12 USD
-0.13 (-1.07%)
At close: Dec 31, 2025
12 USD
0 (0%)
After Hours: 12/31/2025, 8:00:01 PM
Overall BFIN gets a fundamental rating of 3 out of 10. We evaluated BFIN against 383 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
- BFIN had positive earnings in the past year.
- 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
- The Return On Assets of BFIN (0.16%) is worse than 87.60% of its industry peers.
- With a Return On Equity value of 1.47%, BFIN is not doing good in the industry: 87.08% of the companies in the same industry are doing better.
| 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
- With a Profit Margin value of 4.38%, BFIN is not doing good in the industry: 88.11% of the companies in the same industry are doing better.
- BFIN's Profit Margin has declined in the last couple of years.
- 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) | 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.
- BFIN has about the same amout of shares outstanding than it did 1 year ago.
- The number of shares outstanding for BFIN has been reduced compared to 5 years ago.
- The debt/assets ratio for BFIN has been reduced compared to a year ago.
2.2 Solvency
- BFIN has a debt to FCF ratio of 9.45. This is a negative value and a sign of low solvency as BFIN would need 9.45 years to pay back of all of its debts.
- BFIN has a Debt to FCF ratio of 9.45. This is in the lower half of the industry: BFIN underperforms 78.29% 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.
- BFIN has a better Debt to Equity ratio (0.12) than 63.31% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 9.45 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.04%
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 -70.31%.
- 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.
- The Revenue has been decreasing by -1.40% on average over the past years.
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
- Based on estimates for the next years, BFIN will show a very strong growth in Earnings Per Share. The EPS will grow by 53.77% on average per year.
- 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
- The Price/Earnings ratio is 63.16, which means the current valuation is very expensive for BFIN.
- 86.56% of the companies in the same industry are cheaper than BFIN, based on the Price/Earnings ratio.
- BFIN is valuated expensively when we compare the Price/Earnings ratio to 28.32, which is the current average of the S&P500 Index.
- BFIN is valuated correctly with a Price/Forward Earnings ratio of 15.38.
- Based on the Price/Forward Earnings ratio, BFIN is valued a bit more expensive than the industry average as 74.42% of the companies are valued more cheaply.
- BFIN is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 25.57, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 63.16 | ||
| Fwd PE | 15.38 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, BFIN is valued expensively inside the industry as 82.17% of the companies are valued cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 77.35 | ||
| EV/EBITDA | N/A |
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)0.57
PEG (5Y)N/A
EPS Next 2Y53.77%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- BFIN has a Yearly Dividend Yield of 3.33%. Purely for dividend investing, there may be better candidates out there.
- BFIN's Dividend Yield is a higher than the industry average which is at 2.67.
- Compared to an average S&P500 Dividend Yield of 1.83, BFIN pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.33% |
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
BANKFINANCIAL CORP / BFIN FAQ
Can you provide the ChartMill fundamental rating for BANKFINANCIAL CORP?
ChartMill assigns a fundamental rating of 3 / 10 to BFIN.
What is the valuation status of BANKFINANCIAL CORP (BFIN) stock?
ChartMill assigns a valuation rating of 3 / 10 to BANKFINANCIAL CORP (BFIN). This can be considered as Overvalued.
Can you provide the profitability details for BANKFINANCIAL CORP?
BANKFINANCIAL CORP (BFIN) has a profitability rating of 2 / 10.
Can you provide the financial health for BFIN stock?
The financial health rating of BANKFINANCIAL CORP (BFIN) is 2 / 10.
What is the expected EPS growth for BANKFINANCIAL CORP (BFIN) stock?
The Earnings per Share (EPS) of BANKFINANCIAL CORP (BFIN) is expected to grow by 111.73% in the next year.