BFIN Fundamental Analysis - BANKFINANCIAL CORP

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to BFIN. BFIN was compared to 392 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.

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1. Profitability

1.1 Basic Checks

In the past year BFIN was profitable.

BFIN had a positive operating cash flow in the past year.

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

BFIN has a Return On Assets of 0.14%. This is amonst the worse of the industry: BFIN underperforms 87.24% of its industry peers.

With a Return On Equity value of 1.25%, BFIN is not doing good in the industry: 87.50% of the companies in the same industry are doing better.

		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 87.24% of the companies in the same industry.

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)	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

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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.

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

The Debt to FCF ratio of BFIN is 2.49, which is a good value as it means it would take BFIN, 2.49 years of fcf income to pay off all of its debts.

BFIN has a Debt to FCF ratio (2.49) which 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 64.54% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.12
Debt/FCF	2.49
Altman-Z	N/A

ROIC/WACCN/A

WACC15.2%

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 -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.

Looking at the last year, BFIN shows a decrease in Revenue. The Revenue has decreased by -6.38% in the last year.

BFIN shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -1.40% yearly.

EPS 1Y (TTM)-76.12%

EPS 3Y-14.61%

EPS 5Y-15.14%

EPS Q2Q%-117.65%

Revenue 1Y (TTM)-6.38%

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 72.25, which means the current valuation is very expensive for BFIN.

Based on the Price/Earnings ratio, BFIN is valued expensively inside the industry as 87.24% of the companies are valued cheaper.

BFIN's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 27.02.

A Price/Forward Earnings ratio of 14.81 indicates a correct valuation of BFIN.

75.00% of the companies in the same industry are cheaper than BFIN, based on the Price/Forward Earnings ratio.

BFIN is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.57, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	72.25
Fwd PE	14.81

4.2 Price Multiples

71.17% of the companies in the same industry are cheaper than BFIN, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	19.68
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 53.77% in the coming years.

PEG (NY)0.65

PEG (5Y)N/A

EPS Next 2Y53.77%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.32%, BFIN has a reasonable but not impressive dividend return.

Compared to an average industry Dividend Yield of 3.59, BFIN has a dividend in line with its industry peers.

BFIN's Dividend Yield is a higher than the S&P500 average which is at 2.44.

		Industry Rank	Sector Rank
Dividend Yield	3.32%

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.

BFIN has decreased its dividend 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.

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

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BANKFINANCIAL CORP

NASDAQ:BFIN (10/10/2025, 9:11:46 PM)

After market: 11.56 0 (0%)

11.56

-0.49 (-4.07%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)08-06 2025-08-06/amc

Earnings (Next)11-03 2025-11-03/amc

Inst Owners66.42%

Inst Owner Change0%

Ins Owners3.6%

Ins Owner Change0%

Market Cap144.04M

Analysts45.71

Price Target11.99 (3.72%)

Short Float %2.52%

Short Ratio3.55

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.32%

Yearly Dividend0.4

Dividend Growth(5Y)0.28%

DP255.51%

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)-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)-9.27%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-2.99%

Valuation

		Industry Rank	Sector Rank
PE	72.25
Fwd PE	14.81
P/S	2.73
P/FCF	19.68
P/OCF	15.95
P/B	0.92
P/tB	0.92
EV/EBITDA	N/A

EPS(TTM)0.16

EY1.38%

EPS(NY)0.78

Fwd EY6.75%

FCF(TTM)0.59

FCFY5.08%

OCF(TTM)0.72

OCFY6.27%

SpS4.23

BVpS12.52

TBVpS12.52

PEG (NY)0.65

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	13.87%

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

WACC15.2%

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)-6.38%

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%

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

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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