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BankFinancial Corporation

BFIN

(2.5)
Stock Price

11,75 USD

0.71% ROA

6.12% ROE

12.11x PER

Market Cap.

127.796.825,00 USD

29.05% DER

3.86% Yield

14.28% NPM

BankFinancial Corporation Stock Analysis

BankFinancial Corporation Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

BankFinancial Corporation Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.73x) suggests it's undervalued, making it an attractive opportunity for investors.

2 DER

The stock has a minimal amount of debt (0%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

3 Dividend

Investors can take comfort in the company's unwavering commitment to dividends, as it has consistently distributed payouts over the past five years, ensuring a reliable income stream.

4 ROE

The stock's ROE falls within an average range (7.05%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

5 ROA

The stock's ROA (0.71%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

6 Graham Number

The Graham number calculation reveals that this company's stock price is potentially underestimated, implying that it may be a promising investment option.

7 Buffet Intrinsic Value

The company's stock presents an enticing opportunity as it appears undervalued (53) by Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

8 Revenue Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

9 Net Profit Growth

This company's net profit has remained flat over the past five years, suggesting a lack of growth and making it a less attractive investment opportunity.

10 Assets Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

11 Dividend Growth

Investors should note the company's stagnant dividend growth over the past three years, indicating limited profitability and potentially diminishing returns.

BankFinancial Corporation Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

BankFinancial Corporation Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

BankFinancial Corporation Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

BankFinancial Corporation Revenue
Year Revenue Growth
2001 7.041.000
2002 6.846.000 -2.85%
2003 8.934.000 23.37%
2004 51.886.000 82.78%
2005 60.075.000 13.63%
2006 67.106.000 10.48%
2007 63.297.000 -6.02%
2008 61.561.000 -2.82%
2009 61.257.000 -0.5%
2010 58.923.000 -3.96%
2011 69.751.000 15.52%
2012 57.740.000 -20.8%
2013 54.084.000 -6.76%
2014 53.150.000 -1.76%
2015 52.487.000 -1.26%
2016 53.407.000 1.72%
2017 56.229.000 5.02%
2018 66.771.000 15.79%
2019 58.436.000 -14.26%
2020 51.253.000 -14.01%
2021 49.461.000 -3.62%
2022 56.791.000 12.91%
2023 67.576.000 15.96%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

BankFinancial Corporation Research and Development Expenses
Year Research and Development Expenses Growth
2001 0
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

BankFinancial Corporation General and Administrative Expenses
Year General and Administrative Expenses Growth
2001 0
2002 0 0%
2003 0 0%
2004 25.875.000 100%
2005 28.227.000 8.33%
2006 34.454.000 18.07%
2007 32.276.000 -6.75%
2008 36.267.000 11%
2009 36.727.000 1.25%
2010 33.794.000 -8.68%
2011 33.348.000 -1.34%
2012 33.855.000 1.5%
2013 32.896.000 -2.92%
2014 28.545.000 -15.24%
2015 27.381.000 -4.25%
2016 27.766.000 1.39%
2017 26.463.000 -4.92%
2018 27.649.000 4.29%
2019 25.708.000 -7.55%
2020 26.097.000 1.49%
2021 27.814.000 6.17%
2022 22.043.000 -26.18%
2023 1.464.000 -1405.67%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

BankFinancial Corporation EBITDA
Year EBITDA Growth
2001 51.283.000
2002 44.559.000 -15.09%
2003 13.559.000 -228.63%
2004 33.660.000 59.72%
2005 50.988.000 33.98%
2006 58.135.000 12.29%
2007 54.236.000 -7.19%
2008 -56.000 96950%
2009 25.813.000 100.22%
2010 12.169.000 -112.12%
2011 -23.158.000 152.55%
2012 -17.163.000 -34.93%
2013 12.177.000 240.95%
2014 16.875.000 27.84%
2015 21.286.000 20.72%
2016 20.582.000 -3.42%
2017 26.677.000 22.85%
2018 38.866.000 31.36%
2019 15.958.000 -143.55%
2020 12.794.000 -24.73%
2021 11.830.000 -8.15%
2022 19.578.000 39.58%
2023 13.072.000 -49.77%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

BankFinancial Corporation Gross Profit
Year Gross Profit Growth
2001 7.041.000
2002 6.846.000 -2.85%
2003 8.934.000 23.37%
2004 51.886.000 82.78%
2005 60.075.000 13.63%
2006 67.106.000 10.48%
2007 63.297.000 -6.02%
2008 61.561.000 -2.82%
2009 61.257.000 -0.5%
2010 58.923.000 -3.96%
2011 69.751.000 15.52%
2012 57.740.000 -20.8%
2013 54.084.000 -6.76%
2014 53.150.000 -1.76%
2015 52.487.000 -1.26%
2016 53.407.000 1.72%
2017 56.607.000 5.65%
2018 66.854.000 15.33%
2019 58.436.000 -14.41%
2020 51.253.000 -14.01%
2021 49.461.000 -3.62%
2022 56.791.000 12.91%
2023 67.576.000 15.96%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

BankFinancial Corporation Net Profit
Year Net Profit Growth
2001 3.136.000
2002 5.046.000 37.85%
2003 -9.578.000 152.68%
2004 1.457.000 757.38%
2005 11.073.000 86.84%
2006 10.046.000 -10.22%
2007 7.155.000 -40.41%
2008 -19.389.000 136.9%
2009 -738.000 -2527.24%
2010 -4.307.000 82.87%
2011 -48.696.000 91.16%
2012 -27.109.000 -79.63%
2013 3.298.000 921.98%
2014 40.614.000 91.88%
2015 8.675.000 -368.17%
2016 7.502.000 -15.64%
2017 9.004.000 16.68%
2018 19.342.000 53.45%
2019 11.672.000 -65.71%
2020 9.163.000 -27.38%
2021 7.410.000 -23.66%
2022 10.494.000 29.39%
2023 9.476.000 -10.74%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

BankFinancial Corporation Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2001 0
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 -1 0%
2009 0 0%
2010 0 0%
2011 -2 100%
2012 -1 -100%
2013 0 0%
2014 2 100%
2015 0 0%
2016 0 0%
2017 0 0%
2018 1 100%
2019 1 0%
2020 1 0%
2021 1 0%
2022 1 0%
2023 1 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

BankFinancial Corporation Free Cashflow
Year Free Cashflow Growth
2004 12.060.000
2005 27.417.000 56.01%
2006 12.244.000 -123.92%
2007 15.619.000 21.61%
2008 8.402.000 -85.9%
2009 11.167.000 24.76%
2010 23.810.000 53.1%
2011 17.609.000 -35.21%
2012 14.678.000 -19.97%
2013 9.769.000 -50.25%
2014 16.669.000 41.39%
2015 14.340.000 -16.24%
2016 18.245.000 21.4%
2017 21.597.000 15.52%
2018 19.076.000 -13.22%
2019 20.576.000 7.29%
2020 11.510.000 -78.77%
2021 5.433.000 -111.85%
2022 7.348.000 26.06%
2023 4.412.000 -66.55%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

BankFinancial Corporation Operating Cashflow
Year Operating Cashflow Growth
2004 14.372.000
2005 29.737.000 51.67%
2006 13.398.000 -121.95%
2007 17.734.000 24.45%
2008 11.417.000 -55.33%
2009 14.265.000 19.96%
2010 24.877.000 42.66%
2011 19.979.000 -24.52%
2012 17.013.000 -17.43%
2013 9.779.000 -73.97%
2014 17.845.000 45.2%
2015 14.882.000 -19.91%
2016 18.941.000 21.43%
2017 22.730.000 16.67%
2018 20.685.000 -9.89%
2019 21.374.000 3.22%
2020 13.517.000 -58.13%
2021 7.768.000 -74.01%
2022 9.292.000 16.4%
2023 4.893.000 -89.9%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

BankFinancial Corporation Capital Expenditure
Year Capital Expenditure Growth
2004 2.312.000
2005 2.320.000 0.34%
2006 1.154.000 -101.04%
2007 2.115.000 45.44%
2008 3.015.000 29.85%
2009 3.098.000 2.68%
2010 1.067.000 -190.35%
2011 2.370.000 54.98%
2012 2.335.000 -1.5%
2013 10.000 -23250%
2014 1.176.000 99.15%
2015 542.000 -116.97%
2016 696.000 22.13%
2017 1.133.000 38.57%
2018 1.609.000 29.58%
2019 798.000 -101.63%
2020 2.007.000 60.24%
2021 2.335.000 14.05%
2022 1.944.000 -20.11%
2023 481.000 -304.16%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

BankFinancial Corporation Equity
Year Equity Growth
2001 102.472.000
2002 103.498.000 0.99%
2003 96.687.000 -7.04%
2004 94.888.000 -1.9%
2005 328.777.000 71.14%
2006 326.015.000 -0.85%
2007 291.137.000 -11.98%
2008 266.791.000 -9.13%
2009 263.603.000 -1.21%
2010 253.285.000 -4.07%
2011 199.857.000 -26.73%
2012 172.890.000 -15.6%
2013 175.627.000 1.56%
2014 216.121.000 18.74%
2015 212.364.000 -1.77%
2016 204.780.000 -3.7%
2017 197.634.000 -3.62%
2018 187.150.000 -5.6%
2019 174.372.000 -7.33%
2020 172.930.000 -0.83%
2021 157.466.000 -9.82%
2022 151.671.000 -3.82%
2023 153.755.000 1.36%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

BankFinancial Corporation Assets
Year Assets Growth
2001 1.635.645.000
2002 1.490.726.000 -9.72%
2003 1.457.911.000 -2.25%
2004 1.492.782.000 2.34%
2005 1.614.436.000 7.54%
2006 1.613.122.000 -0.08%
2007 1.480.544.000 -8.95%
2008 1.554.701.000 4.77%
2009 1.566.890.000 0.78%
2010 1.530.655.000 -2.37%
2011 1.563.575.000 2.11%
2012 1.481.192.000 -5.56%
2013 1.453.594.000 -1.9%
2014 1.465.410.000 0.81%
2015 1.512.443.000 3.11%
2016 1.620.037.000 6.64%
2017 1.625.558.000 0.34%
2018 1.585.325.000 -2.54%
2019 1.488.015.000 -6.54%
2020 1.596.842.000 6.82%
2021 1.700.682.000 6.11%
2022 1.575.137.000 -7.97%
2023 1.505.454.000 -4.63%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

BankFinancial Corporation Liabilities
Year Liabilities Growth
2001 1.533.173.000
2002 1.387.228.000 -10.52%
2003 1.361.224.000 -1.91%
2004 1.397.894.000 2.62%
2005 1.285.659.000 -8.73%
2006 1.287.107.000 0.11%
2007 1.189.407.000 -8.21%
2008 1.287.910.000 7.65%
2009 1.303.287.000 1.18%
2010 1.277.370.000 -2.03%
2011 1.363.718.000 6.33%
2012 1.308.302.000 -4.24%
2013 1.277.967.000 -2.37%
2014 1.249.289.000 -2.3%
2015 1.300.079.000 3.91%
2016 1.415.257.000 8.14%
2017 1.427.924.000 0.89%
2018 1.398.175.000 -2.13%
2019 1.313.643.000 -6.43%
2020 1.423.912.000 7.74%
2021 1.543.216.000 7.73%
2022 1.423.466.000 -8.41%
2023 1.351.699.000 -5.31%

BankFinancial Corporation Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
4.98
Net Income per Share
0.85
Price to Earning Ratio
12.11x
Price To Sales Ratio
2.04x
POCF Ratio
9.29
PFCF Ratio
10.49
Price to Book Ratio
0.85
EV to Sales
0.01
EV Over EBITDA
0.05
EV to Operating CashFlow
0.06
EV to FreeCashFlow
0.07
Earnings Yield
0.08
FreeCashFlow Yield
0.1
Market Cap
0,13 Bil.
Enterprise Value
0,00 Bil.
Graham Number
15.33
Graham NetNet
-80.73

Income Statement Metrics

Net Income per Share
0.85
Income Quality
1.3
ROE
0.07
Return On Assets
0.01
Return On Capital Employed
0.03
Net Income per EBT
0.74
EBT Per Ebit
0.83
Ebit per Revenue
0.23
Effective Tax Rate
0.26

Margins

Sales, General, & Administrative to Revenue
0.22
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.18
Gross Profit Margin
1
Operating Profit Margin
0.23
Pretax Profit Margin
0.19
Net Profit Margin
0.14

Dividends

Dividend Yield
0.04
Dividend Yield %
3.86
Payout Ratio
0.47
Dividend Per Share
0.4

Operating Metrics

Operating Cashflow per Share
1.11
Free CashFlow per Share
0.97
Capex to Operating CashFlow
-0.13
Capex to Revenue
-0.03
Capex to Depreciation
-1.44
Return on Invested Capital
0.07
Return on Tangible Assets
0.01
Days Sales Outstanding
48.63
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
7.51
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-0.15

Balance Sheet

Cash per Share
26,23
Book Value per Share
12,22
Tangible Book Value per Share
12.22
Shareholders Equity per Share
12.22
Interest Debt per Share
4.5
Debt to Equity
0.29
Debt to Assets
0.03
Net Debt to EBITDA
-6.53
Current Ratio
70.78
Tangible Asset Value
0,15 Bil.
Net Current Asset Value
-0,22 Bil.
Invested Capital
0.29
Working Capital
1,12 Bil.
Intangibles to Total Assets
0
Average Receivables
0,01 Bil.
Average Payables
0,02 Bil.
Average Inventory
0
Debt to Market Cap
0.35

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

BankFinancial Corporation Dividends
Year Dividends Growth
2006 0
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

BankFinancial Corporation Profile

About BankFinancial Corporation

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. The company also provides cash management, funds transfer, bill payment, other online and mobile banking transactions, automated teller machines, safe deposit boxes, trust, wealth management, and general insurance agency services. In addition, it offers financial planning services; and sells property and casualty, and other insurance products on an agency basis. The company operates 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.

CEO
Mr. F. Morgan Gasior
Employee
183
Address
60 North Frontage Road
Burr Ridge, 60527

BankFinancial Corporation Executives & BODs

BankFinancial Corporation Executives & BODs
# Name Age
1 Mr. F. Morgan Gasior
Chairman, Chief Executive Officer & President
70
2 Mr. Donald F. Stelter
Executive Vice President of General Services Division-BankFinancial F.S.B.
70
3 Mr. Gregg T. Adams
President of Marketing & Sales
70
4 Mr. John G. Manos
President of Commercial Real Estate Division - BankFinancial FSB
70
5 Ms. Marci L. Slagle
President of Equipment Finance of BankFinancial, NA
70
6 Mr. Paul A. Cloutier
Executive Vice President, Chief Financial Officer & Treasurer
70
7 Ms. Katie Multon
Marketing Communications Manager
70
8 Mr. James J. Brennan
Secretary
70
9 Ms. Elizabeth A. Doolan
Senior Vice President of Finance & Controller
70
10 Mr. Mark W. Collins
Chief Information Officer
70

BankFinancial Corporation Competitors