BANKFINANCIAL CORP (BFIN)
US06643P1049 - Common Stock
We assign a fundamental rating of 3 out of 10 to BFIN. BFIN was compared to 412 industry peers in the Banks industry. BFIN may be in some trouble as it scores bad on both profitability and health. BFIN has a expensive valuation and it also scores bad on growth. Finally BFIN also has an excellent dividend rating.
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.
Each year in the past 5 years BFIN had a positive operating cash flow.
1.2 Ratios
BFIN has a worse Return On Assets (0.63%) than 70.63% of its industry peers.
BFIN's Return On Equity of 6.04% is on the low side compared to the rest of the industry. BFIN is outperformed by 74.51% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.63% | ||
| ROE | 6.04% | ||
| ROIC | N/A |
ROA(3y)0.58%
ROA(5y)0.62%
ROE(3y)5.89%
ROE(5y)5.93%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
BFIN's Profit Margin of 16.59% is on the low side compared to the rest of the industry. BFIN is outperformed by 76.46% of its industry peers.
BFIN's Profit Margin has declined in the last couple of years.
BFIN does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 16.59% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-2.48%
PM growth 5Y-10.49%
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.
BFIN has less shares outstanding than it did 1 year ago.
BFIN has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, BFIN has a worse debt to assets ratio.
2.2 Solvency
BFIN has a debt to FCF ratio of 2.68. This is a good value and a sign of high solvency as BFIN would need 2.68 years to pay back of all of its debts.
BFIN has a Debt to FCF ratio of 2.68. This is comparable to the rest of the industry: BFIN outperforms 48.30% of its industry peers.
A Debt/Equity ratio of 0.13 indicates that BFIN is not too dependend on debt financing.
BFIN has a Debt to Equity ratio of 0.13. This is in the better half of the industry: BFIN outperforms 71.60% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.13 | ||
| Debt/FCF | 2.68 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.46%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
BFIN shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -5.06%.
The Earnings Per Share has been decreasing by -7.71% on average over the past years.
The Revenue has decreased by -0.43% in the past year.
The Revenue has been decreasing by -3.31% on average over the past years.
EPS 1Y (TTM)-5.06%
EPS 3Y6.55%
EPS 5Y-7.71%
EPS growth Q2Q-37.04%
Revenue 1Y (TTM)-0.43%
Revenue growth 3Y3.4%
Revenue growth 5Y-3.31%
Revenue growth Q2Q-8.51%
3.2 Future
Based on estimates for the next years, BFIN will show a small growth in Earnings Per Share. The EPS will grow by 7.52% on average per year.
BFIN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.99% yearly.
EPS Next Y3.36%
EPS Next 2Y7.52%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-2.12%
Revenue Next 2Y2.99%
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
Based on the Price/Earnings ratio of 13.20, the valuation of BFIN can be described as correct.
Based on the Price/Earnings ratio, BFIN is valued a bit more expensive than 74.03% of the companies in the same industry.
BFIN's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.06.
With a Price/Forward Earnings ratio of 12.77, BFIN is valued correctly.
Based on the Price/Forward Earnings ratio, BFIN is valued a bit more expensive than 66.50% of the companies in the same industry.
BFIN's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 20.72.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.2 | ||
| Fwd PE | 12.77 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, BFIN is valued a bit more expensive than the industry average as 75.73% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.79 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates BFIN does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)3.93
PEG (5Y)N/A
EPS Next 2Y7.52%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.09%, BFIN is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.84, 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 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.09% |
5.2 History
The dividend of BFIN has a limited annual growth rate of 1.44%.
BFIN has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)1.44%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
BFIN pays out 53.85% of its income as dividend. This is a bit on the high side, but may be sustainable.
BFIN's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP53.85%
EPS Next 2Y7.52%
EPS Next 3YN/A
BANKFINANCIAL CORP
NASDAQ:BFIN (5/2/2024, 7:00:01 PM)
9.9
+0.12 (+1.23%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap123.35M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.09% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
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EPS beat(8)
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EPS beat(16)
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Revenue beat(2)
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PT rev (1m)
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EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.2 | ||
| Fwd PE | 12.77 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)3.93
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.63% | ||
| ROE | 6.04% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 16.59% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.13 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-5.06%
EPS 3Y6.55%
EPS 5Y
EPS growth Q2Q
EPS Next Y3.36%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-0.43%
Revenue growth 3Y3.4%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
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EBIT Next 5Y
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FCF growth 3Y
FCF growth 5Y
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OCF growth 5Y