BANKFINANCIAL CORP (BFIN) Stock Fundamental Analysis
NASDAQ:BFIN - Nasdaq - US06643P1049 - Common Stock - Currency: USD
We assign a fundamental rating of 3 out of 10 to BFIN. BFIN was compared to 402 industry peers in the Banks industry. Both the profitability and financial health of BFIN have multiple concerns. BFIN does not seem to be growing, but still is valued expensively.
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 0.56%, BFIN is doing worse than 69.06% of the companies in the same industry.
BFIN has a Return On Equity of 4.98%. This is in the lower half of the industry: BFIN underperforms 74.01% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.56% | ||
| ROE | 4.98% | ||
| ROIC | N/A |
ROA(3y)0.58%
ROA(5y)0.62%
ROE(3y)5.89%
ROE(5y)5.93%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
BFIN has a worse Profit Margin (14.31%) than 74.75% of its industry peers.
In the last couple of years the Profit Margin of BFIN has declined.
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) | 14.31% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-2.48%
PM growth 5Y-10.49%
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 less shares outstanding
The number of shares outstanding for BFIN has been reduced compared to 5 years ago.
BFIN has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of BFIN is 3.47, which is a good value as it means it would take BFIN, 3.47 years of fcf income to pay off all of its debts.
BFIN's Debt to FCF ratio of 3.47 is in line compared to the rest of the industry. BFIN outperforms 43.07% of its industry peers.
BFIN has a Debt/Equity ratio of 0.12. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.12, BFIN is in the better half of the industry, outperforming 69.80% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 3.47 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.94%
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 -24.71%.
BFIN shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -7.71% yearly.
Looking at the last year, BFIN shows a decrease in Revenue. The Revenue has decreased by -4.47% in the last year.
BFIN shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -3.31% yearly.
EPS 1Y (TTM)-24.71%
EPS 3Y6.55%
EPS 5Y-7.71%
EPS Q2Q%-15.79%
Revenue 1Y (TTM)-4.47%
Revenue growth 3Y3.4%
Revenue growth 5Y-3.31%
Sales Q2Q%-1.46%
3.2 Future
BFIN is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.67% yearly.
BFIN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 0.67% yearly.
EPS Next Y-9.56%
EPS Next 2Y-2.08%
EPS Next 3Y9.67%
EPS Next 5YN/A
Revenue Next Year-6.84%
Revenue Next 2Y-3.04%
Revenue Next 3Y0.67%
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
Based on the Price/Earnings ratio of 20.08, the valuation of BFIN can be described as rather expensive.
Based on the Price/Earnings ratio, BFIN is valued more expensive than 80.45% of the companies in the same industry.
When comparing the Price/Earnings ratio of BFIN to the average of the S&P500 Index (29.35), we can say BFIN is valued slightly cheaper.
With a Price/Forward Earnings ratio of 17.87, BFIN is valued on the expensive side.
Based on the Price/Forward Earnings ratio, BFIN is valued a bit more expensive than the industry average as 74.50% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.10, BFIN is valued at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.08 | ||
| Fwd PE | 17.87 |
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 77.97% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 29.69 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-2.08%
EPS Next 3Y9.67%
5. Dividend
5.1 Amount
BFIN has a Yearly Dividend Yield of 3.12%.
Compared to an average industry Dividend Yield of 3.37, BFIN has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.33, BFIN pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.12% |
5.2 History
The dividend of BFIN has a limited annual growth rate of 1.44%.
BFIN has been paying a dividend for at least 10 years, so it has a reliable track record.
BFIN has decreased its dividend recently.
Dividend Growth(5Y)1.44%
Div Incr Years0
Div Non Decr Years1
5.3 Sustainability
BFIN pays out 63.10% 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.
DP63.1%
EPS Next 2Y-2.08%
EPS Next 3Y9.67%
NASDAQ:BFIN (3/7/2025, 8:07:16 PM)
12.85
+0.01 (+0.08%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners62.01%
Inst Owner Change21.32%
Ins Owners4.45%
Ins Owner Change0%
Market Cap160.11M
Analysts82.5
Price Target13.77 (7.16%)
Short Float %0.21%
Short Ratio1.34
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.12% |
Yearly Dividend0.4
Dividend Growth(5Y)1.44%
DP63.1%
Div Incr Years0
Div Non Decr Years1
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-10.76%
Min EPS beat(2)-19.56%
Max EPS beat(2)-1.96%
EPS beat(4)0
Avg EPS beat(4)-14.09%
Min EPS beat(4)-20.63%
Max EPS beat(4)-1.96%
EPS beat(8)0
Avg EPS beat(8)-16.44%
EPS beat(12)2
Avg EPS beat(12)-10%
EPS beat(16)4
Avg EPS beat(16)-8.13%
Revenue beat(2)1
Avg Revenue beat(2)1.3%
Min Revenue beat(2)-1.66%
Max Revenue beat(2)4.25%
Revenue beat(4)1
Avg Revenue beat(4)-1.08%
Min Revenue beat(4)-6.35%
Max Revenue beat(4)4.25%
Revenue beat(8)2
Avg Revenue beat(8)-1.81%
Revenue beat(12)6
Avg Revenue beat(12)2.4%
Revenue beat(16)10
Avg Revenue beat(16)4.23%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)5.41%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.75%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.23%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.3%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.08 | ||
| Fwd PE | 17.87 | ||
| P/S | 2.89 | ||
| P/FCF | 29.69 | ||
| P/OCF | 21.94 | ||
| P/B | 1.01 | ||
| P/tB | 1.01 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.64
EY4.98%
EPS(NY)0.72
Fwd EY5.6%
FCF(TTM)0.43
FCFY3.37%
OCF(TTM)0.59
OCFY4.56%
SpS4.44
BVpS12.77
TBVpS12.77
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.56% | ||
| ROE | 4.98% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 14.31% | ||
| GM | N/A | ||
| FCFM | 9.75% |
ROA(3y)0.58%
ROA(5y)0.62%
ROE(3y)5.89%
ROE(5y)5.93%
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-2.48%
PM growth 5Y-10.49%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 3.47 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 154.16% | ||
| Cap/Sales | 3.45% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 68.12% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC12.94%
ROIC/WACCN/A
Cap/Depr(3y)129.54%
Cap/Depr(5y)109.4%
Cap/Sales(3y)3.82%
Cap/Sales(5y)3.35%
Profit Quality(3y)73.85%
Profit Quality(5y)104.7%
High Growth Momentum
Growth
EPS 1Y (TTM)-24.71%
EPS 3Y6.55%
EPS 5Y-7.71%
EPS Q2Q%-15.79%
EPS Next Y-9.56%
EPS Next 2Y-2.08%
EPS Next 3Y9.67%
EPS Next 5YN/A
Revenue 1Y (TTM)-4.47%
Revenue growth 3Y3.4%
Revenue growth 5Y-3.31%
Sales Q2Q%-1.46%
Revenue Next Year-6.84%
Revenue Next 2Y-3.04%
Revenue Next 3Y0.67%
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 1Y30.56%
FCF growth 3Y-13.9%
FCF growth 5Y-17.38%
OCF growth 1Y15.13%
OCF growth 3Y-11.98%
OCF growth 5Y-14.92%