26.5%	-36.7%	2.9%	2.85%
Op. Income	75.5%	29.2%	-15.6%	-10.5%	6.2%	26.9%	51.6%	54.7%	32.1%	15.3%	0.8%	-11.9%	-8.3%	3.5%	14.8%	26.7%	36.6%	27.7%	-39.2%	-40.9%	-40.93%
OCF Growth	snapshot only																				1.37%
Asset Growth	snapshot only																				12.60%
Equity Growth	snapshot only																				14.12%
Debt Growth	snapshot only																				-2.40%
Shares Change	snapshot only																				10.37%
Dividend Growth	snapshot only																				-1.80%

Growth (CAGR)

Metric	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Current
Revenue 3Y	46.1%	30.4%	26.6%	28.3%	32.3%	37.5%	38.4%	36.3%	31.6%	28.6%	26.6%	27.6%	31.1%	32.9%	33.5%	30.2%	24.7%	19.9%	10.8%	8.3%	8.34%
Revenue 5Y	—	—	—	—	—	—	75.5%	54.9%	42.8%	34.4%	32.8%	31.6%	32.0%	32.7%	31.3%	28.7%	24.8%	22.4%	17.0%	17.4%	17.44%
EPS 3Y	42.7%	23.5%	11.1%	10.8%	7.9%	12.4%	38.7%	39.8%	24.7%	14.5%	1.1%	-1.2%	-4.7%	2.1%	9.6%	9.0%	10.6%	4.9%	2.6%	-0.0%	-0.03%
EPS 5Y	—	—	—	—	—	—	51.5%	35.7%	26.2%	17.6%	12.8%	10.0%	4.8%	7.6%	21.5%	21.2%	15.4%	8.7%	2.1%	1.9%	1.93%
Net Income 3Y	68.1%	42.9%	31.2%	31.1%	31.7%	38.9%	55.1%	49.5%	33.3%	22.5%	8.0%	6.1%	7.7%	14.1%	19.7%	19.2%	17.4%	14.5%	11.8%	9.0%	8.95%
Net Income 5Y	—	—	—	—	—	—	78.8%	57.6%	45.3%	33.1%	27.6%	24.6%	22.3%	26.1%	34.0%	30.2%	24.0%	19.2%	11.8%	11.9%	11.92%
EBITDA 3Y	68.2%	43.7%	32.3%	32.1%	32.7%	40.6%	55.2%	49.3%	33.6%	22.5%	8.6%	6.7%	8.7%	14.5%	19.9%	19.2%	17.5%	14.6%	-9.8%	4.9%	4.89%
EBITDA 5Y	—	—	—	—	—	—	79.8%	58.3%	45.8%	33.7%	28.2%	25.3%	22.9%	27.0%	34.1%	30.2%	24.4%	19.4%	-1.3%	9.6%	9.59%
Gross Profit 3Y	50.9%	35.6%	32.3%	33.3%	34.9%	37.1%	35.7%	29.6%	21.4%	16.2%	11.6%	11.2%	13.3%	14.9%	16.0%	14.5%	12.9%	11.8%	2.7%	3.7%	3.67%
Gross Profit 5Y	—	—	—	—	—	—	70.4%	48.9%	36.2%	27.5%	25.6%	24.3%	24.1%	25.3%	24.8%	21.9%	18.1%	15.5%	7.6%	8.2%	8.24%
Op. Income 3Y	68.3%	43.3%	31.4%	31.3%	32.0%	40.2%	56.7%	51.4%	35.0%	23.7%	8.8%	6.8%	8.8%	14.8%	20.6%	20.0%	18.2%	15.1%	-11.0%	-13.0%	-12.96%
Op. Income 5Y	—	—	—	—	—	—	80.0%	58.6%	46.2%	33.9%	28.2%	25.3%	22.7%	26.9%	34.8%	31.1%	25.3%	20.1%	-2.1%	-1.8%	-1.82%
FCF 3Y	54.0%	30.3%	31.4%	41.7%	44.6%	56.5%	—	78.5%	45.2%	20.3%	-5.0%	1.7%	4.5%	16.8%	13.4%	13.2%	12.4%	9.0%	8.6%	5.6%	5.62%
FCF 5Y	—	—	—	—	—	—	73.6%	45.2%	41.2%	24.1%	18.1%	21.2%	23.9%	35.6%	—	46.7%	27.2%	17.6%	8.9%	10.4%	10.43%
OCF 3Y	55.6%	34.4%	36.3%	44.4%	41.8%	49.7%	2.4%	65.9%	46.6%	23.2%	0.3%	5.3%	2.8%	12.6%	8.2%	8.3%	9.8%	7.2%	8.5%	4.3%	4.34%
OCF 5Y	—	—	—	—	—	—	72.6%	46.4%	43.9%	26.5%	21.2%	22.0%	20.3%	30.5%	1.1%	38.6%	25.7%	16.9%	9.4%	10.9%	10.86%
Assets 3Y	31.2%	36.7%	36.9%	37.8%	38.1%	40.1%	17.7%	17.9%	16.5%	14.6%	15.7%	16.1%	18.5%	13.2%	12.9%	11.1%	11.1%	12.3%	11.3%	11.3%	11.34%
Assets 5Y	—	—	—	—	—	—	31.4%	31.1%	25.7%	26.1%	25.5%	25.4%	28.1%	27.8%	14.9%	15.0%	14.6%	14.9%	15.5%	15.2%	15.25%
Equity 3Y	18.6%	19.3%	17.1%	21.9%	26.7%	28.4%	15.9%	14.9%	16.3%	15.9%	15.5%	17.6%	22.6%	21.8%	24.0%	20.0%	15.6%	18.4%	18.8%	18.4%	18.38%
Book Value 3Y	0.7%	3.1%	-0.9%	3.0%	3.9%	3.9%	3.6%	7.5%	8.7%	8.3%	8.1%	9.4%	8.5%	9.0%	13.5%	9.7%	8.9%	8.5%	9.0%	8.6%	8.62%
Dividend 3Y	-8.4%	-8.4%	-11.2%	-11.9%	-10.8%	-8.6%	4.2%	11.7%	6.7%	2.4%	-0.3%	-3.2%	-8.0%	-7.2%	-5.0%	-5.2%	-2.9%	-5.2%	-5.0%	-5.7%	-5.75%

Growth Quality

Metric	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Current
Revenue Stability	0.99	0.93	0.88	0.97	0.99	0.93	0.95	0.95	0.95	0.93	0.92	0.94	0.96	0.97	0.97	0.97	0.98	0.99	0.89	0.88	0.876
Earnings Stability	0.95	0.98	0.80	0.84	0.95	0.99	0.88	0.91	0.97	0.99	0.84	0.81	0.88	0.96	0.82	0.81	0.89	0.97	0.86	0.82	0.824
Margin Stability	0.94	0.94	0.92	0.93	0.95	0.93	0.91	0.89	0.88	0.86	0.84	0.83	0.82	0.82	0.82	0.82	0.83	0.84	0.81	0.81	0.808
Rev. Growth Consistency	1.00	1.00	0.00	1.00	1.00	1.00	0.50	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.00	0.00	0.000
Earn. Growth Consistency	1.00	1.00	0.00	0.00	1.00	1.00	0.50	0.50	1.00	1.00	1.00	0.00	0.00	1.00	1.00	0.50	0.50	1.00	1.00	1.00	1.000
FCF Positive Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	0.50	0.89	0.94	0.96	0.98	0.90	0.81	0.50	0.88	0.94	1.00	0.95	0.97	0.99	0.94	0.89	0.86	0.90	0.92	0.94	0.938
Earnings Smoothness	0.46	0.75	0.83	0.89	0.96	0.78	0.61	0.59	0.73	0.86	0.99	0.87	0.91	0.96	0.86	0.76	0.70	0.77	0.81	0.86	0.857
ROE Trend	0.04	0.02	0.02	0.01	-0.00	0.00	-0.00	0.01	0.00	0.00	-0.00	-0.02	-0.02	-0.02	-0.02	-0.01	0.00	-0.01	-0.00	0.00	0.002
Gross Margin Trend	0.09	0.09	0.08	0.04	-0.02	-0.09	-0.17	-0.21	-0.22	-0.22	-0.21	-0.19	-0.16	-0.11	-0.07	-0.03	0.01	0.03	-0.02	-0.00	-0.002
FCF Margin Trend	0.09	0.07	0.12	0.09	0.03	-0.00	-0.06	-0.06	-0.04	-0.07	-0.12	-0.11	-0.09	-0.03	-0.02	0.01	0.00	-0.00	0.07	0.04	0.037
Sustainable Growth Rate	10.1%	8.9%	8.0%	8.1%	8.3%	8.8%	9.7%	10.0%	8.7%	8.2%	7.6%	6.9%	6.2%	7.0%	7.3%	7.6%	7.7%	7.5%	7.5%	7.5%	7.53%
Internal Growth Rate	1.0%	0.8%	0.7%	0.8%	0.8%	0.8%	0.9%	0.9%	0.8%	0.8%	0.7%	0.7%	0.6%	0.7%	0.8%	0.8%	0.8%	0.8%	0.8%	0.8%	0.84%

Cash Flow Quality

Metric	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Current
OCF/Net Income	1.08	1.19	1.43	1.51	1.28	1.21	1.21	1.13	1.30	1.11	0.99	1.01	0.94	1.14	1.06	1.13	1.05	0.99	1.11	0.99	0.991
FCF/OCF	0.93	0.87	0.85	0.86	0.89	0.92	0.96	0.92	0.87	0.87	0.84	0.88	0.97	0.97	0.98	0.98	0.95	0.96	0.96	0.96	0.958
FCF/Net Income	snapshot only																				0.949
OCF/EBITDA	snapshot only																				0.830
CapEx/Revenue	2.0%	3.7%	4.5%	4.4%	2.9%	2.0%	1.1%	1.7%	3.0%	2.5%	2.6%	1.8%	0.3%	0.5%	0.3%	0.3%	0.9%	0.6%	0.9%	0.9%	0.85%
CapEx/Depreciation	snapshot only																				0.843
Accruals Ratio	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	0.00	-0.00	0.00	-0.00	-0.00	-0.00	-0.00	0.00	-0.00	0.00	0.000
Sloan Accruals	snapshot only																				0.020
Cash Flow Adequacy	snapshot only																				3.376
Earnings Quality Score	snapshot only																				0.750

Dividends & Buybacks

Metric	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Current
Dividend Yield	1.8%	2.1%	2.3%	2.3%	2.4%	3.5%	4.4%	3.9%	3.0%	3.4%	3.6%	3.1%	2.7%	2.9%	3.0%	3.2%	2.9%	2.6%	2.4%	2.4%	1.88%
Dividend/Share	$0.46	$0.46	$0.44	$0.45	$0.49	$0.56	$0.62	$0.69	$0.71	$0.73	$0.75	$0.77	$0.69	$0.70	$0.72	$0.74	$0.75	$0.70	$0.72	$0.73	$0.60
Payout Ratio	18.1%	20.2%	22.3%	21.2%	22.4%	23.3%	23.8%	23.9%	25.4%	26.7%	28.5%	30.5%	31.1%	28.8%	27.8%	26.8%	25.3%	25.3%	25.5%	25.2%	25.16%
FCF Payout Ratio	18.0%	19.5%	18.3%	16.4%	19.7%	21.1%	20.5%	22.9%	22.4%	27.7%	34.5%	34.2%	33.9%	25.9%	26.8%	24.1%	25.4%	26.5%	24.0%	26.5%	26.51%
Total Payout Ratio	39.0%	41.4%	40.9%	21.2%	22.4%	23.4%	23.8%	23.9%	25.4%	26.7%	28.5%	30.5%	31.1%	28.8%	27.8%	26.8%	29.6%	32.5%	37.7%	38.1%	38.08%
Div. Increase Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Chowder Number	0.27	0.21	0.18	0.16	0.31	0.48	0.62	0.74	0.51	0.35	0.25	0.16	0.15	0.15	0.15	0.15	0.13	0.13	0.13	0.11	0.108
Buyback Yield	2.1%	2.2%	1.9%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.5%	0.7%	1.1%	1.2%	1.24%
Net Buyback Yield	1.4%	1.7%	1.8%	-0.1%	-9.5%	-12.0%	-13.4%	-10.7%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.5%	0.7%	1.1%	1.2%	1.24%
Total Shareholder Return	3.2%	3.8%	4.0%	2.1%	-7.1%	-8.5%	-9.0%	-6.8%	3.0%	3.4%	3.6%	3.1%	2.7%	2.9%	3.0%	3.2%	3.4%	3.3%	3.5%	3.7%	3.66%

DuPont Factors

Metric	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Current
Tax Burden (NI/EBT)	0.81	0.80	0.80	0.80	0.79	0.79	0.79	0.79	0.78	0.79	0.79	0.79	0.78	0.79	0.79	0.79	0.80	0.80	0.80	0.80	0.801
Interest Burden (EBT/EBIT)	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.97	0.97	1.95	1.09	1.091
EBIT Margin	0.32	0.30	0.27	0.26	0.26	0.25	0.25	0.25	0.23	0.22	0.20	0.19	0.18	0.19	0.20	0.20	0.22	0.23	0.13	0.23	0.233
Asset Turnover	0.05	0.04	0.04	0.05	0.05	0.05	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.07	0.07	0.07	0.06	0.06	0.05	0.06	0.055
Equity Multiplier	10.54	11.23	11.24	10.88	10.57	11.05	11.45	11.05	10.27	10.42	10.40	10.26	10.00	9.81	9.68	9.41	9.47	9.18	9.07	8.99	8.990

Per Share

Metric	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Current
EPS (Diluted TTM)	$2.55	$2.29	$1.98	$2.13	$2.19	$2.40	$2.63	$2.89	$2.80	$2.74	$2.64	$2.53	$2.21	$2.44	$2.61	$2.76	$2.96	$2.77	$2.84	$2.89	$2.89
Book Value/Share	$21.18	$21.59	$19.66	$22.43	$23.45	$23.70	$23.72	$23.90	$25.43	$25.52	$26.17	$27.50	$27.08	$27.97	$28.72	$29.62	$30.24	$30.23	$30.76	$30.63	$30.84
Tangible Book/Share	$17.66	$16.60	$15.07	$17.88	$19.30	$19.65	$19.71	$19.91	$21.47	$21.48	$22.14	$23.49	$22.38	$23.29	$24.08	$25.03	$25.67	$25.26	$25.62	$25.63	$25.63
Revenue/Share	$9.92	$9.63	$9.13	$10.19	$10.67	$11.97	$13.22	$14.46	$15.22	$15.85	$16.56	$16.98	$15.51	$16.18	$16.68	$17.19	$17.26	$15.87	$13.89	$14.21	$14.31
FCF/Share	$2.56	$2.38	$2.42	$2.77	$2.50	$2.66	$3.05	$3.01	$3.19	$2.64	$2.19	$2.26	$2.03	$2.71	$2.70	$3.07	$2.96	$2.65	$3.02	$2.74	$2.05
OCF/Share	$2.76	$2.73	$2.84	$3.22	$2.81	$2.90	$3.19	$3.26	$3.65	$3.03	$2.61	$2.57	$2.08	$2.79	$2.76	$3.12	$3.10	$2.75	$3.15	$2.86	$2.18
Cash/Share	$53.24	$58.76	$48.08	$45.81	$42.15	$42.17	$41.79	$41.17	$43.64	$41.64	$42.65	$44.39	$11.78	$11.67	$35.42	$15.07	$33.79	$36.95	$49.31	$50.92	$51.28
EBITDA/Share	$3.36	$3.06	$2.66	$2.87	$2.97	$3.24	$3.53	$3.87	$3.76	$3.66	$3.54	$3.42	$2.99	$3.29	$3.51	$3.70	$4.02	$3.75	$2.00	$3.45	$3.45
Debt/Share	$9.17	$10.37	$17.37	$29.89	$22.62	$33.78	$31.35	$25.41	$25.07	$16.92	$16.87	$19.40	$16.37	$14.69	$20.75	$16.69	$18.59	$11.73	$18.79	$14.76	$14.76
Net Debt/Share	$-44.07	$-48.38	$-30.71	$-15.92	$-19.52	$-8.39	$-10.44	$-15.76	$-18.58	$-24.71	$-25.77	$-24.99	$4.59	$3.02	$-14.66	$1.62	$-15.20	$-25.22	$-30.52	$-36.16	$-36.16

Academic Models

Metric	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	2.849
Altman Z-Prime	snapshot only																				-4.069
Piotroski F-Score	8	5	3	3	4	5	5	6	5	6	4	6	4	6	6	7	7	7	6	6	6
Beneish M-Score	-2.64	-2.70	-2.36	-2.06	-1.82	-1.73	-1.90	-1.95	-2.09	-2.22	-2.26	-2.28	-2.24	-2.27	-2.26	-2.28	-2.55	-2.42	-0.96	-2.55	-2.547
Ohlson O-Score	snapshot only																				-4.069
Net-Net WC	snapshot only																				$-190.86

Credit

Metric	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Current
Credit Rating	snapshot only																				BBB
Credit Score	60.60	57.63	49.78	46.45	51.23	48.53	52.13	54.73	59.80	55.14	55.47	57.29	52.09	52.49	56.25	55.43	54.53	62.91	75.44	56.28	56.283
Credit Grade	snapshot only																				9
Credit Trend	snapshot only																				0.853
Implied Spread (bps)	snapshot only																				275.000
Industry Credit Rank	snapshot only																				37
Sector Credit Rank	snapshot only																				37

BFST NASDAQ

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Executive Compensation

C-Suite Compensation

CEO Pay Ratio

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Scaling Efficiency

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