Logo image of BFIN

BANKFINANCIAL CORP (BFIN) Stock Fundamental Analysis

NASDAQ:BFIN - Nasdaq - US06643P1049 - Common Stock - Currency: USD

10.87  +0.17 (+1.59%)

Fundamental Rating

3

Overall BFIN gets a fundamental rating of 3 out of 10. We evaluated BFIN against 392 industry peers in the Banks industry. Both the profitability and financial health of BFIN have multiple concerns. BFIN has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

Quickly go to:

2

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.
BFIN Yearly Net Income VS EBIT VS OCF VS FCFBFIN Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M

1.2 Ratios

BFIN has a Return On Assets of 0.31%. This is amonst the worse of the industry: BFIN underperforms 84.44% of its industry peers.
BFIN has a worse Return On Equity (2.82%) than 84.18% of its industry peers.
Industry RankSector Rank
ROA 0.31%
ROE 2.82%
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
BFIN Yearly ROA, ROE, ROICBFIN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

Looking at the Profit Margin, with a value of 8.33%, BFIN is doing worse than 84.44% of the companies in the same industry.
BFIN's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for BFIN so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 8.33%
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
BFIN Yearly Profit, Operating, Gross MarginsBFIN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

More info and screens

3

2. Health

2.1 Basic Checks

BFIN does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for BFIN remains at a similar level compared to 1 year ago.
BFIN has less shares outstanding than it did 5 years ago.
The debt/assets ratio for BFIN has been reduced compared to a year ago.
BFIN Yearly Shares OutstandingBFIN Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M
BFIN Yearly Total Debt VS Total AssetsBFIN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

2.2 Solvency

BFIN has a debt to FCF ratio of 3.66. This is a good value and a sign of high solvency as BFIN would need 3.66 years to pay back of all of its debts.
BFIN has a Debt to FCF ratio of 3.66. This is in the lower half of the industry: BFIN underperforms 64.80% 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 has a better Debt to Equity ratio (0.12) than 66.07% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF 3.66
Altman-Z N/A
ROIC/WACCN/A
WACC15.65%
BFIN Yearly LT Debt VS Equity VS FCFBFIN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BFIN Yearly Current Assets VS Current LiabilitesBFIN Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

More info and screens

3

3. Growth

3.1 Past

The earnings per share for BFIN have decreased strongly by -47.06% 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 -5.99% in the past year.
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)-47.06%
EPS 3Y-14.61%
EPS 5Y-15.14%
EPS Q2Q%21.43%
Revenue 1Y (TTM)-5.99%
Revenue growth 3Y3.3%
Revenue growth 5Y-1.4%
Sales Q2Q%-8.24%

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.
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

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.
BFIN Yearly Revenue VS EstimatesBFIN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M
BFIN Yearly EPS VS EstimatesBFIN Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2

More info and screens

3

4. Valuation

4.1 Price/Earnings Ratio

BFIN is valuated quite expensively with a Price/Earnings ratio of 30.19.
85.46% of the companies in the same industry are cheaper than BFIN, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of BFIN to the average of the S&P500 Index (26.54), we can say BFIN is valued inline with the index average.
The Price/Forward Earnings ratio is 13.93, which indicates a correct valuation of BFIN.
71.94% of the companies in the same industry are cheaper than BFIN, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 35.28, BFIN is valued rather cheaply.
Industry RankSector Rank
PE 30.19
Fwd PE 13.93
BFIN Price Earnings VS Forward Price EarningsBFIN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

BFIN's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. BFIN is more expensive than 77.81% of the companies in the same industry.
Industry RankSector Rank
P/FCF 27.19
EV/EBITDA N/A
BFIN Per share dataBFIN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

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)0.27
PEG (5Y)N/A
EPS Next 2Y53.77%
EPS Next 3YN/A

More info and screens

5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.66%, BFIN has a reasonable but not impressive dividend return.
BFIN's Dividend Yield is a higher than the industry average which is at 3.51.
Compared to an average S&P500 Dividend Yield of 2.40, BFIN pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.66%

5.2 History

The dividend of BFIN has a limited annual growth rate of 0.28%.
BFIN has paid a dividend for at least 10 years, which is a reliable track record.
The dividend of BFIN decreased recently.
Dividend Growth(5Y)0.28%
Div Incr Years0
Div Non Decr Years1
BFIN Yearly Dividends per shareBFIN Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

112.17% 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.
DP112.17%
EPS Next 2Y53.77%
EPS Next 3YN/A
BFIN Yearly Income VS Free CF VS DividendBFIN Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M
BFIN Dividend Payout.BFIN Dividend Payout, showing the Payout Ratio.BFIN Dividend Payout.PayoutRetained Earnings

More info and screens

BANKFINANCIAL CORP

NASDAQ:BFIN (8/8/2025, 11:43:28 AM)

10.87

+0.17 (+1.59%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-29 2025-07-29/amc
Earnings (Next)11-03 2025-11-03/amc
Inst Owners63.36%
Inst Owner Change-0.32%
Ins Owners4.8%
Ins Owner Change0%
Market Cap135.44M
Analysts82.5
Price Target13.77 (26.68%)
Short Float %1.89%
Short Ratio4.28
Dividend
Industry RankSector Rank
Dividend Yield 3.66%
Yearly Dividend0.4
Dividend Growth(5Y)0.28%
DP112.17%
Div Incr Years0
Div Non Decr Years1
Ex-Date08-15 2025-08-15 (0.1)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-79.64%
Min EPS beat(2)-170.39%
Max EPS beat(2)11.11%
EPS beat(4)1
Avg EPS beat(4)-45.2%
Min EPS beat(4)-170.39%
Max EPS beat(4)11.11%
EPS beat(8)1
Avg EPS beat(8)-31.38%
EPS beat(12)2
Avg EPS beat(12)-24.89%
EPS beat(16)4
Avg EPS beat(16)-17.15%
Revenue beat(2)0
Avg Revenue beat(2)-5.01%
Min Revenue beat(2)-5.02%
Max Revenue beat(2)-5%
Revenue beat(4)1
Avg Revenue beat(4)-1.85%
Min Revenue beat(4)-5.02%
Max Revenue beat(4)4.25%
Revenue beat(8)1
Avg Revenue beat(8)-2.74%
Revenue beat(12)4
Avg Revenue beat(12)-0.29%
Revenue beat(16)8
Avg Revenue beat(16)2.48%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-11.76%
EPS NY rev (1m)-9.27%
EPS NY rev (3m)-3.52%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-4%
Revenue NY rev (1m)-2.99%
Revenue NY rev (3m)-3.88%
Valuation
Industry RankSector Rank
PE 30.19
Fwd PE 13.93
P/S 2.54
P/FCF 27.19
P/OCF 19.52
P/B 0.86
P/tB 0.86
EV/EBITDA N/A
EPS(TTM)0.36
EY3.31%
EPS(NY)0.78
Fwd EY7.18%
FCF(TTM)0.4
FCFY3.68%
OCF(TTM)0.56
OCFY5.12%
SpS4.28
BVpS12.64
TBVpS12.64
PEG (NY)0.27
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.31%
ROE 2.82%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 8.33%
GM N/A
FCFM 9.33%
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 RankSector Rank
Debt/Equity 0.12
Debt/FCF 3.66
Debt/EBITDA N/A
Cap/Depr 1200%
Cap/Sales 3.66%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 112.11%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC15.65%
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)-47.06%
EPS 3Y-14.61%
EPS 5Y-15.14%
EPS Q2Q%21.43%
EPS Next Y111.73%
EPS Next 2Y53.77%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-5.99%
Revenue growth 3Y3.3%
Revenue growth 5Y-1.4%
Sales Q2Q%-8.24%
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-62.11%
FCF growth 3Y0.24%
FCF growth 5Y-23.28%
OCF growth 1Y-53.78%
OCF growth 3Y-0.89%
OCF growth 5Y-18.76%