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.

Risks

  • BankFinancial has significant price volatility in the past 3 months.
  • BankFinancial is covered by less than 3 analysts.

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

-0.3%

NasdaqGS:BFIN

-1.8%

US Banks

0.2%

US Market


1 Year Return

-28.6%

NasdaqGS:BFIN

-15.3%

US Banks

-0.7%

US Market

BFIN underperformed the Banks industry which returned -15.3% over the past year.

BFIN underperformed the Market in United States of America which returned -0.7% over the past year.


Share holder returns

BFINIndustryMarket
7 Day-0.3%-1.8%0.2%
30 Day-14.8%-6.4%-2.7%
90 Day-18.4%-4.0%1.6%
1 Year-26.6%-28.6%-12.9%-15.3%1.6%-0.7%
3 Year0.5%-6.1%41.3%31.7%40.0%30.9%
5 Year20.6%9.0%50.8%34.5%53.8%36.8%

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 based on future cash flows and its price relative to the stock market?

12.24x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

BankFinancial's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

BankFinancial's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

BankFinancial is overvalued based on earnings compared to the US Banks industry average.

BankFinancial is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

BankFinancial is poor value based on expected growth next year.


Price Based on Value of Assets

BankFinancial is good value based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is BankFinancial expected to perform in the next 1 to 3 years based on estimates from 2 analysts?

1.5%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

BankFinancial's revenue is expected to grow by 0.5% yearly, however this is not considered high growth (20% yearly).

BankFinancial's earnings are expected to grow by 1.5% yearly, however this is not considered high growth (20% yearly).

BankFinancial's revenue growth is positive but not above the United States of America market average.

BankFinancial's earnings growth is positive but not above the United States of America market average.

BankFinancial's earnings growth is positive but not above the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if BankFinancial will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


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

BankFinancial's year on year earnings growth rate was negative over the past 5 years, however the most recent earnings are above average.

BankFinancial's 1-year earnings growth exceeds its 5-year average (21.8% vs -15.2%)

BankFinancial's earnings growth has not exceeded the US Banks industry average in the past year (21.8% vs 33.2%).


Return on Equity

BankFinancial has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

BankFinancial used its assets less efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if BankFinancial improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


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

Information is not available.

Information is not available.


Financial Institutions Analysis

BankFinancial has an acceptable proportion of non-loan assets held.

BankFinancial has a sufficient allowance for bad loans.

BankFinancial's liabilities are made up of primarily low risk sources of funding.

BankFinancial's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Loans at BankFinancial are broadly funded by customer deposits.

BankFinancial has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

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

3.90%

Expected Dividend Yield


Dividend Yield and Payments Analysis

BankFinancial's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.49%).

BankFinancial's dividend is below the markets top 25% of dividend payers in United States of America (3.85%).

Dividends per share have been volatile in the past 10 years (annual drop of over 20%).

Dividends per share have increased over the past 10 years.


Current Payout to Shareholders

Dividends paid are well covered by earnings (2.4x coverage).


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

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

15.6yrs

Average management tenure


CEO

F. Gasior (55yo)

15.6yrs

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

F.'s remuneration is lower than average for companies of similar size in United States of America.

F.'s compensation has been consistent with company performance over the past year, both up more than 20%.


Management Age and Tenure

15.6yrs

Average Tenure

56.5yo

Average Age

The average tenure for the BankFinancial management team is over 5 years, this suggests they are a seasoned and experienced team.


Board Age and Tenure

13.3yrs

Average Tenure

62yo

Average Age

The average tenure for the BankFinancial board of directors is over 10 years, this suggests they are a seasoned and experienced board.


Insider Trading

BankFinancial individual insiders have only sold shares in the past 3 months, but not in substantial volumes.


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: 0.0yrs
  • F. Gasior (55yo)

    Chairman

    • Tenure: 15.6yrs
    • Compensation: US$602.37k
  • Donald Stelter (66yo)

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

    • Tenure: 18.6yrs
  • Paul Cloutier (55yo)

    Executive VP

    • Tenure: 15.6yrs
    • Compensation: US$370.60k
  • Gregg Adams (60yo)

    President of Marketing & Sales

    • Tenure: 0.0yrs
    • Compensation: US$260.76k
  • Mark Collins (68yo)

    Chief Information Officer

    • Tenure: 0.0yrs
  • John Manos (58yo)

    President of Commercial Real Estate Division - BankFinancial FSB

    • Tenure: 5.3yrs
    • Compensation: US$387.73k
  • William Deutsch (51yo)

    President of National Commercial Leasing Division - Bankfinancial NA

    • Tenure: 8.6yrs
    • Compensation: US$359.22k

Board Members

  • Glen Wherfel (69yo)

    Director

    • Tenure: 13.3yrs
    • Compensation: US$50.90k
  • F. Gasior (55yo)

    Chairman

    • Tenure: 15.6yrs
    • Compensation: US$602.37k
  • Thomas O’Neill (73yo)

    Independent Director

    • Tenure: 7.6yrs
    • Compensation: US$16.50k
  • Terry Wells (60yo)

    Lead Director

    • Tenure: 0.0yrs
    • Compensation: US$50.90k
  • John Hausmann (64yo)

    Director

    • Tenure: 15.6yrs
    • Compensation: US$52.00k
  • Cassandra Francis (53yo)

    Director

    • Tenure: 12.9yrs
    • 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$177.262m
  • 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 Analysis2019/08/21 23:56
End of Day Share Price2019/08/21 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.