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Updated 8m ago
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BankFinancial CorporationNasdaqGS:BFIN Stock Report

Market Cap US$149.5m
Updated 8m ago
Share Price
n/a
1Y-2.4%
7D-2.6%
1D-1.1%
Portfolio Value
​
View

BankFinancial Corporation

NasdaqGS:BFIN Stock Report

Market Cap: US$149.5m

  • Company Overview
  • Valuation
  • Future Growth
  • Past Performance
  • Financial Health
  • Dividend
  • Management
  • Ownership
  • Other Information
  • Stock Community

This company has been acquired

The company may no longer be operating, as it has been acquired. Find out why through their latest events.

BankFinancial (BFIN) Stock Overview

Operates as the bank holding company for BankFinancial, National Association that provides banking, financial planning, and fiduciary services to individuals, families, and businesses. More details

BFIN fundamental analysis
Snowflake Score
Valuation0/6
Future Growth0/6
Past Performance1/6
Financial Health5/6
Dividends3/6

Risk Analysis

Earnings have declined by 11.7% per year over past 5 years

Dividend of 3.33% is either not well covered by earnings currently or not forecast to be covered

Profit margins (5%) are lower than last year (14.6%)


BFIN Community Fair Values

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US$
Current Price
US$12.0042.7% overvalued intrinsic discount
%/yr
Decrease
Increase
PastFuture062m2016201920222025202620282031Revenue US$45.6mEarnings US$2.3m
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BankFinancial Corporation Competitors

Finward Bancorp

Symbol: NasdaqCM:FNWD
Market cap: US$189.4m

Mountain Commerce Bancorp

Symbol: OTCPK:MCBI
Market cap: US$145.3m

Embassy Bancorp

Symbol: OTCPK:EMYB
Market cap: US$163.0m

North Dallas Bank & Trust

Symbol: OTCPK:NODB
Market cap: US$169.2m

Price History & Performance

Summary of share price highs, lows and changes for BankFinancial
Historical stock prices
Current Share PriceUS$12.00
52 Week HighUS$13.58
52 Week LowUS$10.69
Beta0.36
1 Month Change-0.66%
3 Month Change-2.99%
1 Year Change-2.36%
3 Year Change15.16%
5 Year Change30.58%
Change since IPO-11.76%

Recent News & Updates

Recent updates

Seeking Alpha • Oct 20

BankFinancial: I'm On The Sidelines

Summary BankFinancial (BFIN) reported a Q2 net loss due to a one-time loan loss provision, but underlying profitability remains steady. BFIN's loan book is heavily weighted toward residential real estate, with commercial loans and leases causing most credit quality concerns. Despite a 10% discount to tangible book value, I rate BFIN as a 'hold' pending further clarity on loan quality and past due trends. The dividend remains unchanged, and I will monitor upcoming quarters for improvements before considering a more bullish stance. Read the full article on Seeking Alpha
Analysis Article • Aug 08

BankFinancial's (NASDAQ:BFIN) Dividend Will Be $0.10

The board of BankFinancial Corporation ( NASDAQ:BFIN ) has announced that it will pay a dividend of $0.10 per share on...
Analysis Article • May 01

BankFinancial's (NASDAQ:BFIN) Dividend Will Be $0.10

BankFinancial Corporation ( NASDAQ:BFIN ) will pay a dividend of $0.10 on the 23rd of May. This payment means that the...
Analysis Article • Feb 06

BankFinancial (NASDAQ:BFIN) Has Announced A Dividend Of $0.10

BankFinancial Corporation's ( NASDAQ:BFIN ) investors are due to receive a payment of $0.10 per share on 28th of...
Analysis Article • Nov 07

BankFinancial's (NASDAQ:BFIN) Dividend Will Be $0.10

The board of BankFinancial Corporation ( NASDAQ:BFIN ) has announced that it will pay a dividend on the 29th of...
Analysis Article • Aug 01

BankFinancial (NASDAQ:BFIN) Will Pay A Dividend Of $0.10

BankFinancial Corporation ( NASDAQ:BFIN ) will pay a dividend of $0.10 on the 23rd of August. Based on this payment...
Analysis Article • Feb 01

BankFinancial (NASDAQ:BFIN) Has Affirmed Its Dividend Of $0.10

BankFinancial Corporation's ( NASDAQ:BFIN ) investors are due to receive a payment of $0.10 per share on 23rd of...
Analysis Article • Nov 02

BankFinancial (NASDAQ:BFIN) Has Announced A Dividend Of $0.10

BankFinancial Corporation's ( NASDAQ:BFIN ) investors are due to receive a payment of $0.10 per share on 24th of...
Analysis Article • Aug 03

BankFinancial (NASDAQ:BFIN) Is Paying Out A Dividend Of $0.10

BankFinancial Corporation ( NASDAQ:BFIN ) has announced that it will pay a dividend of $0.10 per share on the 25th of...
Analysis Article • May 04

BankFinancial (NASDAQ:BFIN) Is Due To Pay A Dividend Of $0.10

The board of BankFinancial Corporation ( NASDAQ:BFIN ) has announced that it will pay a dividend of $0.10 per share on...
Analysis Article • Nov 03

BankFinancial (NASDAQ:BFIN) Has Announced A Dividend Of $0.10

BankFinancial Corporation ( NASDAQ:BFIN ) has announced that it will pay a dividend of $0.10 per share on the 25th of...

Shareholder Returns

BFINUS BanksUS Market
7D-2.6%-0.3%-0.2%
1Y-2.4%18.7%14.8%

Return vs Industry: BFIN underperformed the US Banks industry which returned 25.7% over the past year.

Return vs Market: BFIN underperformed the US Market which returned 16% over the past year.

Price Volatility

Is BFIN's price volatile compared to industry and market?
BFIN volatility
BFIN Average Weekly Movement4.0%
Banks Industry Average Movement3.1%
Market Average Movement6.9%
10% most volatile stocks in US Market15.5%
10% least volatile stocks in US Market2.9%

Stable Share Price: BFIN has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: BFIN's weekly volatility (4%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
1924184F. Gasiorwww.bankfinancial.com

BankFinancial Corporation operates as the bank holding company for BankFinancial, National Association that provides banking, financial planning, and fiduciary services to individuals, families, and businesses. The company accepts various deposit products, such as savings, NOW, checking, money market, IRAs, and other retirement accounts, as well as certificates of deposit. Its loan portfolio consists of multi-family residential real estate loans, non-residential real estate loans, commercial loans and commercial equipment leases, consumer loans, and one-to-four family residential real estate loans.

BankFinancial Corporation Fundamentals Summary

How do BankFinancial's earnings and revenue compare to its market cap?
BFIN fundamental statistics
Market capUS$149.53m
Earnings (TTM)US$2.32m
Revenue (TTM)US$46.50m
64.5x
P/E Ratio
1.0x
P/B Ratio

Is BFIN overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
BFIN income statement (TTM)
RevenueUS$46.50m
Cost of RevenueUS$0
Gross ProfitUS$46.50m
Other ExpensesUS$44.18m
EarningsUS$2.32m

Last Reported Earnings

Sep 30, 2025

Next Earnings Date

n/a

Earnings per share (EPS)0.19
Gross Margin100.00%
Net Profit Margin4.98%
Debt/Equity Ratio18.0%

How did BFIN perform over the long term?

See historical performance and comparison

Dividends

3.3%
Current Dividend Yield
215%
Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/01/02 19:08
End of Day Share Price 2025/12/31 00:00
Earnings2025/09/30
Annual Earnings2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
  • SEC Form 10-K
  • SEC Form 10-Q
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
  • Analyst Research Reports
  • Blue Matrix
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
  • ICE Market Data
  • SEC Form S-1
Ownership10 years
  • Top shareholders
  • Insider trading
  • SEC Form 4
  • SEC Form 13D
Management10 years
  • Leadership team
  • Board of directors
  • SEC Form 10-K
  • SEC Form DEF 14A
Key Developments10 years
  • Company announcements
  • SEC Form 8-K

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

BankFinancial Corporation is covered by 2 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Brian MartinBrean Capital Historical (Janney Montgomery)
null nullD.A. Davidson & Co.

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