BankFinancial Corporation operates as the bank holding company for BankFinancial, National Association that provides various commercial, family, and personal banking products and services in Illinois.
Flawless balance sheet average 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 -27.6% over the past year.
Return vs Market: BFIN underperformed the US Market which returned 6.7% 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
1 week ago | Simply Wall StJohn Manos Is The President of Commercial Real Estate Division - BankFinancial FSB of BankFinancial Corporation (NASDAQ:BFIN) And They Just Picked Up 12% More Shares
2 weeks ago | Simply Wall StDoes BankFinancial Corporation's (NASDAQ:BFIN) CEO Pay Matter?
1 month ago | Simply Wall StThose Who Purchased BankFinancial (NASDAQ:BFIN) Shares Three Years Ago Have A 44% Loss To Show For It
Is BankFinancial undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: BFIN ($7.9) is trading below our estimate of fair value ($9.31)
Significantly Below Fair Value: BFIN is trading below fair value, but not by a significant amount.
Price To Earnings Ratio
PE vs Industry: BFIN is poor value based on its PE Ratio (11.5x) compared to the US Banks industry average (9.3x).
PE vs Market: BFIN is good value based on its PE Ratio (11.5x) compared to the US market (16.2x).
Price to Earnings Growth Ratio
PEG Ratio: BFIN's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: BFIN is good value based on its PB Ratio (0.7x) compared to the US Banks industry average (0.8x).
How is BankFinancial forecast to perform in the next 1 to 3 years based on estimates from 2 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: BFIN's earnings are forecast to decline over the next 3 years (-9.4% per year).
Earnings vs Market: BFIN's earnings are forecast to decline over the next 3 years (-9.4% per year).
High Growth Earnings: BFIN's earnings are forecast to decline over the next 3 years.
Revenue vs Market: BFIN's revenue is expected to decline over the next 3 years (-1.2% per year).
High Growth Revenue: BFIN's revenue is forecast to decline over the next 3 years (-1.2% 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 (20.1%) are lower than last year (29.5%).
Past Earnings Growth Analysis
Earnings Trend: BFIN's earnings have declined by -19.1% 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 (-45.4%) over the past year, making it difficult to compare to the Banks industry average (1.7%).
Return on Equity
High ROE: BFIN's Return on Equity (6.1%) is considered low.
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
Financial Institutions Analysis
Asset Level: BFIN's Assets to Equity ratio (8.4x) is low.
Allowance for Bad Loans: BFIN has a sufficient allowance for bad loans (1062%).
Low Risk Liabilities: 98% of BFIN's liabilities are made up of primarily low risk sources of funding.
Loan Level: BFIN has an appropriate level of Loans to Assets ratio (79%).
Low Risk Deposits: BFIN's Loans to Deposits ratio (92%) is appropriate.
Level of Bad Loans: BFIN has an appropriate level of bad loans (0.1%).
What is BankFinancial current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: BFIN's dividend (5.06%) is higher than the bottom 25% of dividend payers in the US market (1.68%).
High Dividend: BFIN's dividend (5.06%) is in the top 25% of dividend payers in the US market (4.6%)
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 (58.2%), 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 (56yo)
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 ($USD571.63K) is about average for companies of similar size in the US market ($USD614.21K).
Compensation vs Earnings: F.'s compensation has been consistent with company performance over the past year.
|Executive VP||16.5yrs||US$353.64k||0.57% $682.1k|
|President of Commercial Real Estate Division - BankFinancial FSB||6.25yrs||US$292.98k||0.40% $474.0k|
|Chief Information Officer||no data||no data||no data|
|President of Marketing & Sales||no data||US$260.76k||no data|
|Executive Vice President of General Services Division-BankFinancial F.S.B.||19.5yrs||no data||no data|
|Senior VP of Finance & Controller||no data||no data||no data|
|President of BankFinancial Equipment Finance||no data||no data||no data|
Experienced Management: BFIN's management team is seasoned and experienced (16.5 years average tenure).
|Independent Director||14.17yrs||US$58.80k||0.52% $622.0k|
|Independent Director||8.5yrs||US$18.00k||0.034% $40.0k|
|Independent Lead Director||no data||US$58.80k||0.37% $445.4k|
|Independent Director||16.5yrs||US$60.00k||0.46% $545.5k|
|Independent Director||13.83yrs||US$54.00k||0.27% $319.5k|
Experienced Board: BFIN's board of directors are seasoned and experienced ( 14.2 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: BFIN 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$118.834m
- Shares outstanding: 15.04m
- Website: https://www.bankfinancial.com
Number of Employees
- BankFinancial Corporation
- 60 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 various 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; one-to-four family residential mortgage loans, including home equity loans and lines of credit; and consumer loans. The company also provides various financial products and services, such as cash management, fund transfer, bill payment, 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 April 21, 2020, 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||2020/07/12 00:11|
|End of Day Share Price||2020/07/10 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.