BANKFINANCIAL CORP (BFIN) Fundamental Analysis & Valuation

NASDAQ:BFIN • US06643P1049

Current stock price

12 USD
-0.13 (-1.07%)
At close:
12 USD
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This BFIN fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. BFIN Profitability Analysis

1.1 Basic Checks

  • In the past year BFIN was profitable.
  • BFIN had a positive operating cash flow in the past year.
  • 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.
BFIN Yearly Net Income VS EBIT VS OCF VS FCFBFIN Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M

1.2 Ratios

  • BFIN has a worse Return On Assets (0.16%) than 87.60% of its industry peers.
  • BFIN has a Return On Equity of 1.47%. This is amonst the worse of the industry: BFIN underperforms 87.08% of its industry peers.
Industry RankSector 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
BFIN Yearly ROA, ROE, ROICBFIN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

  • The Profit Margin of BFIN (4.38%) is worse than 88.11% 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 RankSector 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
BFIN Yearly Profit, Operating, Gross MarginsBFIN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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2

2. BFIN Health Analysis

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.
BFIN Yearly Shares OutstandingBFIN Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M
BFIN Yearly Total Debt VS Total AssetsBFIN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

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.
  • The Debt to FCF ratio of BFIN (9.45) is worse than 78.29% of its industry peers.
  • A Debt/Equity ratio of 0.12 indicates that BFIN is not too dependend on debt financing.
  • BFIN's Debt to Equity ratio of 0.12 is fine compared to the rest of the industry. BFIN outperforms 63.31% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF 9.45
Altman-Z N/A
ROIC/WACCN/A
WACC15.04%
BFIN Yearly LT Debt VS Equity VS FCFBFIN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BFIN Yearly Current Assets VS Current LiabilitesBFIN Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. BFIN Growth Analysis

3.1 Past

  • BFIN shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -70.31%.
  • 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 -4.18% 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

  • The Earnings Per Share is expected to grow by 53.77% on average over the next years. This is a very strong growth
  • Based on estimates for the next years, BFIN will show a small growth in Revenue. The Revenue will grow by 1.75% on average per year.
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.
BFIN Yearly Revenue VS EstimatesBFIN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M
BFIN Yearly EPS VS EstimatesBFIN Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

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3

4. BFIN Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 63.16, which means the current valuation is very expensive for BFIN.
  • BFIN's Price/Earnings ratio is rather expensive when compared to the industry. BFIN is more expensive than 86.56% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.42. BFIN is valued rather expensively when compared to this.
  • 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 74.42% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 22.24. BFIN is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 63.16
Fwd PE 15.38
BFIN Price Earnings VS Forward Price EarningsBFIN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60

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 RankSector Rank
P/FCF 77.35
EV/EBITDA N/A
BFIN Per share dataBFIN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

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

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. BFIN Dividend Analysis

5.1 Amount

  • BFIN has a Yearly Dividend Yield of 3.33%.
  • BFIN's Dividend Yield is a higher than the industry average which is at 2.56.
  • Compared to an average S&P500 Dividend Yield of 1.81, BFIN pays a better dividend.
Industry RankSector 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.
  • BFIN has decreased its dividend recently.
Dividend Growth(5Y)0.28%
Div Incr Years0
Div Non Decr Years1
BFIN Yearly Dividends per shareBFIN Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

  • BFIN pays out 215.15% of its income as dividend. 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
BFIN Yearly Income VS Free CF VS DividendBFIN Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M
BFIN Dividend Payout.BFIN Dividend Payout, showing the Payout Ratio.BFIN Dividend Payout.PayoutRetained Earnings

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BFIN Fundamentals: All Metrics, Ratios and Statistics

BANKFINANCIAL CORP

NASDAQ:BFIN (12/31/2025, 8:00:01 PM)

After market: 12 0 (0%)

12

-0.13 (-1.07%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-30
Earnings (Next)02-02
Inst Owners67.04%
Inst Owner Change-0.05%
Ins Owners3.6%
Ins Owner Change0%
Market Cap149.52M
Revenue(TTM)52.92M
Net Income(TTM)2.32M
Analysts43.33
Price Target11.99 (-0.08%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.33%
Yearly Dividend0.4
Dividend Growth(5Y)0.28%
DP215.15%
Div Incr Years0
Div Non Decr Years1
Ex-DateN/A
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 RankSector Rank
PE 63.16
Fwd PE 15.38
P/S 2.83
P/FCF 77.35
P/OCF 43.52
P/B 0.95
P/tB 0.95
EV/EBITDA N/A
EPS(TTM)0.19
EY1.58%
EPS(NY)0.78
Fwd EY6.5%
FCF(TTM)0.16
FCFY1.29%
OCF(TTM)0.28
OCFY2.3%
SpS4.25
BVpS12.63
TBVpS12.63
PEG (NY)0.57
PEG (5Y)N/A
Graham Number7.34766 (-38.77%)
Profitability
Industry RankSector 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 RankSector 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
WACC15.04%
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 Fundamental Analysis 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.


What is the profitability of BFIN stock?

BANKFINANCIAL CORP (BFIN) has a profitability rating of 2 / 10.


Can you provide the PE and PB ratios for BFIN stock?

The Price/Earnings (PE) ratio for BANKFINANCIAL CORP (BFIN) is 63.16 and the Price/Book (PB) ratio is 0.95.


Can you provide the dividend sustainability for BFIN stock?

The dividend rating of BANKFINANCIAL CORP (BFIN) is 5 / 10 and the dividend payout ratio is 215.15%.