BANKFINANCIAL CORP(NASDAQ:BFIN) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, BFIN scores 3 out of 10 in our fundamental rating. BFIN was compared to 398 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.

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1. Profitability

1.1 Basic Checks

BFIN had positive earnings in the past year.

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

In the past 5 years BFIN has always been profitable.

Of the past 5 years BFIN 4 years had a positive operating cash flow.

1.2 Ratios

BFIN has a Return On Assets of 0.56%. This is in the lower half of the industry: BFIN underperforms 70.10% of its industry peers.

BFIN has a worse Return On Equity (4.98%) than 75.63% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.56%
ROE	4.98%
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's Profit Margin of 14.34% is on the low side compared to the rest of the industry. BFIN is outperformed by 75.88% 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)	14.34%
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 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.

The Debt to FCF ratio of BFIN (3.47) is worse than 60.05% of its industry peers.

A Debt/Equity ratio of 0.12 indicates that BFIN is not too dependend on debt financing.

Looking at the Debt to Equity ratio, with a value of 0.12, BFIN is in the better half of the industry, outperforming 69.60% 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

WACC13.22%

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

The earnings per share for BFIN have decreased strongly by -56.00% in the last year.

Measured over the past years, BFIN shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -15.14% on average per year.

Looking at the last year, BFIN shows a decrease in Revenue. The Revenue has decreased by -4.02% 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)-56%

EPS 3Y-14.61%

EPS 5Y-15.14%

EPS Q2Q%-182.35%

Revenue 1Y (TTM)-4.02%

Revenue growth 3Y3.3%

Revenue growth 5Y-1.4%

Sales Q2Q%-6.07%

3.2 Future

BFIN is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 59.20% yearly.

The Revenue is expected to grow by 4.65% on average over the next years.

EPS Next Y119.45%

EPS Next 2Y59.2%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year0.91%

Revenue Next 2Y4.65%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

BFIN is valuated quite expensively with a Price/Earnings ratio of 36.58.

BFIN's Price/Earnings ratio is rather expensive when compared to the industry. BFIN is more expensive than 85.18% of the companies in the same industry.

The average S&P500 Price/Earnings ratio is at 28.33. BFIN is valued slightly more expensive when compared to this.

The Price/Forward Earnings ratio is 16.67, 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 74.12% of the companies listed in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 21.37. BFIN is valued slightly cheaper when compared to this.

		Industry Rank	Sector Rank
PE	36.58
Fwd PE	16.67

4.2 Price Multiples

79.65% 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	27.89
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 59.20% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.31

PEG (5Y)N/A

EPS Next 2Y59.2%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

BFIN has a Yearly Dividend Yield of 3.31%. Purely for dividend investing, there may be better candidates out there.

BFIN's Dividend Yield is comparable with the industry average which is at 3.66.

BFIN's Dividend Yield is a higher than the S&P500 average which is at 2.51.

		Industry Rank	Sector Rank
Dividend Yield	3.31%

5.2 History

The dividend of BFIN has a limited annual growth rate of 1.44%.

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)1.44%

Div Incr Years0

Div Non Decr Years1

5.3 Sustainability

63.10% 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.

DP63.1%

EPS Next 2Y59.2%

EPS Next 3YN/A

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BANKFINANCIAL CORP

NASDAQ:BFIN (4/22/2025, 8:00:00 PM)

After market: 12.07 0 (0%)

12.07

+0.31 (+2.64%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)02-03 2025-02-03/amc

Earnings (Next)05-07 2025-05-07/amc

Inst Owners62.01%

Inst Owner Change0%

Ins Owners4.45%

Ins Owner Change0%

Market Cap150.39M

Analysts82.5

Price Target13.77 (14.08%)

Short Float %0.25%

Short Ratio1.73

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.31%

Yearly Dividend0.4

Dividend Growth(5Y)1.44%

DP63.1%

Div Incr Years0

Div Non Decr Years1

Ex-Date02-14 2025-02-14 (0.1)

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)0.71%

EPS NY rev (3m)2.9%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-1.23%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0%

Valuation

		Industry Rank	Sector Rank
PE	36.58
Fwd PE	16.67
P/S	2.72
P/FCF	27.89
P/OCF	20.6
P/B	0.95
P/tB	0.95
EV/EBITDA	N/A

EPS(TTM)0.33

EY2.73%

EPS(NY)0.72

Fwd EY6%

FCF(TTM)0.43

FCFY3.59%

OCF(TTM)0.59

OCFY4.85%

SpS4.43

BVpS12.77

TBVpS12.77

PEG (NY)0.31

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)	14.34%
GM	N/A
FCFM	9.77%

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-Score6

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-Score6

WACC13.22%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-56%

EPS 3Y-14.61%

EPS 5Y-15.14%

EPS Q2Q%-182.35%

EPS Next Y119.45%

EPS Next 2Y59.2%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-4.02%

Revenue growth 3Y3.3%

Revenue growth 5Y-1.4%

Sales Q2Q%-6.07%

Revenue Next Year0.91%

Revenue Next 2Y4.65%

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-55.77%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-47.94%

OCF growth 3YN/A

OCF growth 5YN/A

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

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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