Stock Analysis Report

Executive Summary

BankFinancial Corporation operates as the bank holding company for BankFinancial, National Association that provides commercial, family, and personal banking products and services in Illinois.

Snowflake Analysis

Flawless balance sheet second-rate dividend payer.

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Share Price & News

How has BankFinancial's share price performed over time and what events caused price changes?

Latest Share Price and Events

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

Market Performance

7 Day Return




US Banks


US Market

1 Year Return




US Banks


US Market

Return vs Industry: BFIN underperformed the US Banks industry which returned 11.1% over the past year.

Return vs Market: BFIN underperformed the US Market which returned 19.3% over the past year.

Shareholder returns

7 Day-0.7%-0.3%0.06%
30 Day-3.3%-0.5%1.7%
90 Day-7.2%0.6%9.0%
1 Year-18.8%-21.2%14.4%11.1%21.8%19.3%
3 Year-12.2%-18.5%24.7%15.7%49.5%39.9%
5 Year14.1%2.3%74.9%55.1%73.1%54.1%

Price Volatility Vs. Market

How volatile is BankFinancial's share price compared to the market and industry in the last 5 years?

Simply Wall St News


Is BankFinancial undervalued compared to its fair value and its price relative to the market?


Price to Earnings (PE) ratio

Share Price vs. Fair Value

Below Fair Value: BFIN ($12.2) is trading above our estimate of fair value ($10.92)

Significantly Below Fair Value: BFIN is trading above our estimate of fair value.

Price To Earnings Ratio

PE vs Industry: BFIN is poor value based on its PE Ratio (16.3x) compared to the Banks industry average (12.6x).

PE vs Market: BFIN is good value based on its PE Ratio (16.3x) compared to the US market (18.5x).

Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate BFIN's PEG Ratio to determine if it is good value.

Price to Book Ratio

PB vs Industry: BFIN is good value based on its PB Ratio (1.1x) compared to the US Banks industry average (1.2x).

Next Steps

Future Growth

How is BankFinancial forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?


Forecasted Banks industry annual growth in earnings

Earnings and Revenue Growth Forecasts

Analyst Future Growth Forecasts

Earnings vs Savings Rate: Insufficient data to determine if BFIN's forecast earnings growth is above the savings rate (1.7%).

Earnings vs Market: Insufficient data to determine if BFIN's earnings are forecast to grow faster than the US market

High Growth Earnings: Insufficient data to determine if earnings are expected to grow significantly over the next 3 years.

Revenue vs Market: Insufficient data to determine if BFIN's revenue is forecast to grow faster than the US market.

High Growth Revenue: Insufficient data to determine if BFIN's revenue is forecast to grow faster than 20% per year.

Earnings per Share Growth Forecasts

Future Return on Equity

Future ROE: Insufficient data to determine if BFIN's Return on Equity is forecast to be high in 3 years time

Next Steps

Past Performance

How has BankFinancial performed over the past 5 years?


Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: BFIN has high quality earnings.

Growing Profit Margin: BFIN's current net profit margins (21.4%) are lower than last year (29.6%).

Past Earnings Growth Analysis

Earnings Trend: BFIN's earnings have declined by -23.4% per year over the past 5 years.

Accelerating Growth: BFIN's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: BFIN had negative earnings growth (-39.7%) over the past year, making it difficult to compare to the Banks industry average (12.2%).

Return on Equity

High ROE: BFIN's Return on Equity (6.7%) is considered low.

Return on Assets

Return on Capital Employed

Next Steps

Financial Health

How is BankFinancial's financial position? (This company is analysed differently as a bank or financial institution)

Financial Position Analysis

Debt to Equity History and Analysis

Balance Sheet

Inventory Level: BFIN has a low level of unsold assets or inventory.

Debt Coverage by Assets: BFIN's debt is not covered by short term assets (assets are -31.8x debt).

Financial Institutions Analysis

Asset Level: BFIN's level of assets compared to its equity is low.

Allowance for Bad Loans: BFIN has a sufficient allowance for bad loans.

Low Risk Liabilities: BFIN's liabilities are made up of primarily low risk sources of funding.

Loan Level: BFIN has an acceptable proportion of non-loan assets held.

Low Risk Deposits: BFIN's loans are broadly funded by customer deposits.

Level of Bad Loans: BFIN has an appropriate level of bad loans (0.07%)

Next Steps


What is BankFinancial's current dividend yield, its reliability and sustainability?


Current Dividend Yield

Dividend Yield vs Market

Notable Dividend: BFIN's dividend (3.28%) is higher than the bottom 25% of dividend payers in the US market (1.44%).

High Dividend: BFIN's dividend (3.28%) is low compared to the top 25% of dividend payers in the US market (3.71%).

Stability and Growth of Payments

Stable Dividend: BFIN's dividend payments have been volatile in the past 10 years.

Growing Dividend: BFIN's dividend payments have increased over the past 10 years.

Current Payout to Shareholders

Dividend Coverage: With its reasonable payout ratio (53.3%), BFIN's dividend payments are covered by earnings.

Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.

Next Steps


How experienced are the management team and are they aligned to shareholders interests?


Average management tenure


F. Gasior (55yo)





Mr. F. Morgan Gasior has been Chairman of the Board, Chief Executive Officer and President of BankFinancial Corporation (the “Company”) since 2004 and of BankFinancial, National Association (the “Bank”) si ...

CEO Compensation Analysis

Compensation vs Market: F.'s total compensation ($USD602.37K) is below average for companies of similar size in the US market ($USD1.11M).

Compensation vs Earnings: F.'s compensation has been consistent with company performance over the past year.

Leadership Team

F. Gasior
Chairman16.1yrsUS$602.37k1.92% $3.6m
Paul Cloutier
Executive VP16.1yrsUS$370.60k0.56% $1.0m
Mark Collins
Chief Information Officer0yrsno datano data
Gregg Adams
President of Marketing & Sales0yrsUS$260.76kno data
Donald Stelter
Executive Vice President of General Services Division-BankFinancial F.S.B.19.1yrsno datano data
John Manos
President of Commercial Real Estate Division - BankFinancial FSB5.8yrsUS$387.73kno data
Elizabeth Doolan
Senior VP of Finance & Controller0yrsno data0.47% $873.3k
Marci Slagle
President of BankFinancial Equipment Finance0yrsno datano data


Average Tenure


Average Age

Experienced Management: BFIN's management team is seasoned and experienced (16.1 years average tenure).

Board Members

F. Gasior
Chairman16.1yrsUS$602.37k1.92% $3.6m
Glen Wherfel
Independent Director13.8yrsUS$50.90k0.51% $942.4k
Thomas O'Neill
Independent Director8.1yrsUS$16.50k0.027% $50.4k
Terry Wells
Lead Director0yrsUS$50.90k0.37% $683.6k
John Hausmann
Independent Director16.1yrsUS$52.00k0.45% $837.2k
Cassandra Francis
Independent Director13.4yrsUS$46.50k0.26% $490.4k


Average Tenure


Average Age

Experienced Board: BFIN's board of directors are seasoned and experienced ( 13.8 years average tenure).


Who are the major shareholders and have insiders been buying or selling?

Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.

Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.

Top Shareholders

Company Information

BankFinancial Corporation's company bio, employee growth, exchange listings and data sources

Key Information

  • Name: BankFinancial Corporation
  • Ticker: BFIN
  • Exchange: NasdaqGS
  • Founded: 1924
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$186.397m
  • Shares outstanding: 15.28m
  • Website:

Number of Employees


  • BankFinancial Corporation
  • 15W060 North Frontage Road
  • Burr Ridge
  • Illinois
  • 60527
  • United States


TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
BFINNasdaqGS (Nasdaq Global Select)YesCommon StockUSUSDJun 2005


BankFinancial Corporation operates as the bank holding company for BankFinancial, National Association that provides commercial, family, and personal banking products and services in Illinois. The company accepts various deposit products, including savings, NOW, checking, money market, IRA, and other retirement accounts, as well as certificates of deposit. Its loan products include multi-family and nonresidential real estate, construction and land, and commercial loans, as well as commercial leases; consumer loans; and one-to-four family residential mortgage loans, including home equity loans and lines of credit. The company also provides various financial products and services, such as cash management, fund transfer, bill payment and other online and mobile banking transactions, automated teller machines, safe deposit boxes, trust, wealth management, and general insurance agency. In addition, it offers financial planning services; and sells property and casualty, and other insurance products on an agency basis. As of February 1, 2019, the company operated 19 full-service banking offices located in Cook, DuPage, Lake, and Will Counties, Illinois. BankFinancial Corporation was founded in 1924 and is headquartered in Burr Ridge, Illinois. 

Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/02/21 00:05
End of Day Share Price2020/02/20 00:00
Annual Earnings2019/12/31

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 here.