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.


Snowflake Analysis

Flawless balance sheet average dividend payer.


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

-3.7%

BFIN

1.1%

US Banks

2.3%

US Market


1 Year Return

-42.7%

BFIN

-27.6%

US Banks

6.7%

US Market

Return vs Industry: BFIN underperformed the US Banks industry which returned -27.6% over the past year.

Return vs Market: BFIN underperformed the US Market which returned 6.7% over the past year.


Shareholder returns

BFINIndustryMarket
7 Day-3.7%1.1%2.3%
30 Day-0.8%-1.9%7.4%
90 Day-1.6%-5.0%17.9%
1 Year-40.6%-42.7%-25.1%-27.6%9.0%6.7%
3 Year-43.0%-47.5%-16.0%-22.7%36.6%27.7%
5 Year-26.1%-34.3%6.5%-6.4%64.2%46.1%

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?

15.1%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: BFIN ($7.9) is trading below our estimate of fair value ($9.31)

Significantly Below Fair Value: BFIN is trading below fair value, but not by a significant amount.


Price To Earnings Ratio

PE vs Industry: BFIN is poor value based on its PE Ratio (11.5x) compared to the US Banks industry average (9.3x).

PE vs Market: BFIN is good value based on its PE Ratio (11.5x) compared to the US market (16.2x).


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 (0.7x) 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?

-9.4%

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 (-9.4% per year).

Earnings vs Market: BFIN's earnings are forecast to decline over the next 3 years (-9.4% per year).

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

Revenue vs Market: BFIN's revenue is expected to decline over the next 3 years (-1.2% per year).

High Growth Revenue: BFIN's revenue is forecast to decline over the next 3 years (-1.2% per year).


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: Insufficient data to determine if BFIN's Return on Equity is forecast to be high in 3 years time


Next Steps

Past Performance

How has BankFinancial performed over the past 5 years?

-19.1%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: BFIN has high quality earnings.

Growing Profit Margin: BFIN's current net profit margins (20.1%) are lower than last year (29.5%).


Past Earnings Growth Analysis

Earnings Trend: BFIN's earnings have declined by -19.1% 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 (-45.4%) over the past year, making it difficult to compare to the Banks industry average (1.7%).


Return on Equity

High ROE: BFIN's Return on Equity (6.1%) 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 (8.4x) is low.

Allowance for Bad Loans: BFIN has a sufficient allowance for bad loans (1062%).

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 (79%).

Low Risk Deposits: BFIN's Loans to Deposits ratio (92%) is appropriate.

Level of Bad Loans: BFIN has an appropriate level of bad loans (0.1%).


Next Steps

Dividend

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

5.06%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: BFIN's dividend (5.06%) is higher than the bottom 25% of dividend payers in the US market (1.68%).

High Dividend: BFIN's dividend (5.06%) is in the top 25% of dividend payers in the US market (4.6%)


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: With its reasonable payout ratio (58.2%), 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

Management

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

16.5yrs

Average management tenure


CEO

F. Gasior (56yo)

16.5yrs

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 ($USD571.63K) is about average for companies of similar size in the US market ($USD614.21K).

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


Leadership Team

NamePositionTenureCompensationOwnership
F. Gasior
Chairman16.5yrsUS$571.63k1.99% $2.4m
Paul Cloutier
Executive VP16.5yrsUS$353.64k0.57% $682.1k
John Manos
President of Commercial Real Estate Division - BankFinancial FSB6.25yrsUS$292.98k0.40% $474.0k
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.19.5yrsno datano data
Elizabeth Doolan
Senior VP of Finance & Controllerno datano datano data
Marci Slagle
President of BankFinancial Equipment Financeno datano datano data

16.5yrs

Average Tenure

59yo

Average Age

Experienced Management: BFIN's management team is seasoned and experienced (16.5 years average tenure).


Board Members

NamePositionTenureCompensationOwnership
F. Gasior
Chairman16.5yrsUS$571.63k1.99% $2.4m
Glen Wherfel
Independent Director14.17yrsUS$58.80k0.52% $622.0k
Thomas O'Neill
Independent Director8.5yrsUS$18.00k0.034% $40.0k
Terry Wells
Independent Lead Directorno dataUS$58.80k0.37% $445.4k
John Hausmann
Independent Director16.5yrsUS$60.00k0.46% $545.5k
Cassandra Francis
Independent Director13.83yrsUS$54.00k0.27% $319.5k

14.2yrs

Average Tenure

63yo

Average Age

Experienced Board: BFIN's board of directors are seasoned and experienced ( 14.2 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 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$118.834m
  • Shares outstanding: 15.04m
  • 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 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; one-to-four family residential mortgage loans, including home equity loans and lines of credit; and consumer loans. The company also provides various financial products and services, such as cash management, fund transfer, bill payment, 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 April 21, 2020, 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. 


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/07/12 00:11
End of Day Share Price2020/07/10 00:00
Earnings2020/03/31
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.