NasdaqGS:BFIN

Stock Analysis Report

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Executive Summary

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. More Details


Snowflake Analysis

Flawless balance sheet, good value and pays a dividend.


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

Stable Share Price: BFIN has not had significant price volatility in the past 3 months.


Market Performance


7 Day Return

-3.1%

BFIN

-7.1%

US Banks

-2.4%

US Market


1 Year Return

-39.2%

BFIN

-31.9%

US Banks

12.0%

US Market

Return vs Industry: BFIN underperformed the US Banks industry which returned -31.9% over the past year.

Return vs Market: BFIN underperformed the US Market which returned 12% over the past year.


Shareholder returns

BFINIndustryMarket
7 Day-3.1%-7.1%-2.4%
30 Day-2.5%-8.4%-6.5%
90 Day-4.3%-3.4%8.4%
1 Year-36.8%-39.2%-29.5%-31.9%14.5%12.0%
3 Year-50.0%-54.2%-23.2%-29.5%34.8%25.8%
5 Year-33.7%-41.4%13.8%-0.1%82.1%61.6%

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?

31.3%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: BFIN ($7.27) is trading below our estimate of fair value ($10.58)

Significantly Below Fair Value: BFIN is trading below fair value by more than 20%.


Price To Earnings Ratio

PE vs Industry: BFIN's PE Ratio (9.2x) is in line with the US Banks industry average.

PE vs Market: BFIN is good value based on its PE Ratio (9.2x) compared to the US market (17.5x).


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 (0.6x) compared to the US Banks industry average (0.8x).


Next Steps

Future Growth

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

-5.1%

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 (-5.1% per year).

Earnings vs Market: BFIN's earnings are forecast to decline over the next 3 years (-5.1% per year).

High Growth Earnings: BFIN's earnings are forecast to decline over the next 3 years.

Revenue vs Market: BFIN's revenue (2.1% per year) is forecast to grow slower than the US market (9.9% per year).

High Growth Revenue: BFIN's revenue (2.1% 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 (5.2%).


Next Steps

Past Performance

How has BankFinancial performed over the past 5 years?

-11.9%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: BFIN has high quality earnings.

Growing Profit Margin: BFIN's current net profit margins (22.2%) are lower than last year (25.3%).


Past Earnings Growth Analysis

Earnings Trend: BFIN's earnings have declined by 11.9% 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 (-22.1%) over the past year, making it difficult to compare to the Banks industry average (-3%).


Return on Equity

High ROE: BFIN's Return on Equity (7%) is considered low.


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


Financial Institutions Analysis

Asset Level: BFIN's Assets to Equity ratio (9.2x) is low.

Allowance for Bad Loans: BFIN has a sufficient allowance for bad loans (457%).

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 (68%).

Low Risk Deposits: BFIN's Loans to Deposits ratio (78%) is appropriate.

Level of Bad Loans: BFIN has an appropriate level of bad loans (0.2%).


Next Steps

Dividend

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

5.50%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: BFIN's dividend (5.5%) is higher than the bottom 25% of dividend payers in the US market (1.75%).

High Dividend: BFIN's dividend (5.5%) is in the top 25% of dividend payers in the US market (4.99%)


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 (50.4%), 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.


Next Steps

  • Explore strong dividend paying companies in the Banks industry.

Management

How experienced are the management team and are they aligned to shareholders interests?

16.7yrs

Average management tenure


CEO

F. Gasior (56 yo)

16.67yrs

Tenure

US$571,628

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 ($USD571.63K) is about average for companies of similar size in the US market ($USD606.53K).

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


Leadership Team

NamePositionTenureCompensationOwnership
F. Gasior
Chairman16.67yrsUS$571.63k2.02%
$ 2.2m
Paul Cloutier
Executive VP16.67yrsUS$353.64k0.58%
$ 627.7k
John Manos
President of Commercial Real Estate Division - BankFinancial FSB6.42yrsUS$292.98k0.40%
$ 436.2k
Mark Collins
Chief Information Officerno datano datano data
Gregg Adams
President of Marketing & Salesno dataUS$260.76kno data
Donald Stelter
Executive Vice President of General Services Division-BankFinancial F.S.B.19.67yrsno datano data
Elizabeth Doolan
Senior VP of Finance & Controllerno datano datano data
Marci Slagle
President of BankFinancial Equipment Financeno datano datano data

16.7yrs

Average Tenure

59yo

Average Age

Experienced Management: BFIN's management team is seasoned and experienced (16.7 years average tenure).


Board Members

NamePositionTenureCompensationOwnership
F. Gasior
Chairman16.67yrsUS$571.63k2.02%
$ 2.2m
Glen Wherfel
Independent Director14.33yrsUS$58.80k0.53%
$ 572.4k
Thomas O'Neill
Independent Director8.67yrsUS$18.00k0.034%
$ 36.8k
Terry Wells
Independent Lead Directorno dataUS$58.80k0.38%
$ 409.9k
John Hausmann
Independent Director16.67yrsUS$60.00k0.47%
$ 502.0k
Cassandra Francis
Independent Director14yrsUS$54.00k0.27%
$ 294.0k

14.3yrs

Average Tenure

63yo

Average Age

Experienced Board: BFIN's board of directors are seasoned and experienced ( 14.3 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

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$107.939m
  • Shares outstanding: 14.85m
  • Website: https://www.bankfinancial.com

Number of Employees


Location

  • BankFinancial Corporation
  • 60 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 various commercial, family, and personal banking products and services in Illinois. The ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/09/26 05:34
End of Day Share Price2020/09/25 00:00
Earnings2020/06/30
Annual Earnings2019/12/31


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.