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BankFinancial

Nasdaq:BFIN
Snowflake Description

Flawless balance sheet with acceptable track record.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
BFIN
Nasdaq
$217M
Market Cap
  1. Home
  2. US
  3. Banks
Company description

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 last earnings update was 50 days ago. More info.


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BFIN Share Price and Events
7 Day Returns
0.1%
NasdaqGS:BFIN
-1.1%
US Banks
0.1%
US Market
1 Year Returns
-23.7%
NasdaqGS:BFIN
-9.1%
US Banks
1.2%
US Market
BFIN Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
BankFinancial (BFIN) 0.1% -4.1% -5.9% -23.7% 15.5% 31.4%
US Banks -1.1% -1.1% -3.3% -9.1% 43.9% 38.4%
US Market 0.1% 0.6% 0.9% 1.2% 36.7% 37.9%
1 Year Return vs Industry and Market
  • BFIN underperformed the Banks industry which returned -9.1% over the past year.
  • BFIN underperformed the Market in United States of America which returned 1.2% over the past year.
Price Volatility
BFIN
Industry
5yr Volatility vs Market

BFIN Value

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

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of BankFinancial to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for BankFinancial.

NasdaqGS:BFIN Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Median Return on Equity from the past 5 years.
= Stable Book Value * Return on Equity
= $11.95 * 4.6%
$0.55
Book Value of Equity per Share Weighted future Book Value estimates from 2 analysts. $11.95
Discount Rate (Cost of Equity) See below 7.5%
Perpetual Growth Rate 10-Year US Government Bond Rate 2.7%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for NasdaqGS:BFIN
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year US Govt Bond Rate 2.7%
Equity Risk Premium S&P Global 6%
Banks Unlevered Beta Simply Wall St/ S&P Global 0.59
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.59 (1 + (1- 21%) (10.4%))
0.758
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
0.8
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 2.73% + (0.8 * 5.96%)
7.5%

Discounted Cash Flow Calculation for NasdaqGS:BFIN using Excess Returns Model Model

The calculations below outline how an intrinsic value for BankFinancial is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

NasdaqGS:BFIN Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (4.6% – 7.5%) * $11.95)
$-0.34
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= $-0.34 / (7.5% - 2.73%)
$-7.22
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= $11.95 + $-7.22
$4.72
NasdaqGS:BFIN Discount to Share Price
Calculation Result
Value per share (USD) From above. $4.72
Current discount Discount to share price of $13.99
= -1 x ($13.99 - $4.72) / $4.72
-196.2%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

  • The current share price of BankFinancial is above its future cash flow value.
Often investors are willing to pay a premium for a company that has a high dividend or the potential for future growth.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for BankFinancial's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are BankFinancial's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
NasdaqGS:BFIN PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-03-31) in USD $1.14
NasdaqGS:BFIN Share Price ** NasdaqGS (2019-06-18) in USD $13.99
United States of America Banks Industry PE Ratio Median Figure of 600 Publicly-Listed Banks Companies 12.66x
United States of America Market PE Ratio Median Figure of 3,092 Publicly-Listed Companies 17.63x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of BankFinancial.

NasdaqGS:BFIN PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= NasdaqGS:BFIN Share Price ÷ EPS (both in USD)

= 13.99 ÷ 1.14

12.3x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • BankFinancial is good value 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
Does BankFinancial's expected growth come at a high price?
Raw Data
NasdaqGS:BFIN PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 12.3x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 2 Analysts
-5.5%per year
United States of America Banks Industry PEG Ratio Median Figure of 272 Publicly-Listed Banks Companies 1.36x
United States of America Market PEG Ratio Median Figure of 2,126 Publicly-Listed Companies 1.53x

*Line of best fit is calculated by linear regression .

NasdaqGS:BFIN PEG (Price to Earnings to Growth) Ratio Calculation
Calculation Outcome
PEG Ratio

= PE Ratio ÷ Net Income Annual Growth Rate

= 12.3x ÷ -5.5%

-2.23x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • BankFinancial earnings are not expected to grow next year, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on BankFinancial's assets?
Raw Data
NasdaqGS:BFIN PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-03-31) in USD $11.26
NasdaqGS:BFIN Share Price * NasdaqGS (2019-06-18) in USD $13.99
United States of America Banks Industry PB Ratio Median Figure of 603 Publicly-Listed Banks Companies 1.19x
United States of America Market PB Ratio Median Figure of 5,244 Publicly-Listed Companies 1.79x
NasdaqGS:BFIN PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= NasdaqGS:BFIN Share Price ÷ Book Value per Share (both in USD)

= 13.99 ÷ 11.26

1.24x

* Primary Listing of BankFinancial.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • BankFinancial is overvalued based on assets compared to the US Banks industry average.
X
Value checks
We assess BankFinancial's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Banks industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Banks industry average (and greater than 0)? (1 check)
  5. BankFinancial has a total score of 2/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

BFIN Future Performance

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

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
-5.5%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is BankFinancial expected to grow at an attractive rate?
  • BankFinancial's earnings are expected to decrease over the next 1-3 years, this is below the low risk savings rate of 2.7%.
Growth vs Market Checks
  • BankFinancial's earnings are expected to decrease over the next 1-3 years, this is below the United States of America market average.
  • BankFinancial's revenues are expected to decrease over the next 1-3 years, this is below the United States of America market average.
Annual Growth Rates Comparison
Raw Data
NasdaqGS:BFIN Future Growth Rates Data Sources
Data Point Source Value (per year)
NasdaqGS:BFIN Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 2 Analysts -5.5%
NasdaqGS:BFIN Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 2 Analysts -0.2%
United States of America Banks Industry Earnings Growth Rate Market Cap Weighted Average 3.8%
United States of America Banks Industry Revenue Growth Rate Market Cap Weighted Average 3.8%
United States of America Market Earnings Growth Rate Market Cap Weighted Average 13.9%
United States of America Market Revenue Growth Rate Market Cap Weighted Average 7.4%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
NasdaqGS:BFIN Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (2 months ago) See Below
Future Estimates Average of up to 2 Analyst Estimates (S&P Global) See Below
All numbers in USD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
NasdaqGS:BFIN Future Estimates Data
Date (Data in USD Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2020-12-31 65 17 1
2019-12-31 61 16 1
NasdaqGS:BFIN Past Financials Data
Date (Data in USD Millions) Revenue Cash Flow Net Income *
2019-03-31 65 17 19
2018-12-31 65 21 19
2018-09-30 59 22 13
2018-06-30 59 24 13
2018-03-31 58 23 11
2017-12-31 57 23 9
2017-09-30 56 21 10
2017-06-30 55 19 9
2017-03-31 53 17 7
2016-12-31 54 19 8
2016-09-30 54 15 7
2016-06-30 55 14 7

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • BankFinancial's earnings are expected to decrease over the next 1-3 years, this is not considered high growth.
  • BankFinancial's revenue is expected to decrease over the next 1-3 years, this is not considered high growth.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
NasdaqGS:BFIN Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (2 months ago) See Below
Future Estimates Average of up to 2 Analyst Estimates (S&P Global) See Below

All data from BankFinancial Company Filings, last reported 2 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NasdaqGS:BFIN Future Estimates Data
Date (Data in USD Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2020-12-31 1.07 1.12 1.02 2.00
2019-12-31 0.98 1.01 0.95 2.00
NasdaqGS:BFIN Past Financials Data
Date (Data in USD Millions) EPS *
2019-03-31 1.14
2018-12-31 1.11
2018-09-30 0.73
2018-06-30 0.71
2018-03-31 0.59
2017-12-31 0.49
2017-09-30 0.56
2017-06-30 0.50
2017-03-31 0.40
2016-12-31 0.40
2016-09-30 0.38
2016-06-30 0.37

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if BankFinancial will efficiently use shareholders’ funds in the future without estimates of Return on Equity.
X
Future performance checks
We assess BankFinancial's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United States of America market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
BankFinancial has a total score of 0/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

BFIN Past Performance

  How has BankFinancial performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare BankFinancial's growth in the last year to its industry (Banks).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • 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 (81% vs -11.2%)
  • BankFinancial's earnings growth has exceeded the US Banks industry average in the past year (81% vs 40.4%).
Earnings and Revenue History
BankFinancial's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from BankFinancial Company Filings, last reported 2 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NasdaqGS:BFIN Past Revenue, Cash Flow and Net Income Data
Date (Data in USD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-03-31 65.43 19.33 35.26
2018-12-31 65.32 19.34 34.88
2018-09-30 59.07 12.92 32.89
2018-06-30 58.86 12.74 32.88
2018-03-31 57.93 10.68 32.21
2017-12-31 56.59 9.00 32.38
2017-09-30 55.50 10.27 33.19
2017-06-30 55.17 9.22 33.02
2017-03-31 53.31 7.48 33.64
2016-12-31 53.85 7.50 34.26
2016-09-30 54.43 7.36 34.50
2016-06-30 54.57 7.20 34.66
2016-03-31 56.39 8.59 34.28
2015-12-31 56.19 8.68 33.99
2015-09-30 55.94 41.24 33.97
2015-06-30 56.59 42.48 34.34
2015-03-31 55.34 41.66 34.72
2014-12-31 53.89 40.61 35.11
2014-09-30 53.95 7.44 36.10
2014-06-30 52.58 4.89 36.91
2014-03-31 53.04 3.56 38.29
2013-12-31 54.73 3.30 39.46
2013-09-30 31.56 -23.23 39.00
2013-06-30 28.98 -29.49 39.36
2013-03-31 30.55 -28.77 39.34
2012-12-31 32.80 -27.11 39.34
2012-09-30 49.97 -49.14 39.21
2012-06-30 50.05 -45.81 39.46

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • BankFinancial has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • BankFinancial used its assets more efficiently than the US Banks industry average last year based on Return on Assets.
  • 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.
X
Past performance checks
We assess BankFinancial's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Banks industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
BankFinancial has a total score of 3/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

BFIN Health

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

This company is a bank or financial institution.

Fundamentally a bank's business is based upon borrowing and lending money, for this reason they typically have high levels of debt and we analyse them differently.
Net Worth
Balance sheet
This treemap shows a more detailed breakdown of BankFinancial's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from BankFinancial Company Filings, last reported 2 months ago.

NasdaqGS:BFIN Past Debt and Equity Data
Date (Data in USD Millions) Total Equity Total Debt Cash & Short Term Investments
2019-03-31 176.22 22.59 147.23
2018-12-31 187.15 21.05 171.71
2018-09-30 192.08 21.23 176.11
2018-06-30 194.23 50.90 188.80
2018-03-31 198.35 60.98 178.92
2017-12-31 197.63 60.77 203.51
2017-09-30 199.78 60.93 206.02
2017-06-30 200.06 50.88 172.23
2017-03-31 202.02 52.05 165.39
2016-12-31 204.78 51.07 182.62
2016-09-30 203.67 1.41 177.43
2016-06-30 206.71 1.47 166.93
2016-03-31 209.49 17.62 151.83
2015-12-31 212.36 64.32 147.28
2015-09-30 213.07 18.05 137.66
2015-06-30 211.75 3.04 147.08
2015-03-31 217.55 3.22 147.89
2014-12-31 216.12 12.92 145.63
2014-09-30 181.28 2.83 171.03
2014-06-30 178.32 3.07 203.64
2014-03-31 176.86 2.67 227.35
2013-12-31 175.63 3.06 225.97
2013-09-30 174.31 2.88 278.01
2013-06-30 173.23 2.94 327.73
2013-03-31 173.64 2.74 333.41
2012-12-31 172.89 5.57 309.22
2012-09-30 198.00 6.95 268.22
2012-06-30 202.94 10.08 242.64
BANK ANALYSIS

This company is a bank or financial institution, which is analysed accordingly below.

Below we check the amount of loans the bank has, how many of those are bad, and its ability to cover any bad loans.
  • BankFinancial has an acceptable proportion of non-loan assets held.
  • BankFinancial's liabilities are made up of primarily low risk sources of funding.
  • Loans at BankFinancial are broadly funded by customer deposits.
  • BankFinancial's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).
  • BankFinancial has a sufficient allowance for bad loans.
  • BankFinancial has an acceptable level of bad loans (less than 2%).
X
Financial health checks
We assess BankFinancial's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. BankFinancial has a total score of 6/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

BFIN Dividends

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

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
2.86%
Current annual income from BankFinancial dividends. Estimated to be 3.22% next year.
If you bought $2,000 of BankFinancial shares you are expected to receive $57 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • BankFinancial's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.46%).
  • BankFinancial's dividend is below the markets top 25% of dividend payers in United States of America (3.72%).
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
NasdaqGS:BFIN Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 2 Analyst Estimates (S&P Global) See Below
United States of America Banks Industry Average Dividend Yield Market Cap Weighted Average of 478 Stocks 2.9%
United States of America Market Average Dividend Yield Market Cap Weighted Average of 2011 Stocks 2.5%
United States of America Minimum Threshold Dividend Yield 10th Percentile 0.8%
United States of America Bottom 25% Dividend Yield 25th Percentile 1.5%
United States of America Top 25% Dividend Yield 75th Percentile 3.7%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

NasdaqGS:BFIN Future Dividends Estimate Data
Date (Data in $) Dividend per Share (annual) Avg. No. Analysts
2020-12-31 0.50 1.00
2019-12-31 0.40 1.00
NasdaqGS:BFIN Past Annualized Dividends Data
Date (Data in $) Dividend per share (annual) Avg. Yield (%)
2019-04-26 0.400 2.774
2019-02-01 0.400 2.634
2018-10-26 0.400 2.712
2018-07-27 0.400 2.556
2018-04-27 0.360 2.035
2018-01-26 0.320 1.949
2017-10-26 0.320 2.036
2017-07-27 0.280 1.751
2017-04-27 0.280 1.876
2017-01-26 0.240 1.662
2016-10-27 0.240 1.700
2016-08-04 0.200 1.610
2016-04-28 0.200 1.612
2016-01-29 0.200 1.666
2015-10-29 0.160 1.271
2015-07-30 0.160 1.304
2015-05-01 0.160 1.333
2015-02-02 0.160 1.288
2014-10-31 0.120 1.038
2014-09-15 0.080 0.741
2014-07-25 0.080 0.764
2014-04-22 0.040 0.391
2013-11-25 0.040 0.414
2013-10-15 0.040 0.436
2013-06-06 0.040 0.459
2013-04-11 0.040 0.500
2012-09-17 0.040 0.518
2012-06-05 0.040 0.522
2012-03-29 0.040 0.596
2011-12-01 0.040 0.697
2011-07-20 0.280 3.870
2011-04-28 0.280 3.314
2011-01-27 0.280 3.098
2010-10-29 0.280 2.939
2010-07-29 0.280 3.068
2010-04-28 0.280 3.170
2010-01-29 0.280 2.928
2009-10-28 0.280 2.877
2009-07-30 0.280 2.830

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • 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
What portion of BankFinancial's earnings are paid to the shareholders as a dividend.
  • Dividends paid are well covered by earnings (2.9x 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.
X
Income/ dividend checks
We assess BankFinancial's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.8%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can BankFinancial afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. BankFinancial has a total score of 3/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

BFIN Management

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

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
F. Gasior
COMPENSATION $602,367
AGE 54
TENURE AS CEO 15.4 years
CEO Bio

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”) since 1989 and as a Director of the Bank since 1983. Held the same positions with the Company’s predecessors, BankFinancial MHC and BankFinancial Corporation, a federal corporation, from 1999 to 2005. Mr. Gasior has been employed by the Bank in a variety of positions since 1984 and became a full-time employee in 1988 when he was appointed as Executive Vice President and Chief Operating Officer. He was also a Director and officer of Financial Assurance Services, Inc. from 1989 through 2003. Mr. Gasior is licensed as an attorney in the States of Illinois and Michigan, but he does not actively practice law.

CEO Compensation
  • F.'s compensation has been consistent with company performance over the past year, both up more than 20%.
  • F.'s remuneration is lower than average for companies of similar size in United States of America.
Management Team Tenure

Average tenure and age of the BankFinancial management team in years:

15.4
Average Tenure
55.5
Average Age
  • The average tenure for the BankFinancial management team is over 5 years, this suggests they are a seasoned and experienced team.
Management Team

F. Gasior

TITLE
Chairman
COMPENSATION
$602K
AGE
54
TENURE
15.4 yrs

Paul Cloutier

TITLE
Executive VP
COMPENSATION
$371K
AGE
54
TENURE
15.4 yrs

William Deutsch

TITLE
President of National Commercial Leasing Division - Bankfinancial NA
COMPENSATION
$359K
AGE
50
TENURE
8.4 yrs

Mark Collins

TITLE
Chief Information Officer
AGE
67

Gregg Adams

TITLE
President of Marketing & Sales
COMPENSATION
$261K
AGE
59

Donald Stelter

TITLE
Executive Vice President of General Services Division-BankFinancial F.S.B.
AGE
65
TENURE
18.4 yrs

John Manos

TITLE
President of Commercial Real Estate Division - BankFinancial FSB
COMPENSATION
$388K
AGE
57
TENURE
5.2 yrs

Betty Doolan

TITLE
Senior VP & Controller
AGE
54
Board of Directors Tenure

Average tenure and age of the BankFinancial board of directors in years:

13.1
Average Tenure
61
Average Age
  • The average tenure for the BankFinancial board of directors is over 10 years, this suggests they are a seasoned and experienced board.
Board of Directors

F. Gasior

TITLE
Chairman
COMPENSATION
$602K
AGE
54
TENURE
15.4 yrs

Terry Wells

TITLE
Lead Director
COMPENSATION
$51K
AGE
59

Glen Wherfel

TITLE
Director
COMPENSATION
$51K
AGE
68
TENURE
13.1 yrs

John Hausmann

TITLE
Director
COMPENSATION
$52K
AGE
63
TENURE
15.4 yrs

Cassandra Francis

TITLE
Director
COMPENSATION
$47K
AGE
52
TENURE
12.8 yrs

Thomas O’Neill

TITLE
Independent Director
COMPENSATION
$17K
AGE
72
TENURE
7.4 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price ($) Value ($)
01. Mar 19 Buy PL Capital Advisors, LLC Company 01. Feb 19 01. Feb 19 45,019 $15.00 $675,285
01. Mar 19 Sell Albernet OU Company 01. Feb 19 01. Feb 19 -45,019 $15.00 $-675,285
25. Jun 18 Sell John Hausmann Individual 22. Jun 18 22. Jun 18 -20 $18.32 $-366
X
Management checks
We assess BankFinancial's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. BankFinancial has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

BFIN News

Simply Wall St News

Is It Worth Buying BankFinancial Corporation (NASDAQ:BFIN) For Its 2.9% Dividend Yield?

Could BankFinancial Corporation (NASDAQ:BFIN) be an attractive dividend share to own for the long haul? … On the other hand, investors have been known to buy a stock because of its yield, and then lose money if the company's dividend doesn't live up to expectations. … Conclusion When we look at a dividend stock, we need to form a judgement on whether the dividend will grow, if the company is able to maintain it in a wide range of economic circumstances, and if the dividend payout is sustainable.

Simply Wall St -

Need To Know: BankFinancial Corporation (NASDAQ:BFIN) Insiders Have Been Selling Shares

See our latest analysis for BankFinancial BankFinancial Insider Transactions Over The Last Year Over the last year, we can see that the biggest insider sale was by the , James Brennan, for US$180k worth of shares, at about US$18.04 per share. … BankFinancial insiders didn't buy any shares over the last year. … Insider Ownership Many investors like to check how much of a company is owned by insiders.

Simply Wall St -

If You Had Bought BankFinancial (NASDAQ:BFIN) Shares Five Years Ago You'd Have Made 50%

For example, the BankFinancial Corporation (NASDAQ:BFIN) share price is up 50% in the last five years, slightly above the market return. … In comparison, the share price is down 13% in a year. … Over half a decade, BankFinancial managed to grow its earnings per share at 45% a year.

Simply Wall St -

Real Risks To Know Before Investing In BankFinancial Corporation (NASDAQ:BFIN)

Economic growth impacts the stability of salaries and interest rate level which in turn affects borrowers’ demand for, and ability to repay, their loans. … Risk associate with repayment is measured by the level of bad debt which is an expense written off BankFinancial’s bottom line. … Today I will take you through some bad debt and liability measures to analyse the level of risky assets held by the bank.

Simply Wall St -

What Percentage Of BankFinancial Corporation (NASDAQ:BFIN) Shares Do Insiders Own?

The big shareholder groups in BankFinancial Corporation (NASDAQ:BFIN) have power over the company. … With a market capitalization of US$245m, BankFinancial is a small cap stock, so it might not be well known by many institutional investors. … Check out our latest analysis for BankFinancial

Simply Wall St -

Should BankFinancial Corporation (NASDAQ:BFIN) Be Part Of Your Portfolio?

Dividends can be underrated but they form a large part of investment returns, playing an important role in compounding returns in the long run. … Historically, BankFinancial Corporation (NASDAQ:BFIN) has paid dividends to shareholders, and these days it yields 2.6%. … Let's dig deeper into whether BankFinancial should have a place in your portfolio.

Simply Wall St -

Is BankFinancial Corporation's (NASDAQ:BFIN) P/E Ratio Really That Good?

The goal of this article is to teach you how to use price to earnings ratios (P/E ratios). … That is equivalent to an earnings yield of about 7.3%. … Price to Earnings Ratio = Price per Share ÷ Earnings per Share (EPS)

Simply Wall St -

Is BankFinancial Corporation's (NASDAQ:BFIN) CEO Being Overpaid?

This analysis aims first to contrast CEO compensation with other companies that have similar market capitalization. … Take the survey and be part of one of the most advanced studies of stock market investors to date? … Gasior's Compensation Compare With Similar Sized Companies?.

Simply Wall St -

Should You Be Worried About Insider Transactions At BankFinancial Corporation (NASDAQ:BFIN)?

So shareholders might well want to know whether insiders have been buying or selling shares in BankFinancial Corporation (NASDAQ:BFIN). … But logic dictates you should pay some attention to whether insiders are buying or selling shares. … So we know that an insider sold shares at around the present share price of US$14.18.

Simply Wall St -

Is BankFinancial Corporation (NASDAQ:BFIN) A Smart Pick For Income Investors?

Historically, BankFinancial Corporation (NASDAQ:BFIN) has paid a dividend to shareholders. … Does BankFinancial tick all the boxes of a great dividend stock? … 5 checks you should do on a dividend stock

Simply Wall St -

BFIN Company Info

Description

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.

Details
Name: BankFinancial Corporation
BFIN
Exchange: NasdaqGS
Founded: 1924
$217,092,609
15,517,699
Website: http://bankfinancial.com
Address: BankFinancial Corporation
15W060 North Frontage Road,
Burr Ridge,
Illinois, 60527,
United States
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
NasdaqGS BFIN Common Stock Nasdaq Global Select US USD 24. Jun 2005
Number of employees
Current staff
Staff numbers
235
BankFinancial employees.
Industry
Regional Banks
Banks
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/06/19 00:08
End of day share price update: 2019/06/18 00:00
Last estimates confirmation: 2019/05/21
Last earnings filing: 2019/04/30
Last earnings reported: 2019/03/31
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

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.