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BANKFINANCIAL CORP (BFIN) Stock Fundamental Analysis

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

11.87  +0.02 (+0.17%)

Fundamental Rating

3

Taking everything into account, BFIN scores 3 out of 10 in our fundamental rating. BFIN was compared to 394 industry peers in the Banks industry. BFIN has a bad profitability rating. Also its financial health evaluation is rather negative. BFIN does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

BFIN had positive earnings in the past year.
In the past year BFIN had a positive cash flow from operations.
BFIN had positive earnings in each of the past 5 years.
In the past 5 years BFIN always reported a positive cash flow from operatings.
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's Return On Assets of 0.31% is on the low side compared to the rest of the industry. BFIN is outperformed by 84.26% of its industry peers.
BFIN has a Return On Equity of 2.82%. This is amonst the worse of the industry: BFIN underperforms 84.01% 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 85.03% 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 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

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3

2. Health

2.1 Basic Checks

BFIN does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, BFIN has about the same amount of shares outstanding.
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.
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.
The Debt to FCF ratio of BFIN (3.66) is worse than 65.99% of its industry peers.
A Debt/Equity ratio of 0.12 indicates that BFIN is not too dependend on debt financing.
BFIN's Debt to Equity ratio of 0.12 is fine compared to the rest of the industry. BFIN outperforms 65.99% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF 3.66
Altman-Z N/A
ROIC/WACCN/A
WACC15.32%
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

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3

3. Growth

3.1 Past

The earnings per share for BFIN have decreased strongly by -47.06% in the last year.
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 -5.99% 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)-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

The Earnings Per Share is expected to grow by 53.77% on average over the next years. This is a very strong growth
BFIN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.59% yearly.
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.
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

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3

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 32.97 indicates a quite expensive valuation of BFIN.
Compared to the rest of the industry, the Price/Earnings ratio of BFIN indicates a rather expensive valuation: BFIN more expensive than 85.28% of the companies listed in the same industry.
BFIN's Price/Earnings ratio indicates a valuation a bit more expensive than the S&P500 average which is at 27.48.
The Price/Forward Earnings ratio is 15.21, which indicates a correct valuation of BFIN.
Compared to the rest of the industry, the Price/Forward Earnings ratio of BFIN indicates a slightly more expensive valuation: BFIN is more expensive than 73.35% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.52, BFIN is valued rather cheaply.
Industry RankSector Rank
PE 32.97
Fwd PE 15.21
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

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 78.93% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 29.69
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.
A more expensive valuation may be justified as BFIN's earnings are expected to grow with 53.77% in the coming years.
PEG (NY)0.3
PEG (5Y)N/A
EPS Next 2Y53.77%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

BFIN has a Yearly Dividend Yield of 3.36%.
Compared to an average industry Dividend Yield of 3.31, BFIN pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.34, BFIN pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.36%

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.
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.
The dividend of BFIN is growing, but earnings are growing more, so the dividend growth is 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

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BANKFINANCIAL CORP

NASDAQ:BFIN (7/18/2025, 10:55:39 AM)

11.87

+0.02 (+0.17%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-25 2025-04-25/bmo
Earnings (Next)07-29 2025-07-29/amc
Inst Owners63.36%
Inst Owner Change0%
Ins Owners4.8%
Ins Owner Change0%
Market Cap147.90M
Analysts82.5
Price Target13.77 (16.01%)
Short Float %1.48%
Short Ratio3.63
Dividend
Industry RankSector Rank
Dividend Yield 3.36%
Yearly Dividend0.4
Dividend Growth(5Y)0.28%
DP112.17%
Div Incr Years0
Div Non Decr Years1
Ex-Date05-09 2025-05-09 (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)-11.76%
EPS NQ rev (3m)-11.76%
EPS NY rev (1m)-9.27%
EPS NY rev (3m)-3.52%
Revenue NQ rev (1m)-3.61%
Revenue NQ rev (3m)-4%
Revenue NY rev (1m)-2.99%
Revenue NY rev (3m)-3.88%
Valuation
Industry RankSector Rank
PE 32.97
Fwd PE 15.21
P/S 2.77
P/FCF 29.69
P/OCF 21.32
P/B 0.94
P/tB 0.94
EV/EBITDA N/A
EPS(TTM)0.36
EY3.03%
EPS(NY)0.78
Fwd EY6.57%
FCF(TTM)0.4
FCFY3.37%
OCF(TTM)0.56
OCFY4.69%
SpS4.28
BVpS12.64
TBVpS12.64
PEG (NY)0.3
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
WACC15.32%
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%