12.94 USD
+0.2 (+1.57%)
12.94 USD
0 (0%)
We assign a fundamental rating of 3 out of 10 to BFIN. BFIN was compared to 385 industry peers in the Banks industry. BFIN has a bad profitability rating. Also its financial health evaluation is rather negative. BFIN has a expensive valuation and it also scores bad on growth.
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.
BFIN had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of BFIN (0.16%) is worse than 88.31% of its industry peers.
Looking at the Return On Equity, with a value of 1.47%, BFIN is doing worse than 87.79% 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
BFIN's Profit Margin of 4.38% is on the low side compared to the rest of the industry. BFIN is outperformed by 88.83% 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
BFIN has a better debt/assets ratio than last year.
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.
Looking at the Debt to FCF ratio, with a value of 9.45, BFIN is doing worse than 78.44% of the companies in the same industry.
A Debt/Equity ratio of 0.12 indicates that BFIN is not too dependend on debt financing.
BFIN has a Debt to Equity ratio of 0.12. This is in the better half of the industry: BFIN outperforms 62.86% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 9.45 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.69%
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.
Measured over the past years, BFIN shows a decrease in Revenue. The Revenue has been decreasing by -1.40% on average per year.
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
BFIN is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 53.77% yearly.
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
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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
Based on the Price/Earnings ratio of 68.11, the valuation of BFIN can be described as expensive.
87.01% of the companies in the same industry are cheaper than BFIN, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 26.55, BFIN is valued quite expensively.
Based on the Price/Forward Earnings ratio of 16.58, the valuation of BFIN can be described as correct.
Based on the Price/Forward Earnings ratio, BFIN is valued a bit more expensive than 76.10% of the companies in the same industry.
BFIN's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.78.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 68.11 | ||
| Fwd PE | 16.58 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, BFIN is valued expensively inside the industry as 82.08% of the companies are valued cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 83.41 | ||
| 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.
A more expensive valuation may be justified as BFIN's earnings are expected to grow with 53.77% in the coming years.
PEG (NY)0.61
PEG (5Y)N/A
EPS Next 2Y53.77%
EPS Next 3YN/A
5. Dividend
5.1 Amount
BFIN has a Yearly Dividend Yield of 3.14%. 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 2.70.
Compared to an average S&P500 Dividend Yield of 1.87, BFIN pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.14% |
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
215.15% 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.
DP215.15%
EPS Next 2Y53.77%
EPS Next 3YN/A
12.94
+0.2 (+1.57%)
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 Cap161.23M
Revenue(TTM)52.92M
Net Income(TTM)2.32M
Analysts45.71
Price Target11.99 (-7.34%)
Short Float %2.45%
Short Ratio7.67
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.14% |
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 | 68.11 | ||
| Fwd PE | 16.58 | ||
| P/S | 3.05 | ||
| P/FCF | 83.41 | ||
| P/OCF | 46.92 | ||
| P/B | 1.02 | ||
| P/tB | 1.02 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.19
EY1.47%
EPS(NY)0.78
Fwd EY6.03%
FCF(TTM)0.16
FCFY1.2%
OCF(TTM)0.28
OCFY2.13%
SpS4.25
BVpS12.63
TBVpS12.63
PEG (NY)0.61
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
WACC14.69%
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%.