11.76 USD
-0.04 (-0.34%)
11.76 USD
0 (0%)
We assign a fundamental rating of 3 out of 10 to BFIN. BFIN was compared to 387 industry peers in the Banks industry. BFIN has a bad profitability rating. Also its financial health evaluation is rather negative. BFIN is valued expensive and it does not seem to be growing.
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.
In the past 5 years BFIN always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.16%, BFIN is doing worse than 88.89% of the companies in the same industry.
The Return On Equity of BFIN (1.47%) is worse than 88.37% 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
BFIN has a Profit Margin of 4.38%. This is amonst the worse of the industry: BFIN underperforms 88.89% of its industry peers.
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.
BFIN has about the same amout of shares outstanding than it did 1 year ago.
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.
BFIN has a worse Debt to FCF ratio (9.45) than 76.74% of its industry peers.
BFIN has a Debt/Equity ratio of 0.12. This is a healthy value indicating a solid balance between debt and equity.
BFIN's Debt to Equity ratio of 0.12 is fine compared to the rest of the industry. BFIN outperforms 63.05% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 9.45 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15%
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.
Measured over the past years, BFIN shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -15.14% on average per year.
The Revenue has decreased by -4.18% in the past year.
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
Based on estimates for the next years, BFIN will show a very strong growth in Earnings Per Share. The EPS will grow by 53.77% on average per year.
BFIN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.75% yearly.
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
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 61.89 indicates a quite expensive valuation of BFIN.
Compared to the rest of the industry, the Price/Earnings ratio of BFIN indicates a rather expensive valuation: BFIN more expensive than 86.82% of the companies listed in the same industry.
BFIN's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 26.15.
A Price/Forward Earnings ratio of 15.07 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.
The average S&P500 Price/Forward Earnings ratio is at 36.12. BFIN is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 61.89 | ||
| Fwd PE | 15.07 |
4.2 Price Multiples
BFIN's Price/Free Cash Flow ratio is rather expensive when compared to the industry. BFIN is more expensive than 81.65% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 75.8 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
BFIN's 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)0.55
PEG (5Y)N/A
EPS Next 2Y53.77%
EPS Next 3YN/A
5. Dividend
5.1 Amount
BFIN has a Yearly Dividend Yield of 3.59%.
BFIN's Dividend Yield is a higher than the industry average which is at 3.33.
BFIN's Dividend Yield is a higher than the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.59% |
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
BFIN pays out 215.15% of its income as dividend. 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
11.76
-0.04 (-0.34%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners66.42%
Inst Owner Change3.44%
Ins Owners3.6%
Ins Owner Change0%
Market Cap146.53M
Revenue(TTM)52.92M
Net Income(TTM)2.32M
Analysts45.71
Price Target11.99 (1.96%)
Short Float %1.95%
Short Ratio5.26
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.59% |
Yearly Dividend0.4
Dividend Growth(5Y)0.28%
DP215.15%
Div Incr Years0
Div Non Decr Years1
Ex-Date
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 | 61.89 | ||
| Fwd PE | 15.07 | ||
| P/S | 2.77 | ||
| P/FCF | 75.8 | ||
| P/OCF | 42.65 | ||
| P/B | 0.93 | ||
| P/tB | 0.93 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.19
EY1.62%
EPS(NY)0.78
Fwd EY6.64%
FCF(TTM)0.16
FCFY1.32%
OCF(TTM)0.28
OCFY2.34%
SpS4.25
BVpS12.63
TBVpS12.63
PEG (NY)0.55
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%
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.
Can you provide the valuation status for BANKFINANCIAL CORP?
ChartMill assigns a valuation rating of 3 / 10 to BANKFINANCIAL CORP (BFIN). This can be considered as Overvalued.
What is the profitability of BFIN stock?
BANKFINANCIAL CORP (BFIN) has a profitability rating of 2 / 10.
What is the financial health of BANKFINANCIAL CORP (BFIN) stock?
The financial health rating of BANKFINANCIAL CORP (BFIN) is 2 / 10.
Is the dividend of BANKFINANCIAL CORP sustainable?
The dividend rating of BANKFINANCIAL CORP (BFIN) is 5 / 10 and the dividend payout ratio is 215.15%.