12.66 USD
-0.11 (-0.86%)
12.66 USD
0 (0%)
Taking everything into account, BFIN scores 3 out of 10 in our fundamental rating. BFIN was compared to 388 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.
1. Profitability
1.1 Basic Checks
In the past year BFIN was profitable.
BFIN had a positive operating cash flow in the past year.
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.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.16%, BFIN is doing worse than 88.14% of the companies in the same industry.
Looking at the Return On Equity, with a value of 1.47%, BFIN is doing worse than 87.63% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.16% | ||
| ROE | 1.47% | ||
| 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
The Profit Margin of BFIN (4.38%) is worse than 88.66% of its industry peers.
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) | 4.38% | ||
| 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.
Compared to 1 year ago, BFIN has about the same amount of shares outstanding.
Compared to 5 years ago, BFIN has less shares outstanding
The debt/assets ratio for BFIN has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of BFIN is 9.45, which is on the high side as it means it would take BFIN, 9.45 years of fcf income to pay off all of its debts.
BFIN has a worse Debt to FCF ratio (9.45) than 77.84% of its industry peers.
A Debt/Equity ratio of 0.12 indicates that BFIN is not too dependend on debt financing.
BFIN has a better Debt to Equity ratio (0.12) than 63.14% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 9.45 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.77%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for BFIN have decreased strongly by -70.31% 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 -4.18% 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)-70.31%
EPS 3Y-14.61%
EPS 5Y-15.14%
EPS Q2Q%18.75%
Revenue 1Y (TTM)-4.18%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 66.63, BFIN can be considered very expensive at the moment.
Compared to the rest of the industry, the Price/Earnings ratio of BFIN indicates a rather expensive valuation: BFIN more expensive than 87.11% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 26.39. BFIN is valued rather expensively when compared to this.
Based on the Price/Forward Earnings ratio of 16.22, the valuation of BFIN can be described as correct.
75.77% of the companies in the same industry are cheaper than BFIN, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of BFIN to the average of the S&P500 Index (23.84), we can say BFIN is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 66.63 | ||
| Fwd PE | 16.22 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of BFIN indicates a rather expensive valuation: BFIN more expensive than 81.70% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 81.61 | ||
| 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.
BFIN's earnings are expected to grow with 53.77% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.6
PEG (5Y)N/A
EPS Next 2Y53.77%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.13%, BFIN has a reasonable but not impressive dividend return.
BFIN's Dividend Yield is a higher than the industry average which is at 2.74.
Compared to an average S&P500 Dividend Yield of 1.87, BFIN pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.13% |
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
5.3 Sustainability
215.15% 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.
DP215.15%
EPS Next 2Y53.77%
EPS Next 3YN/A
12.66
-0.11 (-0.86%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners66.97%
Inst Owner Change3.44%
Ins Owners3.6%
Ins Owner Change0%
Market Cap157.74M
Revenue(TTM)52.92M
Net Income(TTM)2.32M
Analysts45.71
Price Target11.99 (-5.29%)
Short Float %2.42%
Short Ratio7.22
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.13% |
Yearly Dividend0.4
Dividend Growth(5Y)0.28%
DP215.15%
Div Incr Years0
Div Non Decr Years1
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-58.06%
Min EPS beat(2)-119.61%
Max EPS beat(2)3.49%
EPS beat(4)2
Avg EPS beat(4)-68.85%
Min EPS beat(4)-170.39%
Max EPS beat(4)11.11%
EPS beat(8)2
Avg EPS beat(8)-41.47%
EPS beat(12)2
Avg EPS beat(12)-33.91%
EPS beat(16)4
Avg EPS beat(16)-24.71%
Revenue beat(2)0
Avg Revenue beat(2)-5.5%
Min Revenue beat(2)-5.85%
Max Revenue beat(2)-5.14%
Revenue beat(4)0
Avg Revenue beat(4)-5.25%
Min Revenue beat(4)-5.85%
Max Revenue beat(4)-5%
Revenue beat(8)1
Avg Revenue beat(8)-3.16%
Revenue beat(12)2
Avg Revenue beat(12)-2.96%
Revenue beat(16)6
Avg Revenue beat(16)0.48%
PT rev (1m)0%
PT rev (3m)0%
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%
Revenue NQ rev (3m)0.33%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.55%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 66.63 | ||
| Fwd PE | 16.22 | ||
| P/S | 2.98 | ||
| P/FCF | 81.61 | ||
| P/OCF | 45.91 | ||
| P/B | 1 | ||
| P/tB | 1 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.19
EY1.5%
EPS(NY)0.78
Fwd EY6.16%
FCF(TTM)0.16
FCFY1.23%
OCF(TTM)0.28
OCFY2.18%
SpS4.25
BVpS12.63
TBVpS12.63
PEG (NY)0.6
PEG (5Y)N/A
Graham Number7.35
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.16% | ||
| ROE | 1.47% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 4.38% | ||
| GM | N/A | ||
| FCFM | 3.65% |
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 | 9.45 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 922.09% | ||
| Cap/Sales | 2.84% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 83.43% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACC14.77%
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)-70.31%
EPS 3Y-14.61%
EPS 5Y-15.14%
EPS Q2Q%18.75%
EPS Next Y111.73%
EPS Next 2Y53.77%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-4.18%
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-84.14%
FCF growth 3Y0.24%
FCF growth 5Y-23.28%
OCF growth 1Y-75.49%
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 2 / 10.
Is the dividend of BANKFINANCIAL CORP sustainable?
The dividend rating of BANKFINANCIAL CORP (BFIN) is 5 / 10 and the dividend payout ratio is 215.15%.