BANKFINANCIAL CORP(NASDAQ:BFIN) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, BFIN scores 3 out of 10 in our fundamental rating. BFIN was compared to 398 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.

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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.

In the past 5 years BFIN always reported a positive cash flow from operatings.

1.2 Ratios

BFIN has a Return On Assets of 0.28%. This is amonst the worse of the industry: BFIN underperforms 84.17% of its industry peers.

BFIN's Return On Equity of 2.60% is on the low side compared to the rest of the industry. BFIN is outperformed by 84.67% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.28%
ROE	2.6%
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's Profit Margin of 7.50% is on the low side compared to the rest of the industry. BFIN is outperformed by 85.93% of its industry peers.

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 Rank	Sector Rank
OM	N/A
PM (TTM)	7.5%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

The number of shares outstanding for BFIN has been reduced compared to 5 years ago.

BFIN has a better debt/assets ratio than last year.

2.2 Solvency

The Debt to FCF ratio of BFIN is 3.43, which is a good value as it means it would take BFIN, 3.43 years of fcf income to pay off all of its debts.

BFIN has a Debt to FCF ratio of 3.43. This is in the lower half of the industry: BFIN underperforms 62.81% 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 66.83% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.12
Debt/FCF	3.43
Altman-Z	N/A

ROIC/WACCN/A

WACC14.83%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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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%.

The earnings per share for BFIN have been decreasing by -15.14% on average. This is quite bad

The Revenue has decreased by -4.02% in the past year.

The Revenue has been decreasing by -1.40% on average over the past years.

EPS 1Y (TTM)-56%

EPS 3Y-14.61%

EPS 5Y-15.14%

EPS Q2Q%-182.35%

Revenue 1Y (TTM)-4.02%

Revenue growth 3Y3.3%

Revenue growth 5Y-1.4%

Sales Q2Q%-6.07%

3.2 Future

The Earnings Per Share is expected to grow by 59.20% 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 4.65% on average per year.

EPS Next Y119.45%

EPS Next 2Y59.2%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year0.91%

Revenue Next 2Y4.65%

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.

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4. Valuation

4.1 Price/Earnings Ratio

BFIN is valuated quite expensively with a Price/Earnings ratio of 38.45.

Based on the Price/Earnings ratio, BFIN is valued expensively inside the industry as 85.68% of the companies are valued cheaper.

Compared to an average S&P500 Price/Earnings ratio of 28.22, BFIN is valued a bit more expensive.

BFIN is valuated rather expensively with a Price/Forward Earnings ratio of 17.52.

Based on the Price/Forward Earnings ratio, BFIN is valued a bit more expensive than the industry average as 75.13% of the companies are valued more cheaply.

The average S&P500 Price/Forward Earnings ratio is at 20.86. BFIN is around the same levels.

		Industry Rank	Sector Rank
PE	38.45
Fwd PE	17.52

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, BFIN is valued a bit more expensive than 79.90% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	28.91
EV/EBITDA	N/A

4.3 Compensation for Growth

The 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 59.20% in the coming years.

PEG (NY)0.32

PEG (5Y)N/A

EPS Next 2Y59.2%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

BFIN has a Yearly Dividend Yield of 3.28%. Purely for dividend investing, there may be better candidates out there.

BFIN's Dividend Yield is comparable with the industry average which is at 3.52.

Compared to an average S&P500 Dividend Yield of 2.44, BFIN pays a bit more dividend than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	3.28%

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

122.42% 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.

DP122.42%

EPS Next 2Y59.2%

EPS Next 3YN/A

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BANKFINANCIAL CORP

NASDAQ:BFIN (5/2/2025, 8:00:01 PM)

12.69

+0.39 (+3.17%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)02-03 2025-02-03/amc

Earnings (Next)05-07 2025-05-07/amc

Inst Owners62.01%

Inst Owner Change0%

Ins Owners4.45%

Ins Owner Change0%

Market Cap158.12M

Analysts82.5

Price Target13.77 (8.51%)

Short Float %0.28%

Short Ratio1.92

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.28%

Yearly Dividend0.4

Dividend Growth(5Y)0.28%

DP122.42%

Div Incr Years0

Div Non Decr Years1

Ex-Date02-14 2025-02-14 (0.1)

Surprises & Revisions

EPS beat(2)0

Avg EPS beat(2)-94.97%

Min EPS beat(2)-170.39%

Max EPS beat(2)-19.56%

EPS beat(4)0

Avg EPS beat(4)-51.53%

Min EPS beat(4)-170.39%

Max EPS beat(4)-1.96%

EPS beat(8)0

Avg EPS beat(8)-35.91%

EPS beat(12)1

Avg EPS beat(12)-26.37%

EPS beat(16)3

Avg EPS beat(16)-19.71%

Revenue beat(2)0

Avg Revenue beat(2)-3.33%

Min Revenue beat(2)-5%

Max Revenue beat(2)-1.66%

Revenue beat(4)1

Avg Revenue beat(4)-0.74%

Min Revenue beat(4)-5%

Max Revenue beat(4)4.25%

Revenue beat(8)1

Avg Revenue beat(8)-3.14%

Revenue beat(12)5

Avg Revenue beat(12)0.88%

Revenue beat(16)9

Avg Revenue beat(16)3.01%

PT rev (1m)0%

PT rev (3m)0%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-3.23%

EPS NY rev (1m)0%

EPS NY rev (3m)2.9%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-1.25%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0%

Valuation

		Industry Rank	Sector Rank
PE	38.45
Fwd PE	17.52
P/S	2.91
P/FCF	28.91
P/OCF	20.9
P/B	1.01
P/tB	1.01
EV/EBITDA	N/A

EPS(TTM)0.33

EY2.6%

EPS(NY)0.72

Fwd EY5.71%

FCF(TTM)0.44

FCFY3.46%

OCF(TTM)0.61

OCFY4.78%

SpS4.36

BVpS12.55

TBVpS12.55

PEG (NY)0.32

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.28%
ROE	2.6%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	7.5%
GM	N/A
FCFM	10.07%

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-Score6

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.12
Debt/FCF	3.43
Debt/EBITDA	N/A
Cap/Depr	1285.28%
Cap/Sales	3.86%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	134.27%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC14.83%

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%-182.35%

EPS Next Y119.45%

EPS Next 2Y59.2%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-4.02%

Revenue growth 3Y3.3%

Revenue growth 5Y-1.4%

Sales Q2Q%-6.07%

Revenue Next Year0.91%

Revenue Next 2Y4.65%

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-25.56%

FCF growth 3Y0.24%

FCF growth 5Y-23.28%

OCF growth 1Y-17.97%

OCF growth 3Y-0.89%

OCF growth 5Y-18.76%

BANKFINANCIAL CORP (BFIN) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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