BFIN
BankFinancial Corporation
Banks - Regional
Market Cap$150M
5Y Perf.+32.2%
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Stock Comparison
BFIN vs NECB
Revenue, margins, valuation, and 5-year total return — side by side.
NECB
Northeast Community Bancorp, Inc.
Banks - Regional
Market Cap$337M
5Y Perf.+291.2%
BFIN vs NECB — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | BFIN | NECB |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $150M | $337M |
| Revenue (TTM) | $74M | $157M |
| Net Income (TTM) | $2M | $44M |
| Gross Margin | 66.2% | 66.1% |
| Operating Margin | 6.8% | 39.6% |
| Forward P/E | 15.2x | 7.6x |
| Total Debt | $39M | $75M |
| Cash & Equiv. | $119M | $81M |
BFIN vs NECB — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
BFIN
NECB
| Stock | May 20 | Jan 26 | Return |
|---|---|---|---|
| BankFinancial Corpo… (BFIN) | 100 | 132.2 | +32.2% |
| Northeast Community… (NECB) | 100 | 391.2 | +291.2% |
Price return only. Dividends and distributions are not included.
Quick Verdict: BFIN vs NECB
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: NECB leads in 5 of 7 categories, making it the strongest pick for valuation and capital efficiency and profitability and margin quality. BankFinancial Corporation is the stronger pick specifically for growth and revenue expansion and capital preservation and lower volatility. As sector peers, any of these can serve as alternatives in the same allocation.
BFIN
BankFinancial Corporation
The Banking Pick
BFIN is the clearest fit if your priority is growth exposure and sleep-well-at-night.
- Rev growth 4.5%, EPS growth -55.4%
- Lower volatility, beta 0.60, Low D/E 24.8%, current ratio 0.35x
- Beta 0.60, yield 3.3%, current ratio 0.35x
Best for: growth exposure and sleep-well-at-night
NECB
Northeast Community Bancorp, Inc.
The Banking Pick
NECB carries the broadest edge in this set and is the clearest fit for income & stability and long-term compounding.
- Dividend streak 2 yrs, beta 0.83, yield 4.0%
- 458.0% 10Y total return vs BFIN's 23.9%
- NIM 4.9% vs BFIN's 3.4%
Best for: income & stability and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | BFIN | 4.5% NII/revenue growth vs NECB's -1.6% |
| Value | NECB | Lower P/E (7.6x vs 15.2x) |
| Quality / Margins | NECB | Efficiency ratio 0.3% vs BFIN's 0.6% (lower = leaner) |
| Stability / Safety | BFIN | Beta 0.60 vs NECB's 0.83 |
| Dividends | NECB | 4.0% yield, 2-year raise streak, vs BFIN's 3.3% |
| Momentum (1Y) | NECB | +10.1% vs BFIN's -0.2% |
| Efficiency (ROA) | NECB | Efficiency ratio 0.3% vs BFIN's 0.6% |
BFIN vs NECB — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2024
Segment breakdown not available.
BFIN vs NECB — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLNECBLAGGINGBFIN
BFINBankFinancial Corpora…
0leads
NECBNortheast Community B…
5leads
6 Total Categories
CATEGORYLEADERvs BFINMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
NECB3/5
Valuation MetricsMultiples, price ratios, and targets
NECB5/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
NECB6/9
Total Returns1Y, 3Y, 5Y total returns with dividends
NECB6/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
NECB2/2
Income & Cash Flow (Last 12 Months)
NECB leads this category, winning 3 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
NECB is the larger business by revenue, generating $157M annually — 2.1x BFIN's $74M. NECB is the more profitable business, keeping 28.2% of every revenue dollar as net income compared to BFIN's 5.5%.
| Metric | BFINBankFinancial Cor… | NECBNortheast Communi… |
|---|---|---|
| RevenueTrailing 12 months | $74M | $157M |
| EBITDAEarnings before interest/tax | -$8M | $63M |
| Net IncomeAfter-tax profit | $2M | $44M |
| Free Cash FlowCash after capex | $3M | $51M |
| Gross MarginGross profit ÷ Revenue | +66.2% | +66.1% |
| Operating MarginEBIT ÷ Revenue | +6.8% | +39.6% |
| Net MarginNet income ÷ Revenue | +5.5% | +28.2% |
| FCF MarginFCF ÷ Revenue | +7.4% | +32.3% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +18.8% | +6.8% |
NECB leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
NECB leads this category, winning 5 of 6 comparable metrics.
Valuation Metrics
At 7.5x trailing earnings, NECB trades at a 79% valuation discount to BFIN's 36.4x P/E. On an enterprise value basis, NECB's 5.2x EV/EBITDA is more attractive than BFIN's 13.4x.
| Metric | BFINBankFinancial Cor… | NECBNortheast Communi… |
|---|---|---|
| Market CapShares × price | $150M | $337M |
| Enterprise ValueMkt cap + debt − cash | $69M | $331M |
| Trailing P/EPrice ÷ TTM EPS | 36.36x | 7.50x |
| Forward P/EPrice ÷ next-FY EPS est. | 15.19x | 7.58x |
| PEG RatioP/E ÷ EPS growth rate | — | 0.22x |
| EV / EBITDAEnterprise value multiple | 13.36x | 5.22x |
| Price / SalesMarket cap ÷ Revenue | 2.01x | 2.14x |
| Price / BookPrice ÷ Book value/share | 0.96x | 0.95x |
| Price / FCFMarket cap ÷ FCF | 27.34x | 6.63x |
NECB leads this category, winning 5 of 6 comparable metrics.
Profitability & Efficiency
NECB leads this category, winning 6 of 9 comparable metrics.
Profitability & Efficiency
NECB delivers a 13.1% return on equity — every $100 of shareholder capital generates $13 in annual profit, vs $1 for BFIN. NECB carries lower financial leverage with a 0.21x debt-to-equity ratio, signaling a more conservative balance sheet compared to BFIN's 0.25x. On the Piotroski fundamental quality scale (0–9), BFIN scores 7/9 vs NECB's 5/9, reflecting strong financial health.
| Metric | BFINBankFinancial Cor… | NECBNortheast Communi… |
|---|---|---|
| ROE (TTM)Return on equity | +1.5% | +13.1% |
| ROA (TTM)Return on assets | +0.2% | +2.2% |
| ROICReturn on invested capital | +1.9% | +12.5% |
| ROCEReturn on capital employed | +2.3% | +16.2% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 5 |
| Debt / EquityFinancial leverage | 0.25x | 0.21x |
| Net DebtTotal debt minus cash | -$80M | -$6M |
| Cash & Equiv.Liquid assets | $119M | $81M |
| Total DebtShort + long-term debt | $39M | $75M |
| Interest CoverageEBIT ÷ Interest expense | 0.09x | 1.17x |
NECB leads this category, winning 6 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
NECB leads this category, winning 6 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in NECB five years ago would be worth $21,982 today (with dividends reinvested), compared to $13,064 for BFIN. Over the past 12 months, NECB leads with a +10.1% total return vs BFIN's -0.2%. The 3-year compound annual growth rate (CAGR) favors NECB at 27.4% vs BFIN's 20.6% — a key indicator of consistent wealth creation.
| Metric | BFINBankFinancial Cor… | NECBNortheast Communi… |
|---|---|---|
| YTD ReturnYear-to-date | 0.0% | +8.8% |
| 1-Year ReturnPast 12 months | -0.2% | +10.1% |
| 3-Year ReturnCumulative with dividends | +75.6% | +106.7% |
| 5-Year ReturnCumulative with dividends | +30.6% | +119.8% |
| 10-Year ReturnCumulative with dividends | +23.9% | +458.0% |
| CAGR (3Y)Annualised 3-year return | +20.6% | +27.4% |
NECB leads this category, winning 6 of 6 comparable metrics.
Risk & Volatility
Evenly matched — BFIN and NECB each lead in 1 of 2 comparable metrics.
Risk & Volatility
BFIN is the less volatile stock with a 0.60 beta — it tends to amplify market swings less than NECB's 0.83 beta. A beta below 1.0 means the stock typically moves less than the S&P 500.
| Metric | BFINBankFinancial Cor… | NECBNortheast Communi… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.60x | 0.83x |
| 52-Week HighHighest price in past year | $12.96 | $25.61 |
| 52-Week LowLowest price in past year | $10.69 | $19.27 |
| % of 52W HighCurrent price vs 52-week peak | +92.6% | +95.2% |
| RSI (14)Momentum oscillator 0–100 | 42.3 | 48.2 |
| Avg Volume (50D)Average daily shares traded | 0 | 36K |
Evenly matched — BFIN and NECB each lead in 1 of 2 comparable metrics.
Analyst Outlook
NECB leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Wall Street rates BFIN as "Hold" and NECB as "Hold". For income investors, NECB offers the higher dividend yield at 4.00% vs BFIN's 3.33%.
| Metric | BFINBankFinancial Cor… | NECBNortheast Communi… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Hold |
| Price TargetConsensus 12-month target | — | — |
| # AnalystsCovering analysts | 2 | 1 |
| Dividend YieldAnnual dividend ÷ price | +3.3% | +4.0% |
| Dividend StreakConsecutive years of raises | 0 | 2 |
| Dividend / ShareAnnual DPS | $0.40 | $0.98 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.1% | +0.5% |
NECB leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
NECB leads in 5 of 6 categories — strongest in Income & Cash Flow and Valuation Metrics. 1 category is tied.
Best OverallNortheast Community Bancorp… (NECB)Leads 5 of 6 categories
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BFIN vs NECB: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is BFIN or NECB a better buy right now?
For growth investors, BankFinancial Corporation (BFIN) is the stronger pick with 4.
5% revenue growth year-over-year, versus -1. 6% for Northeast Community Bancorp, Inc. (NECB). Northeast Community Bancorp, Inc. (NECB) offers the better valuation at 7. 5x trailing P/E (7. 6x forward), making it the more compelling value choice. Analysts rate BankFinancial Corporation (BFIN) a "Hold" — based on 2 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — BFIN or NECB?
On trailing P/E, Northeast Community Bancorp, Inc.
(NECB) is the cheapest at 7. 5x versus BankFinancial Corporation at 36. 4x. On forward P/E, Northeast Community Bancorp, Inc. is actually cheaper at 7. 6x.
03Which is the better long-term investment — BFIN or NECB?
Over the past 5 years, Northeast Community Bancorp, Inc.
(NECB) delivered a total return of +119. 8%, compared to +30. 6% for BankFinancial Corporation (BFIN). Over 10 years, the gap is even starker: NECB returned +458. 0% versus BFIN's +24. 6%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — BFIN or NECB?
By beta (market sensitivity over 5 years), BankFinancial Corporation (BFIN) is the lower-risk stock at 0.
60β versus Northeast Community Bancorp, Inc. 's 0. 83β — meaning NECB is approximately 37% more volatile than BFIN relative to the S&P 500. On balance sheet safety, Northeast Community Bancorp, Inc. (NECB) carries a lower debt/equity ratio of 21% versus 25% for BankFinancial Corporation — giving it more financial flexibility in a downturn.
05Which is growing faster — BFIN or NECB?
By revenue growth (latest reported year), BankFinancial Corporation (BFIN) is pulling ahead at 4.
5% versus -1. 6% for Northeast Community Bancorp, Inc. (NECB). On earnings-per-share growth, the picture is similar: Northeast Community Bancorp, Inc. grew EPS -7. 7% year-over-year, compared to -55. 4% for BankFinancial Corporation. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — BFIN or NECB?
Northeast Community Bancorp, Inc.
(NECB) is the more profitable company, earning 28. 2% net margin versus 5. 5% for BankFinancial Corporation — meaning it keeps 28. 2% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: NECB leads at 39. 6% versus 6. 8% for BFIN. At the gross margin level — before operating expenses — BFIN leads at 66. 2%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is BFIN or NECB more undervalued right now?
On forward earnings alone, Northeast Community Bancorp, Inc.
(NECB) trades at 7. 6x forward P/E versus 15. 2x for BankFinancial Corporation — 7. 6x cheaper on a one-year earnings basis.
08Which pays a better dividend — BFIN or NECB?
All stocks in this comparison pay dividends.
Northeast Community Bancorp, Inc. (NECB) offers the highest yield at 4. 0%, versus 3. 3% for BankFinancial Corporation (BFIN).
09Is BFIN or NECB better for a retirement portfolio?
For long-horizon retirement investors, Northeast Community Bancorp, Inc.
(NECB) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 83), 4. 0% yield, +458. 0% 10Y return). Both have compounded well over 10 years (NECB: +458. 0%, BFIN: +24. 6%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between BFIN and NECB?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: BFIN is a small-cap income-oriented stock; NECB is a small-cap deep-value stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(BFIN: 4.5% · NECB: -1.6%)Net Margin>
%
(BFIN: 5.5% · NECB: 28.2%)P/E Ratio<
x
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