12 USD
-0.13 (-1.07%)
12 USD
0 (0%)
Overall BFIN gets a fundamental rating of 3 out of 10. We evaluated BFIN against 383 industry peers in the Banks industry. Both the profitability and financial health of BFIN have multiple concerns. 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.
- BFIN had positive earnings in each of the past 5 years.
- In the past 5 years BFIN always reported a positive cash flow from operatings.
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
- 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.
- 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.
- 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.
- BFIN has a better debt/assets ratio than last year.
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.
- BFIN has a Debt/Equity ratio of 0.12. This is a healthy value indicating a solid balance between debt and equity.
- Looking at the Debt to Equity ratio, with a value of 0.12, BFIN is in the better half of 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
WACC15.04%
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%.
- 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%.
- 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
- 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
- Based on the Price/Earnings ratio of 63.16, the valuation of BFIN can be described as expensive.
- Based on the Price/Earnings ratio, BFIN is valued more expensive than 86.56% of the companies in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 28.60, BFIN is valued quite expensively.
- The Price/Forward Earnings ratio is 15.38, which indicates a correct valuation of BFIN.
- Based on the Price/Forward Earnings ratio, BFIN is valued a bit more expensive than 74.42% of the companies in the same industry.
- BFIN's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 25.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 63.16 | ||
| Fwd PE | 15.38 |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of BFIN indicates a rather expensive valuation: BFIN more expensive than 82.17% of the companies listed 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.
- 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%.
- Compared to an average industry Dividend Yield of 2.60, 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 paid a dividend for at least 10 years, which is 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.
- BFIN's earnings are growing more than its dividend. This makes the dividend growth 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.