BANKFINANCIAL CORP (BFIN) Stock Fundamental Analysis
USA - NASDAQ:BFIN - US06643P1049 - Common Stock
12.115 USD
-0.15 (-1.26%)
12.115 USD
0 (0%)
Taking everything into account, BFIN scores 3 out of 10 in our fundamental rating. BFIN was compared to 392 industry peers in the Banks industry. BFIN may be in some trouble as it scores bad on both profitability and health. 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.
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's Return On Assets of 0.14% is on the low side compared to the rest of the industry. BFIN is outperformed by 86.73% of its industry peers.
With a Return On Equity value of 1.25%, BFIN is not doing good in the industry: 86.99% 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
BFIN has a Profit Margin of 3.70%. This is amonst the worse of the industry: BFIN underperforms 86.99% 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) | 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
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.
BFIN has less shares outstanding than it did 5 years ago.
BFIN has a better debt/assets ratio than last year.
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 in line with its industry peers.
A Debt/Equity ratio of 0.12 indicates that BFIN is not too dependend on debt financing.
With a decent Debt to Equity ratio value of 0.12, BFIN is doing good in the industry, outperforming 64.80% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 2.49 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.9%
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 -76.12% 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 -6.42% in the last year.
The Revenue has been decreasing by -1.40% on average over the past years.
EPS 1Y (TTM)-76.12%
EPS 3Y-14.61%
EPS 5Y-15.14%
EPS Q2Q%-117.65%
Revenue 1Y (TTM)-6.42%
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
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 75.72, which means the current valuation is very expensive for BFIN.
Based on the Price/Earnings ratio, BFIN is valued expensively inside the industry as 86.99% of the companies are valued cheaper.
Compared to an average S&P500 Price/Earnings ratio of 27.27, BFIN is valued quite expensively.
BFIN is valuated correctly with a Price/Forward Earnings ratio of 15.53.
BFIN's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. BFIN is more expensive than 74.74% of the companies in the same industry.
BFIN is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.77, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 75.72 | ||
| Fwd PE | 15.53 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, BFIN is valued a bit more expensive than 69.64% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 20.62 | ||
| 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)0.68
PEG (5Y)N/A
EPS Next 2Y53.77%
EPS Next 3YN/A
5. Dividend
5.1 Amount
BFIN has a Yearly Dividend Yield of 3.23%.
Compared to an average industry Dividend Yield of 3.73, 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 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.23% |
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
255.51% 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.
DP255.51%
EPS Next 2Y53.77%
EPS Next 3YN/A
12.115
-0.15 (-1.26%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners64.39%
Inst Owner Change4.87%
Ins Owners3.6%
Ins Owner Change0%
Market Cap150.95M
Analysts45.71
Price Target11.99 (-1.03%)
Short Float %2.12%
Short Ratio2.62
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.23% |
Yearly Dividend0.4
Dividend Growth(5Y)0.28%
DP255.51%
Div Incr Years0
Div Non Decr Years1
Ex-Date
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)-12.96%
PT rev (3m)-12.96%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-12.2%
EPS NY rev (1m)0%
EPS NY rev (3m)-9.27%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-3.11%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.99%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 75.72 | ||
| Fwd PE | 15.53 | ||
| P/S | 2.86 | ||
| P/FCF | 20.62 | ||
| P/OCF | 16.71 | ||
| P/B | 0.97 | ||
| P/tB | 0.97 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.16
EY1.32%
EPS(NY)0.78
Fwd EY6.44%
FCF(TTM)0.59
FCFY4.85%
OCF(TTM)0.72
OCFY5.98%
SpS4.23
BVpS12.52
TBVpS12.52
PEG (NY)0.68
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 | 13.88% |
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
WACC14.9%
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)-6.42%
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%