BFIN

BankFinancialNasdaqGS:BFIN Stock Report

Market Cap

US$160.3m

7D

4.2%

1Y

54.5%

Updated

18 Sep, 2021

Data

Company Financials +
BFIN fundamental analysis
Snowflake Score
Valuation3/6
Future Growth1/6
Past Performance2/6
Financial Health6/6
Dividends4/6

BFIN Overview

BankFinancial Corporation operates as the bank holding company for BankFinancial, National Association that provides various commercial, family, and personal banking products and services.

BankFinancial Competitors

Price History & Performance

Summary of all time highs, changes and price drops for BankFinancial
Historical stock prices
Current Share PriceUS$11.59
52 Week HighUS$6.81
52 Week LowUS$12.79
Beta0.64
1 Month Change3.11%
3 Month Change9.65%
1 Year Change54.53%
3 Year Change-27.92%
5 Year Change-9.03%
Change since IPO-14.78%

Recent News & Updates

Shareholder Returns

BFINUS BanksUS Market
7D4.2%0.9%-0.6%
1Y54.5%63.3%33.8%

Return vs Industry: BFIN underperformed the US Banks industry which returned 63.3% over the past year.

Return vs Market: BFIN exceeded the US Market which returned 33.8% over the past year.

Price Volatility

Is BFIN's price volatile compared to industry and market?
BFIN volatility
BFIN Beta0.64
Industry Beta1.37
Market Beta1

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

FoundedEmployeesCEOWebsite
1924218F. Gasiorhttps://www.bankfinancial.com

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

How do BankFinancial's earnings and revenue compare to its market cap?
BFIN fundamental statistics
Market CapUS$160.27m
Earnings (TTM)US$7.79m
Revenue (TTM)US$50.91m

20.6x

P/E Ratio

1.0x

P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
BFIN income statement (TTM)
RevenueUS$50.91m
Cost of RevenueUS$0
Gross ProfitUS$50.91m
ExpensesUS$43.12m
EarningsUS$7.79m

Last Reported Earnings

Jun 30, 2021

Next Earnings Date

n/a

Earnings per share (EPS)0.53
Gross Margin100.00%
Net Profit Margin15.30%
Debt/Equity Ratio14.8%

How did BFIN perform over the long term?

See historical performance and comparison

Dividends

3.5%

Current Dividend Yield

75%

Payout Ratio

Valuation

Is BankFinancial undervalued compared to its fair value and its price relative to the market?

20.8%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: BFIN ($11.59) is trading below our estimate of fair value ($14.64)

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 (20.6x) compared to the US Banks industry average (10.8x).

PE vs Market: BFIN is poor value based on its PE Ratio (20.6x) compared to the US market (17.8x).


Price to Earnings Growth Ratio

PEG Ratio: BFIN is poor value based on its PEG Ratio (1.5x)


Price to Book Ratio

PB vs Industry: BFIN is good value based on its PB Ratio (1x) compared to the US Banks industry average (1.1x).


Future Growth

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

14.2%

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 (14.9% 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 (9.8% 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%).


Past Performance

How has BankFinancial performed over the past 5 years?

4.7%

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.


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 (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%).


Dividend

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

3.45%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: BFIN's dividend (3.45%) is higher than the bottom 25% of dividend payers in the US market (1.33%).

High Dividend: BFIN's dividend (3.45%) 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).


Next Steps

Management

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

17.7yrs

Average management tenure


CEO

F. Gasior (57 yo)

17.67yrs

Tenure

US$601,635

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 ($USD601.64K) is below average for companies of similar size in the US market ($USD1.10M).

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


Leadership Team

Experienced Management: BFIN's management team is seasoned and experienced (17.7 years average tenure).


Board Members

Experienced Board: BFIN's board of directors are seasoned and experienced ( 15.3 years average tenure).


Ownership

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

Ownership Breakdown

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


Top Shareholders

Company Information

BankFinancial Corporation's 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$160.273m
  • Shares outstanding: 13.83m
  • Website: https://www.bankfinancial.com

Number of Employees


Location

  • BankFinancial Corporation
  • 60 North Frontage Road
  • Burr Ridge
  • Illinois
  • 60527
  • United States

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/09/18 22:06
End of Day Share Price2021/09/17 00:00
Earnings2021/06/30
Annual Earnings2020/12/31


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.