BANKFINANCIAL CORP (BFIN) Stock Fundamental Analysis
USA - NASDAQ:BFIN - US06643P1049 - Common Stock
11.33 USD
+0.16 (+1.43%)
11.33 USD
0 (0%)
BFIN gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 390 industry peers in the Banks industry. BFIN may be in some trouble as it scores bad on both profitability and health. BFIN is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
BFIN had positive earnings in the past year.
BFIN had a positive operating cash flow in the past year.
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
With a Return On Assets value of 0.14%, BFIN is not doing good in the industry: 87.18% of the companies in the same industry are doing better.
Looking at the Return On Equity, with a value of 1.25%, BFIN is doing worse than 87.44% of the companies in the same industry.
| 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
Looking at the Profit Margin, with a value of 3.70%, BFIN is doing worse than 87.18% of the companies in the same industry.
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) | 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.
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.
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.
The Debt to FCF ratio of BFIN (2.49) is comparable to the rest of the industry.
A Debt/Equity ratio of 0.12 indicates that BFIN is not too dependend on debt financing.
BFIN has a Debt to Equity ratio of 0.12. This is in the better half of the industry: BFIN outperforms 64.87% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 2.49 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.27%
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 -56.00%.
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.
Looking at the last year, BFIN shows a decrease in Revenue. The Revenue has decreased by -3.88% in the last 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)-56%
EPS 3Y-14.61%
EPS 5Y-15.14%
EPS Q2Q%N/A
Revenue 1Y (TTM)-3.88%
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
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
Based on the Price/Earnings ratio of 34.33, the valuation of BFIN can be described as expensive.
BFIN's Price/Earnings ratio is rather expensive when compared to the industry. BFIN is more expensive than 85.90% of the companies in the same industry.
BFIN is valuated rather expensively when we compare the Price/Earnings ratio to 25.83, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 14.52, BFIN is valued correctly.
Based on the Price/Forward Earnings ratio, BFIN is valued a bit more expensive than the industry average as 73.59% of the companies are valued more cheaply.
BFIN's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 32.68.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 34.33 | ||
| Fwd PE | 14.52 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, BFIN is valued a bit more expensive than 67.69% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 19.29 | ||
| 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)0.31
PEG (5Y)N/A
EPS Next 2Y53.77%
EPS Next 3YN/A
5. Dividend
5.1 Amount
BFIN has a Yearly Dividend Yield of 3.52%. Purely for dividend investing, there may be better candidates out there.
BFIN's Dividend Yield is a higher than the industry average which is at 3.42.
Compared to an average S&P500 Dividend Yield of 2.39, BFIN pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.52% |
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
5.3 Sustainability
BFIN pays out 255.51% of its income as dividend. This is not a sustainable payout ratio.
The dividend of BFIN is growing, but earnings are growing more, so the dividend growth is sustainable.
DP255.51%
EPS Next 2Y53.77%
EPS Next 3YN/A
11.33
+0.16 (+1.43%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners66.42%
Inst Owner Change0.04%
Ins Owners3.6%
Ins Owner Change0%
Market Cap141.17M
Revenue(TTM)54.40M
Net Income(TTM)1.95M
Analysts45.71
Price Target11.99 (5.83%)
Short Float %2.08%
Short Ratio3.41
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.52% |
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)0%
PT rev (3m)-12.96%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0.34%
Revenue NQ rev (3m)0.34%
Revenue NY rev (1m)0.55%
Revenue NY rev (3m)0.55%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 34.33 | ||
| Fwd PE | 14.52 | ||
| P/S | 2.68 | ||
| P/FCF | 19.29 | ||
| P/OCF | 15.63 | ||
| P/B | 0.9 | ||
| P/tB | 0.9 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.33
EY2.91%
EPS(NY)0.78
Fwd EY6.89%
FCF(TTM)0.59
FCFY5.19%
OCF(TTM)0.72
OCFY6.4%
SpS4.23
BVpS12.52
TBVpS12.52
PEG (NY)0.31
PEG (5Y)N/A
Graham Number9.64
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
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 | 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
WACC15.27%
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)-56%
EPS 3Y-14.61%
EPS 5Y-15.14%
EPS Q2Q%N/A
EPS Next Y111.73%
EPS Next 2Y53.77%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-3.88%
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-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%
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 3 / 10.
Is the dividend of BANKFINANCIAL CORP sustainable?
The dividend rating of BANKFINANCIAL CORP (BFIN) is 5 / 10 and the dividend payout ratio is 255.51%.