BANKFINANCIAL CORP (BFIN) Stock Fundamental Analysis
USA - NASDAQ:BFIN - US06643P1049 - Common Stock
11.32 USD
+0.15 (+1.34%)
Taking everything into account, BFIN scores 3 out of 10 in our fundamental rating. BFIN was compared to 390 industry peers in the Banks industry. Both the profitability and financial health of BFIN have multiple concerns. 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.
In the past 5 years BFIN has always been profitable.
In the past 5 years BFIN always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.14%, BFIN is doing worse than 87.18% of the companies in the same industry.
Looking at the Return On Equity, with a value of 1.25%, BFIN is doing worse than 87.44% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.14% | ||
| ROE | 1.25% | ||
| 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 worse Profit Margin (3.70%) than 87.18% 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) | 3.7% | ||
| 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 2.49, which is a good value as it means it would take BFIN, 2.49 years of fcf income to pay off all of its debts.
BFIN has a Debt to FCF ratio (2.49) which is in line with its industry peers.
A Debt/Equity ratio of 0.12 indicates that BFIN is not too dependend on debt financing.
With a decent Debt to Equity ratio value of 0.12, BFIN is doing good in the industry, outperforming 64.87% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 2.49 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.39%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for BFIN have decreased strongly by -56.00% in the last year.
BFIN shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -15.14% yearly.
The Revenue has decreased by -3.88% in the past 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%N/A
Revenue 1Y (TTM)-3.88%
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.
BFIN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.75% yearly.
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
A Price/Earnings ratio of 34.30 indicates a quite expensive valuation of BFIN.
BFIN's Price/Earnings ratio is rather expensive when compared to the industry. BFIN is more expensive than 85.90% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 25.67. BFIN is valued slightly more expensive when compared to this.
Based on the Price/Forward Earnings ratio of 14.51, the valuation of BFIN can be described as correct.
Based on the Price/Forward Earnings ratio, BFIN is valued a bit more expensive than the industry average as 73.59% of the companies are valued more cheaply.
BFIN is valuated cheaply when we compare the Price/Forward Earnings ratio to 31.86, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 34.3 | ||
| Fwd PE | 14.51 |
4.2 Price Multiples
BFIN's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. BFIN is more expensive than 67.69% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 19.27 | ||
| 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)0.31
PEG (5Y)N/A
EPS Next 2Y53.77%
EPS Next 3YN/A
5. Dividend
5.1 Amount
BFIN has a Yearly Dividend Yield of 3.52%.
BFIN's Dividend Yield is a higher than the industry average which is at 3.42.
Compared to an average S&P500 Dividend Yield of 2.40, BFIN pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.52% |
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
255.51% 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.
DP255.51%
EPS Next 2Y53.77%
EPS Next 3YN/A
NASDAQ:BFIN (11/7/2025, 3:11:02 PM)
11.32
+0.15 (+1.34%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners66.42%
Inst Owner Change0.04%
Ins Owners3.6%
Ins Owner Change0%
Market Cap141.05M
Revenue(TTM)54.40M
Net Income(TTM)1.95M
Analysts45.71
Price Target11.99 (5.92%)
Short Float %2.08%
Short Ratio3.41
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.52% |
Yearly Dividend0.4
Dividend Growth(5Y)0.28%
DP255.51%
Div Incr Years0
Div Non Decr Years1
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-54.25%
Min EPS beat(2)-119.61%
Max EPS beat(2)11.11%
EPS beat(4)1
Avg EPS beat(4)-74.61%
Min EPS beat(4)-170.39%
Max EPS beat(4)11.11%
EPS beat(8)1
Avg EPS beat(8)-42.15%
EPS beat(12)1
Avg EPS beat(12)-35.49%
EPS beat(16)3
Avg EPS beat(16)-25.3%
Revenue beat(2)0
Avg Revenue beat(2)-5.43%
Min Revenue beat(2)-5.85%
Max Revenue beat(2)-5.02%
Revenue beat(4)0
Avg Revenue beat(4)-4.38%
Min Revenue beat(4)-5.85%
Max Revenue beat(4)-1.66%
Revenue beat(8)1
Avg Revenue beat(8)-2.86%
Revenue beat(12)3
Avg Revenue beat(12)-2.12%
Revenue beat(16)7
Avg Revenue beat(16)1.46%
PT rev (1m)0%
PT rev (3m)-12.96%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0.34%
Revenue NQ rev (3m)0.34%
Revenue NY rev (1m)0.55%
Revenue NY rev (3m)0.55%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 34.3 | ||
| Fwd PE | 14.51 | ||
| P/S | 2.67 | ||
| P/FCF | 19.27 | ||
| P/OCF | 15.62 | ||
| P/B | 0.9 | ||
| P/tB | 0.9 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.33
EY2.92%
EPS(NY)0.78
Fwd EY6.89%
FCF(TTM)0.59
FCFY5.19%
OCF(TTM)0.72
OCFY6.4%
SpS4.23
BVpS12.52
TBVpS12.52
PEG (NY)0.31
PEG (5Y)N/A
Graham Number9.64
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.14% | ||
| ROE | 1.25% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 3.7% | ||
| GM | N/A | ||
| FCFM | 13.88% |
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 | 2.49 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 1049.69% | ||
| Cap/Sales | 3.24% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 375.19% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACC15.39%
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)-56%
EPS 3Y-14.61%
EPS 5Y-15.14%
EPS Q2Q%N/A
EPS Next Y111.73%
EPS Next 2Y53.77%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-3.88%
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-39.5%
FCF growth 3Y0.24%
FCF growth 5Y-23.28%
OCF growth 1Y-34.56%
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 3 / 10.
Is the dividend of BANKFINANCIAL CORP sustainable?
The dividend rating of BANKFINANCIAL CORP (BFIN) is 5 / 10 and the dividend payout ratio is 255.51%.