BANKFINANCIAL CORP (BFIN) Stock Fundamental Analysis
NASDAQ:BFIN - US06643P1049 - Common Stock
12.33 USD
-0.04 (-0.32%)
BFIN gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 395 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.
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.
Each year in the past 5 years BFIN has been profitable.
BFIN had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.14%, BFIN is doing worse than 87.09% of the companies in the same industry.
The Return On Equity of BFIN (1.25%) is worse than 87.34% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.14% | ||
| ROE | 1.25% | ||
| 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
The Profit Margin of BFIN (3.70%) is worse than 87.34% of its industry peers.
In the last couple of years the Profit Margin of BFIN has declined.
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) | 3.7% | ||
| 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.
BFIN has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, BFIN has an improved debt to assets ratio.
2.2 Solvency
BFIN has a debt to FCF ratio of 2.49. This is a good value and a sign of high solvency as BFIN would need 2.49 years to pay back of all of its debts.
BFIN has a Debt to FCF ratio of 2.49. This is comparable to the rest of the industry: BFIN outperforms 43.29% of its industry peers.
A Debt/Equity ratio of 0.12 indicates that BFIN is not too dependend on debt financing.
The Debt to Equity ratio of BFIN (0.12) is better than 64.56% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 2.49 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.95%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
BFIN shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -76.12%.
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 -6.42%.
Measured over the past years, BFIN shows a decrease in Revenue. The Revenue has been decreasing by -1.40% on average per year.
EPS 1Y (TTM)-76.12%
EPS 3Y-14.61%
EPS 5Y-15.14%
EPS Q2Q%-117.65%
Revenue 1Y (TTM)-6.42%
Revenue growth 3Y3.3%
Revenue growth 5Y-1.4%
Sales Q2Q%-15.83%
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
Based on estimates for the next years, BFIN will show a small growth in Revenue. The Revenue will grow by 1.59% on average per year.
EPS Next Y111.73%
EPS Next 2Y53.77%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-3%
Revenue Next 2Y1.59%
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.
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
A Price/Earnings ratio of 77.06 indicates a quite expensive valuation of BFIN.
87.34% of the companies in the same industry are cheaper than BFIN, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 26.84, BFIN is valued quite expensively.
The Price/Forward Earnings ratio is 15.80, which indicates a correct valuation of BFIN.
Based on the Price/Forward Earnings ratio, BFIN is valued a bit more expensive than 74.94% 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 22.48.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 77.06 | ||
| Fwd PE | 15.8 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of BFIN indicates a slightly more expensive valuation: BFIN is more expensive than 70.13% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 20.99 | ||
| 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.
BFIN's earnings are expected to grow with 53.77% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.69
PEG (5Y)N/A
EPS Next 2Y53.77%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.23%, BFIN has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.17, BFIN pays a bit more dividend than its industry peers.
BFIN's Dividend Yield is a higher than the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.23% |
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
255.51% 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.
DP255.51%
EPS Next 2Y53.77%
EPS Next 3YN/A
NASDAQ:BFIN (9/3/2025, 4:30:01 PM)
12.33
-0.04 (-0.32%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners64.39%
Inst Owner Change4.87%
Ins Owners3.6%
Ins Owner Change0%
Market Cap153.63M
Analysts82.5
Price Target11.99 (-2.76%)
Short Float %2.12%
Short Ratio2.62
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.23% |
Yearly Dividend0.4
Dividend Growth(5Y)0.28%
DP255.51%
Div Incr Years0
Div Non Decr Years1
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-54.25%
Min EPS beat(2)-119.61%
Max EPS beat(2)11.11%
EPS beat(4)1
Avg EPS beat(4)-74.61%
Min EPS beat(4)-170.39%
Max EPS beat(4)11.11%
EPS beat(8)1
Avg EPS beat(8)-42.15%
EPS beat(12)1
Avg EPS beat(12)-35.49%
EPS beat(16)3
Avg EPS beat(16)-25.3%
Revenue beat(2)0
Avg Revenue beat(2)-5.43%
Min Revenue beat(2)-5.85%
Max Revenue beat(2)-5.02%
Revenue beat(4)0
Avg Revenue beat(4)-4.38%
Min Revenue beat(4)-5.85%
Max Revenue beat(4)-1.66%
Revenue beat(8)1
Avg Revenue beat(8)-2.86%
Revenue beat(12)3
Avg Revenue beat(12)-2.12%
Revenue beat(16)7
Avg Revenue beat(16)1.46%
PT rev (1m)-12.96%
PT rev (3m)-12.96%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-7.69%
EPS NY rev (1m)0%
EPS NY rev (3m)-9.27%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-4.27%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.99%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 77.06 | ||
| Fwd PE | 15.8 | ||
| P/S | 2.91 | ||
| P/FCF | 20.99 | ||
| P/OCF | 17.01 | ||
| P/B | 0.98 | ||
| P/tB | 0.98 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.16
EY1.3%
EPS(NY)0.78
Fwd EY6.33%
FCF(TTM)0.59
FCFY4.76%
OCF(TTM)0.72
OCFY5.88%
SpS4.23
BVpS12.52
TBVpS12.52
PEG (NY)0.69
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.14% | ||
| ROE | 1.25% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 3.7% | ||
| GM | N/A | ||
| FCFM | 13.88% |
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
ROICexcg growth 3YN/A
ROICexcg 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 | 2.49 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 1049.69% | ||
| Cap/Sales | 3.24% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 375.19% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACC14.95%
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)-76.12%
EPS 3Y-14.61%
EPS 5Y-15.14%
EPS Q2Q%-117.65%
EPS Next Y111.73%
EPS Next 2Y53.77%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-6.42%
Revenue growth 3Y3.3%
Revenue growth 5Y-1.4%
Sales Q2Q%-15.83%
Revenue Next Year-3%
Revenue Next 2Y1.59%
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-39.5%
FCF growth 3Y0.24%
FCF growth 5Y-23.28%
OCF growth 1Y-34.56%
OCF growth 3Y-0.89%
OCF growth 5Y-18.76%