BankFinancial Corporation operates as the bank holding company for BankFinancial, National Association that provides commercial, family, and personal banking products and services in Illinois.
Flawless balance sheet second-rate dividend payer.
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.
7 Day Return
1 Year Return
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.
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
2 weeks ago | Simply Wall StShould You Buy BankFinancial Corporation (NASDAQ:BFIN) For Its Upcoming Dividend In 3 Days?
1 month ago | Simply Wall StShould You Be Worried About Insider Transactions At BankFinancial Corporation (NASDAQ:BFIN)?
1 month ago | Simply Wall StWhat Makes BankFinancial Corporation (NASDAQ:BFIN) A Great Dividend Stock?
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).
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
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
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
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%)
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.
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.
|Executive VP||16.1yrs||US$370.60k||0.56% $1.0m|
|Chief Information Officer||0yrs||no data||no data|
|President of Marketing & Sales||0yrs||US$260.76k||no data|
|Executive Vice President of General Services Division-BankFinancial F.S.B.||19.1yrs||no data||no data|
|President of Commercial Real Estate Division - BankFinancial FSB||5.8yrs||US$387.73k||no data|
|Senior VP of Finance & Controller||0yrs||no data||0.47% $873.3k|
|President of BankFinancial Equipment Finance||0yrs||no data||no data|
Experienced Management: BFIN's management team is seasoned and experienced (16.1 years average tenure).
|Independent Director||13.8yrs||US$50.90k||0.51% $942.4k|
|Independent Director||8.1yrs||US$16.50k||0.027% $50.4k|
|Lead Director||0yrs||US$50.90k||0.37% $683.6k|
|Independent Director||16.1yrs||US$52.00k||0.45% $837.2k|
|Independent Director||13.4yrs||US$46.50k||0.26% $490.4k|
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
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
BankFinancial Corporation's company bio, employee growth, exchange listings and data sources
- Name: BankFinancial Corporation
- Ticker: BFIN
- Exchange: NasdaqGS
- Founded: 1924
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$186.397m
- Shares outstanding: 15.28m
- Website: https://bankfinancial.com
Number of Employees
- BankFinancial Corporation
- 15W060 North Frontage Road
- Burr Ridge
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|BFIN||NasdaqGS (Nasdaq Global Select)||Yes||Common Stock||US||USD||Jun 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
|Data||Last Updated (UTC time)|
|Company Analysis||2020/02/21 00:05|
|End of Day Share Price||2020/02/20 00:00|
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.