NasdaqGS:BFIN

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

Fundamentals

Flawless balance sheet second-rate dividend payer.


Similar Companies

Share Price & News

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


Latest Share Price and Events


Market Performance


7 Day Return

0.8%

BFIN

2.7%

US Banks

0.4%

US Market


1 Year Return

-17.2%

BFIN

2.7%

US Banks

6.9%

US Market

Return vs Industry: BFIN underperformed the US Banks industry which returned 2.7% over the past year.

Return vs Market: BFIN underperformed the US Market which returned 6.9% over the past year.


Shareholder returns

BFINIndustryMarket
7 Day0.8%2.7%0.4%
30 Day0.9%0.2%-1.2%
90 Day-10.7%2.9%-0.4%
1 Year-14.8%-17.2%5.7%2.7%9.3%6.9%
3 Year3.9%-3.0%52.1%41.6%45.8%36.4%
5 Year21.9%10.3%69.2%50.7%62.9%45.1%

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

Valuation

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

12.81x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Undervalued: BFIN ($12.07) is trading above our estimate of fair value ($6.07)

Significantly Undervalued: 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 (12.8x) compared to the Banks industry average (12.6x).

PE vs Market: BFIN is good value based on its PE Ratio (12.8x) compared to the US market (17.6x).


Price to Earnings Growth Ratio

Low PEG Ratio: BFIN is poor value based on its PEG Ratio (17.9x)


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 2 analysts?

0.7%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: BFIN's forecast earnings growth (0.7% per year) is below the savings rate (2.7%).

Earnings vs Market: BFIN's earnings (0.7% per year) are forecast to grow slower than the US market (14.5% per year).

High Growth Earnings: BFIN's earnings are forecast to grow, but not significantly.

Revenue vs Market: BFIN's revenue (0.04% per year) is forecast to grow slower than the US market (7.2% per year).

High Growth Revenue: BFIN's revenue (0.04% per year) is forecast to grow slower than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

High 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?

-15.2%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Earnings Trend: BFIN's earnings have declined by -15.2% per year over the past 5 years.

Accelerating Growth: BFIN's earnings growth over the past year (21.8%) exceeds its 5-year average (-15.2% per year).

Earnings vs Industry: BFIN earnings growth over the past year (21.8%) underperformed the Banks industry 29.6%.


Return on Equity

High ROE: BFIN's Return on Equity (9%) is considered low.


Return on Assets

ROA vs Industry: BFIN's Return on Assets is below or equal to the Banks industry average last year.


Return on Capital Employed

ROCE Improving: Insufficient data to calculate BFIN's Return on Capital Employed to determine if it has improved over the past 3 years.


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 covered by short term assets (assets are 229.378440x 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 (0.24%)


Next Steps

Dividend

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

3.31%

Current Dividend Yield


Dividend Yield vs Market

company3.3%marketbottom25%1.4%markettop25%3.7%industryaverage3.0%forecastin3Years3.7%

Current dividend yield vs market & industry


Stability and Growth of Payments

Notable Dividend: BFIN's dividend (3.31%) is higher than the bottom 25% of dividend payers in the US market (1.45%).

High Dividend: BFIN's dividend (3.31%) is low compared to the top 25% of dividend payers in the US market (3.73%).

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 reasonably low payout ratio (42.5%), BFIN's dividend payments are well 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

Management

What is the CEO of BankFinancial's salary, the management and board of directors tenure and is there insider trading?

15.8yrs

Average management tenure


CEO

F. Gasior (55yo)

15.8yrs

Tenure

US$602,367

Compensation

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 ($USD602.37K) is about average for companies of similar size in the US market ($USD1.16M).

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


Management Age and Tenure

15.8yrs

Average Tenure

56.5yo

Average Age

Experienced Management: BFIN's management team is seasoned and experienced (15.8 years average tenure).


Board Age and Tenure

13.4yrs

Average Tenure

62yo

Average Age

Experienced Board: BFIN's board of directors are seasoned and experienced ( 13.4 years average tenure).


Insider Trading

Insider Buying: BFIN insiders have only sold shares in the past 3 months.


Recent Insider Transactions

SellUS$36,57108 Aug 19
Thomas O’Neill
EntityIndividual
Role
Member of the Board of Directors
Independent Director
Shares3,000
Max PriceUS$12.20
BuyUS$675,28501 Mar 19
PL Capital Advisors, LLC
EntityCompany
Shares45,019
Max PriceUS$15.00
SellUS$675,28501 Mar 19
Albernet OU
EntityCompany
Shares45,019
Max PriceUS$15.00

Ownership Breakdown


Management Team

  • Betty Doolan (55yo)

    Senior VP & Controller

    • Tenure: 0yrs
  • F. Gasior (55yo)

    Chairman

    • Tenure: 15.8yrs
    • Compensation: US$602.37k
  • Donald Stelter (66yo)

    Executive Vice President of General Services Division-BankFinancial F.S.B.

    • Tenure: 18.8yrs
  • Paul Cloutier (55yo)

    Executive VP

    • Tenure: 15.8yrs
    • Compensation: US$370.60k
  • Gregg Adams (60yo)

    President of Marketing & Sales

    • Tenure: 0yrs
    • Compensation: US$260.76k
  • Mark Collins (68yo)

    Chief Information Officer

    • Tenure: 0yrs
  • John Manos (58yo)

    President of Commercial Real Estate Division - BankFinancial FSB

    • Tenure: 5.5yrs
    • Compensation: US$387.73k
  • William Deutsch (51yo)

    President of National Commercial Leasing Division - Bankfinancial NA

    • Tenure: 8.8yrs
    • Compensation: US$359.22k

Board Members

  • Glen Wherfel (69yo)

    Independent Director

    • Tenure: 13.4yrs
    • Compensation: US$50.90k
  • F. Gasior (55yo)

    Chairman

    • Tenure: 15.8yrs
    • Compensation: US$602.37k
  • Thomas O’Neill (73yo)

    Independent Director

    • Tenure: 7.8yrs
    • Compensation: US$16.50k
  • Terry Wells (60yo)

    Lead Director

    • Tenure: 0yrs
    • Compensation: US$50.90k
  • John Hausmann (64yo)

    Independent Director

    • Tenure: 15.8yrs
    • Compensation: US$52.00k
  • Cassandra Francis (53yo)

    Independent Director

    • Tenure: 13.1yrs
    • Compensation: US$46.50k

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$185.564m
  • Shares outstanding: 15.37m
  • Website: https://bankfinancial.com

Number of Employees


Location

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

Listings

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

Biography

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  ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/10/18 23:53
End of Day Share Price2019/10/18 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


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.