12 USD
-0.13 (-1.07%)
12 USD
0 (0%)
Overall BFIN gets a fundamental rating of 3 out of 10. We evaluated BFIN against 387 industry peers in the Banks industry. BFIN has a bad profitability rating. Also its financial health evaluation is rather negative. BFIN does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
In the past year BFIN was profitable.
In the past year BFIN had a positive cash flow from operations.
In the past 5 years BFIN has always been profitable.
BFIN had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
BFIN has a Return On Assets of 0.16%. This is amonst the worse of the industry: BFIN underperforms 87.60% of its industry peers.
BFIN has a worse Return On Equity (1.47%) than 87.08% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.16% | ||
| ROE | 1.47% | ||
| ROIC | N/A |
ROA(3y)0.53%
ROA(5y)0.52%
ROE(3y)5.19%
ROE(5y)5.11%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 4.38%, BFIN is doing worse than 88.11% of the companies in the same industry.
In the last couple of years the Profit Margin of BFIN has declined.
The Operating Margin and Gross Margin are not available for BFIN so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 4.38% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-20.7%
PM growth 5Y-17.84%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
BFIN does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, BFIN has about the same amount of shares outstanding.
Compared to 5 years ago, BFIN has less shares outstanding
Compared to 1 year ago, BFIN has an improved debt to assets ratio.
2.2 Solvency
BFIN has a debt to FCF ratio of 9.45. This is a negative value and a sign of low solvency as BFIN would need 9.45 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 9.45, BFIN is doing worse than 78.29% of the companies in the same industry.
BFIN has a Debt/Equity ratio of 0.12. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.12, BFIN is in the better half of the industry, outperforming 63.31% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 9.45 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.05%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for BFIN have decreased strongly by -70.31% in the last year.
BFIN shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -15.14% yearly.
BFIN shows a decrease in Revenue. In the last year, the revenue decreased by -4.18%.
The Revenue has been decreasing by -1.40% on average over the past years.
EPS 1Y (TTM)-70.31%
EPS 3Y-14.61%
EPS 5Y-15.14%
EPS Q2Q%18.75%
Revenue 1Y (TTM)-4.18%
Revenue growth 3Y3.3%
Revenue growth 5Y-1.4%
Sales Q2Q%-8.81%
3.2 Future
The Earnings Per Share is expected to grow by 53.77% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 1.75% on average over the next years.
EPS Next Y111.73%
EPS Next 2Y53.77%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-2.47%
Revenue Next 2Y1.75%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
BFIN is valuated quite expensively with a Price/Earnings ratio of 63.16.
BFIN's Price/Earnings ratio is rather expensive when compared to the industry. BFIN is more expensive than 86.56% of the companies in the same industry.
When comparing the Price/Earnings ratio of BFIN to the average of the S&P500 Index (27.00), we can say BFIN is valued expensively.
A Price/Forward Earnings ratio of 15.38 indicates a correct valuation of BFIN.
74.16% of the companies in the same industry are cheaper than BFIN, based on the Price/Forward Earnings ratio.
BFIN's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.70.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 63.16 | ||
| Fwd PE | 15.38 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of BFIN indicates a rather expensive valuation: BFIN more expensive than 82.17% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 77.35 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as BFIN's earnings are expected to grow with 53.77% in the coming years.
PEG (NY)0.57
PEG (5Y)N/A
EPS Next 2Y53.77%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.33%, BFIN has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 2.78, BFIN pays a bit more dividend than its industry peers.
BFIN's Dividend Yield is rather good when compared to the S&P500 average which is at 1.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.33% |
5.2 History
The dividend of BFIN has a limited annual growth rate of 0.28%.
BFIN has been paying a dividend for at least 10 years, so it has a reliable track record.
BFIN has decreased its dividend recently.
Dividend Growth(5Y)0.28%
Div Incr Years0
Div Non Decr Years1
5.3 Sustainability
215.15% of the earnings are spent on dividend by BFIN. This is not a sustainable payout ratio.
BFIN's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP215.15%
EPS Next 2Y53.77%
EPS Next 3YN/A
12
-0.13 (-1.07%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners67.04%
Inst Owner Change0%
Ins Owners3.6%
Ins Owner Change0%
Market Cap149.52M
Revenue(TTM)52.92M
Net Income(TTM)2.32M
Analysts45.71
Price Target11.99 (-0.08%)
Short Float %2.83%
Short Ratio8.67
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.33% |
Yearly Dividend0.4
Dividend Growth(5Y)0.28%
DP215.15%
Div Incr Years0
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-58.06%
Min EPS beat(2)-119.61%
Max EPS beat(2)3.49%
EPS beat(4)2
Avg EPS beat(4)-68.85%
Min EPS beat(4)-170.39%
Max EPS beat(4)11.11%
EPS beat(8)2
Avg EPS beat(8)-41.47%
EPS beat(12)2
Avg EPS beat(12)-33.91%
EPS beat(16)4
Avg EPS beat(16)-24.71%
Revenue beat(2)0
Avg Revenue beat(2)-5.5%
Min Revenue beat(2)-5.85%
Max Revenue beat(2)-5.14%
Revenue beat(4)0
Avg Revenue beat(4)-5.25%
Min Revenue beat(4)-5.85%
Max Revenue beat(4)-5%
Revenue beat(8)1
Avg Revenue beat(8)-3.16%
Revenue beat(12)2
Avg Revenue beat(12)-2.96%
Revenue beat(16)6
Avg Revenue beat(16)0.48%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.33%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.55%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 63.16 | ||
| Fwd PE | 15.38 | ||
| P/S | 2.83 | ||
| P/FCF | 77.35 | ||
| P/OCF | 43.52 | ||
| P/B | 0.95 | ||
| P/tB | 0.95 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.19
EY1.58%
EPS(NY)0.78
Fwd EY6.5%
FCF(TTM)0.16
FCFY1.29%
OCF(TTM)0.28
OCFY2.3%
SpS4.25
BVpS12.63
TBVpS12.63
PEG (NY)0.57
PEG (5Y)N/A
Graham Number7.35
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.16% | ||
| ROE | 1.47% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 4.38% | ||
| GM | N/A | ||
| FCFM | 3.65% |
ROA(3y)0.53%
ROA(5y)0.52%
ROE(3y)5.19%
ROE(5y)5.11%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-20.7%
PM growth 5Y-17.84%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 9.45 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 922.09% | ||
| Cap/Sales | 2.84% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 83.43% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACC15.05%
ROIC/WACCN/A
Cap/Depr(3y)520.29%
Cap/Depr(5y)357.36%
Cap/Sales(3y)3.53%
Cap/Sales(5y)3.85%
Profit Quality(3y)94.19%
Profit Quality(5y)96.3%
High Growth Momentum
Growth
EPS 1Y (TTM)-70.31%
EPS 3Y-14.61%
EPS 5Y-15.14%
EPS Q2Q%18.75%
EPS Next Y111.73%
EPS Next 2Y53.77%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-4.18%
Revenue growth 3Y3.3%
Revenue growth 5Y-1.4%
Sales Q2Q%-8.81%
Revenue Next Year-2.47%
Revenue Next 2Y1.75%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-84.14%
FCF growth 3Y0.24%
FCF growth 5Y-23.28%
OCF growth 1Y-75.49%
OCF growth 3Y-0.89%
OCF growth 5Y-18.76%
BANKFINANCIAL CORP / BFIN FAQ
Can you provide the ChartMill fundamental rating for BANKFINANCIAL CORP?
ChartMill assigns a fundamental rating of 3 / 10 to BFIN.
What is the valuation status of BANKFINANCIAL CORP (BFIN) stock?
ChartMill assigns a valuation rating of 3 / 10 to BANKFINANCIAL CORP (BFIN). This can be considered as Overvalued.
Can you provide the profitability details for BANKFINANCIAL CORP?
BANKFINANCIAL CORP (BFIN) has a profitability rating of 2 / 10.
Can you provide the financial health for BFIN stock?
The financial health rating of BANKFINANCIAL CORP (BFIN) is 2 / 10.
What is the expected EPS growth for BANKFINANCIAL CORP (BFIN) stock?
The Earnings per Share (EPS) of BANKFINANCIAL CORP (BFIN) is expected to grow by 111.73% in the next year.