BANKFINANCIAL CORP (BFIN) Fundamental Analysis & Valuation

NASDAQ:BFIN • US06643P1049

Current stock price

12 USD
-0.13 (-1.07%)
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12 USD
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This BFIN fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. BFIN Profitability Analysis

1.1 Basic Checks

  • In the past year BFIN was profitable.
  • 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.
BFIN Yearly Net Income VS EBIT VS OCF VS FCFBFIN Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M

1.2 Ratios

  • BFIN has a Return On Assets of 0.16%. This is amonst the worse of the industry: BFIN underperforms 87.60% of its industry peers.
  • 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 RankSector 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
BFIN Yearly ROA, ROE, ROICBFIN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

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.
  • The Operating Margin and Gross Margin are not available for BFIN so they could not be analyzed.
Industry RankSector 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
BFIN Yearly Profit, Operating, Gross MarginsBFIN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. BFIN Health Analysis

2.1 Basic Checks

  • BFIN does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for BFIN remains at a similar level compared to 1 year ago.
  • Compared to 5 years ago, BFIN has less shares outstanding
  • Compared to 1 year ago, BFIN has an improved debt to assets ratio.
BFIN Yearly Shares OutstandingBFIN Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M
BFIN Yearly Total Debt VS Total AssetsBFIN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

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.
  • 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 RankSector Rank
Debt/Equity 0.12
Debt/FCF 9.45
Altman-Z N/A
ROIC/WACCN/A
WACC15.04%
BFIN Yearly LT Debt VS Equity VS FCFBFIN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BFIN Yearly Current Assets VS Current LiabilitesBFIN Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. BFIN Growth Analysis

3.1 Past

  • The earnings per share for BFIN have decreased strongly by -70.31% in the last year.
  • The earnings per share for BFIN have been decreasing by -15.14% on average. This is quite bad
  • Looking at the last year, BFIN shows a decrease in Revenue. The Revenue has decreased by -4.18% in the last 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

  • 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.
BFIN Yearly Revenue VS EstimatesBFIN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M
BFIN Yearly EPS VS EstimatesBFIN Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

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3

4. BFIN Valuation Analysis

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.
  • Compared to an average S&P500 Price/Earnings ratio of 25.61, BFIN is valued quite expensively.
  • With a Price/Forward Earnings ratio of 15.38, BFIN is valued correctly.
  • Based on the Price/Forward Earnings ratio, BFIN is valued a bit more expensive than the industry average as 74.42% of the companies are valued more cheaply.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.79, BFIN is valued a bit cheaper.
Industry RankSector Rank
PE 63.16
Fwd PE 15.38
BFIN Price Earnings VS Forward Price EarningsBFIN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60

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 RankSector Rank
P/FCF 77.35
EV/EBITDA N/A
BFIN Per share dataBFIN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

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.
  • 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

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. BFIN Dividend Analysis

5.1 Amount

  • BFIN has a Yearly Dividend Yield of 3.33%. Purely for dividend investing, there may be better candidates out there.
  • BFIN's Dividend Yield is a higher than the industry average which is at 2.78.
  • BFIN's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector 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
BFIN Yearly Dividends per shareBFIN Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.1 0.2 0.3 0.4 0.5

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
BFIN Yearly Income VS Free CF VS DividendBFIN Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M
BFIN Dividend Payout.BFIN Dividend Payout, showing the Payout Ratio.BFIN Dividend Payout.PayoutRetained Earnings

More info and screens

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BFIN Fundamentals: All Metrics, Ratios and Statistics

BANKFINANCIAL CORP

NASDAQ:BFIN (12/31/2025, 8:00:01 PM)

After market: 12 0 (0%)

12

-0.13 (-1.07%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-30
Earnings (Next)02-02
Inst Owners67.04%
Inst Owner Change-2.19%
Ins Owners3.6%
Ins Owner Change0%
Market Cap149.52M
Revenue(TTM)52.92M
Net Income(TTM)2.32M
Analysts43.33
Price Target11.99 (-0.08%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector 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 RankSector 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 RankSector 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 RankSector 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
WACC15.04%
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 Fundamental Analysis 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.