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 387 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.
In the past year BFIN had a positive cash flow from operations.
Each year in the past 5 years BFIN has been profitable.
Each year in the past 5 years BFIN had a positive operating cash flow.
1.2 Ratios
BFIN has a worse Return On Assets (0.16%) than 87.60% of its industry peers.
Looking at the Return On Equity, with a value of 1.47%, BFIN is doing worse than 87.08% 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
The Profit Margin of BFIN (4.38%) is worse than 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.
Compared to 1 year ago, BFIN has about the same amount of shares outstanding.
Compared to 5 years ago, BFIN has less shares outstanding
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 has a worse Debt to FCF ratio (9.45) than 78.29% of its industry peers.
BFIN has a Debt/Equity ratio of 0.12. This is a healthy value indicating a solid balance between debt and equity.
With a decent Debt to Equity ratio value of 0.12, BFIN is doing good in the industry, outperforming 63.31% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 9.45 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.05%
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.
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
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
The Price/Earnings ratio is 63.16, which means the current valuation is very expensive for BFIN.
Based on the Price/Earnings ratio, BFIN is valued expensively inside the industry as 86.56% of the companies are valued cheaper.
The average S&P500 Price/Earnings ratio is at 26.60. BFIN is valued rather expensively when compared to this.
Based on the Price/Forward Earnings ratio of 15.38, the valuation of BFIN can be described as correct.
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 75.45% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of BFIN to the average of the S&P500 Index (23.23), we can say BFIN is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 63.16 | ||
| Fwd PE | 15.38 |
4.2 Price Multiples
BFIN's Price/Free Cash Flow ratio is rather expensive when compared to the industry. BFIN is 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
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)0.57
PEG (5Y)N/A
EPS Next 2Y53.77%
EPS Next 3YN/A
5. Dividend
5.1 Amount
BFIN has a Yearly Dividend Yield of 3.33%.
BFIN's Dividend Yield is a higher than the industry average which is at 2.78.
Compared to an average S&P500 Dividend Yield of 1.94, BFIN pays a better dividend.
| 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 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.
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
12
-0.13 (-1.07%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners67.04%
Inst Owner Change0%
Ins Owners3.6%
Ins Owner Change0%
Market Cap149.52M
Revenue(TTM)52.92M
Net Income(TTM)2.32M
Analysts45.71
Price Target11.99 (-0.08%)
Short Float %2.83%
Short Ratio8.67
Dividend
| Industry Rank | Sector 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 Rank | Sector 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 Number7.35
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
WACC15.05%
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.
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.