12 USD
-0.13 (-1.07%)
12 USD
0 (0%)
We assign a fundamental rating of 3 out of 10 to BFIN. BFIN was compared to 383 industry peers in the Banks industry. BFIN may be in some trouble as it scores bad on both profitability and health. BFIN does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
- In the past year BFIN was profitable.
- BFIN had a positive operating cash flow in the past year.
- BFIN had positive earnings in each of the past 5 years.
- BFIN had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- BFIN's Return On Assets of 0.16% is on the low side compared to the rest of the industry. BFIN is outperformed by 87.60% of its industry peers.
- The Return On Equity of BFIN (1.47%) is worse than 87.08% of its industry peers.
| 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 has a Profit Margin of 4.38%. This is amonst the worse of the industry: BFIN underperforms 88.11% 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) | 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.
- Compared to 1 year ago, BFIN has an improved debt to assets ratio.
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.
- BFIN has a worse Debt to FCF ratio (9.45) than 78.29% of its industry peers.
- A Debt/Equity ratio of 0.12 indicates that BFIN is not too dependend on debt financing.
- The Debt to Equity ratio of BFIN (0.12) is better 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.
- BFIN shows a decrease in Revenue. In the last year, the revenue decreased by -4.18%.
- BFIN shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -1.40% yearly.
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
- 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
- A Price/Earnings ratio of 63.16 indicates a quite expensive valuation of BFIN.
- Compared to the rest of the industry, the Price/Earnings ratio of BFIN indicates a rather expensive valuation: BFIN more expensive than 86.56% of the companies listed in the same industry.
- BFIN is valuated expensively when we compare the Price/Earnings ratio to 27.21, which is the current average of the S&P500 Index.
- A Price/Forward Earnings ratio of 15.38 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 74.42% of the companies listed in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 24.26. BFIN is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 63.16 | ||
| Fwd PE | 15.38 |
4.2 Price Multiples
- 82.17% 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 | 77.35 | ||
| 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)0.57
PEG (5Y)N/A
EPS Next 2Y53.77%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 3.33%, BFIN has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 2.84, BFIN pays a bit more dividend than its industry peers.
- BFIN's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
| 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.