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 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.
- In the past 5 years BFIN has always been profitable.
- Each year in the past 5 years BFIN had a positive operating cash flow.
1.2 Ratios
- With a Return On Assets value of 0.16%, BFIN is not doing good in the industry: 87.60% of the companies in the same industry are doing better.
- BFIN's Return On Equity of 1.47% is on the low side compared to the rest of the industry. BFIN is outperformed by 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
- 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.
- Compared to 1 year ago, BFIN has about the same amount of shares outstanding.
- BFIN has less shares outstanding than it did 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's Debt to FCF ratio of 9.45 is on the low side compared to the rest of the industry. BFIN is outperformed by 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 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
- The earnings per share for BFIN have decreased strongly by -70.31% in the last year.
- 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.
- The Revenue has decreased by -4.18% in the past 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
- The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
- 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
- With a Price/Earnings ratio of 63.16, BFIN can be considered very expensive at the moment.
- 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.
- Compared to an average S&P500 Price/Earnings ratio of 28.39, BFIN is valued quite expensively.
- BFIN is valuated correctly with a Price/Forward Earnings ratio of 15.38.
- BFIN's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. BFIN is more expensive than 74.42% of the companies in the same industry.
- When comparing the Price/Forward Earnings ratio of BFIN to the average of the S&P500 Index (25.72), we can say BFIN is valued slightly cheaper.
| 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 more expensive than 82.17% of the companies in the same industry.
| 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.
- 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.
- BFIN's Dividend Yield is a higher than the industry average which is at 2.65.
- 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.
- BFIN has decreased its dividend recently.
Dividend Growth(5Y)0.28%
Div Incr Years0
Div Non Decr Years1
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
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.