BankFinancial Corporation operates as the bank holding company for BankFinancial, National Association that provides various commercial, family, and personal banking products and services.
Price History & Performance
|Historical stock prices|
|Current Share Price||US$11.29|
|52 Week High||US$6.81|
|52 Week Low||US$12.79|
|1 Month Change||-1.40%|
|3 Month Change||6.81%|
|1 Year Change||47.39%|
|3 Year Change||-29.44%|
|5 Year Change||-11.66%|
|Change since IPO||-16.99%|
Recent News & Updates
|BFIN||US Banks||US Market|
Return vs Industry: BFIN underperformed the US Banks industry which returned 60.8% over the past year.
Return vs Market: BFIN exceeded the US Market which returned 30.7% over the past year.
Stable Share Price: BFIN is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: BFIN's weekly volatility (4%) has been stable over the past year.
About the Company
BankFinancial Corporation operates as the bank holding company for BankFinancial, National Association that provides various commercial, family, and personal banking products and services. 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 and leases; one-to-four family residential mortgage loans, including home equity loans and lines of credit; and consumer loans.
BankFinancial Fundamentals Summary
|BFIN fundamental statistics|
Is BFIN overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|BFIN income statement (TTM)|
|Cost of Revenue||US$0|
Last Reported Earnings
Jun 30, 2021
Next Earnings Date
|Earnings per share (EPS)||0.53|
|Net Profit Margin||15.30%|
How did BFIN perform over the long term?See historical performance and comparison
3.5%Current Dividend Yield
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 ($11.29) is trading below our estimate of fair value ($14.59)
Significantly Below Fair Value: BFIN is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: BFIN is poor value based on its PE Ratio (20x) compared to the US Banks industry average (10.6x).
PE vs Market: BFIN is poor value based on its PE Ratio (20x) compared to the US market (17.1x).
Price to Earnings Growth Ratio
PEG Ratio: BFIN is poor value based on its PEG Ratio (1.4x)
Price to Book Ratio
PB vs Industry: BFIN is good value based on its PB Ratio (0.9x) compared to the US Banks industry average (1.1x).
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 forecast earnings growth (14.2% per year) is above the savings rate (2%).
Earnings vs Market: BFIN's earnings (14.2% per year) are forecast to grow slower than the US market (14.8% per year).
High Growth Earnings: BFIN's earnings are forecast to grow, but not significantly.
Revenue vs Market: BFIN's revenue (4% per year) is forecast to grow slower than the US market (9.5% per year).
High Growth Revenue: BFIN's revenue (4% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: BFIN's Return on Equity is forecast to be low in 3 years time (6.8%).
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 (15.3%) are lower than last year (22.2%).
Past Earnings Growth Analysis
Earnings Trend: BFIN's earnings have grown by 4.7% 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 (-35.6%) over the past year, making it difficult to compare to the Banks industry average (36%).
Return on Equity
High ROE: BFIN's Return on Equity (4.7%) 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 (10x) is low.
Allowance for Bad Loans: BFIN has a sufficient allowance for bad loans (776%).
Low Risk Liabilities: 97% 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 (62%).
Low Risk Deposits: BFIN's Loans to Deposits ratio (72%) 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 (3.54%) is higher than the bottom 25% of dividend payers in the US market (1.36%).
High Dividend: BFIN's dividend (3.54%) is low compared to the top 25% of dividend payers in the US market (3.6%).
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: At its current payout ratio (75.5%), BFIN's payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: BFIN's dividends in 3 years are forecast to be covered by earnings (54.5% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
F. Gasior (57 yo)
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 ($USD601.64K) is below average for companies of similar size in the US market ($USD1.08M).
Compensation vs Earnings: F.'s compensation has been consistent with company performance over the past year.
Experienced Management: BFIN's management team is seasoned and experienced (17.7 years average tenure).
Experienced Board: BFIN's board of directors are seasoned and experienced ( 15.3 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 employee growth, exchange listings and data sources
- Name: BankFinancial Corporation
- Ticker: BFIN
- Exchange: NasdaqGS
- Founded: 1924
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$156.124m
- Shares outstanding: 13.83m
- Website: https://www.bankfinancial.com
Number of Employees
- BankFinancial Corporation
- 60 North Frontage Road
- Burr Ridge
- United States
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/09/16 04:28|
|End of Day Share Price||2021/09/15 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.