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. 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
- Looking at the Return On Assets, with a value of 0.16%, BFIN is doing worse than 87.60% of the companies in the same industry.
- With a Return On Equity value of 1.47%, BFIN is not doing good in the industry: 87.08% of the companies in the same industry are doing better.
| 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.
- 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.
- Looking at the Debt to FCF ratio, with a value of 9.45, BFIN is doing worse than 78.29% of the companies in the same industry.
- BFIN has a Debt/Equity ratio of 0.12. This is a healthy value indicating a solid balance between debt and equity.
- BFIN has a better Debt to Equity ratio (0.12) 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.
- The Revenue has decreased by -4.18% 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)-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.
- Based on estimates for the next years, BFIN will show a small growth in Revenue. The Revenue will grow by 1.75% on average per year.
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.
- 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
- 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
- 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 2.60.
- 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
- 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.