BFIN
BankFinancial Corporation
Banks - Regional
Market Cap$150M
5Y Perf.+32.2%
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Stock Comparison
BFIN vs HONE
Revenue, margins, valuation, and 5-year total return — side by side.
HONE
HarborOne Bancorp, Inc.
Banks - Regional
Market Cap$522M
5Y Perf.+51.8%
BFIN vs HONE — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | BFIN | HONE |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $150M | $522M |
| Revenue (TTM) | $74M | $314M |
| Net Income (TTM) | $2M | $26M |
| Gross Margin | 66.2% | 50.9% |
| Operating Margin | 6.8% | 10.9% |
| Forward P/E | 15.2x | 13.3x |
| Total Debt | $39M | $517M |
| Cash & Equiv. | $119M | $231M |
BFIN vs HONE — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
BFIN
HONE
| Stock | May 20 | Jan 26 | Return |
|---|---|---|---|
| BankFinancial Corpo… (BFIN) | 100 | 132.2 | +32.2% |
| HarborOne Bancorp, … (HONE) | 100 | 151.8 | +51.8% |
Price return only. Dividends and distributions are not included.
Quick Verdict: BFIN vs HONE
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: HONE leads in 5 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. BankFinancial Corporation is the stronger pick specifically for capital preservation and lower volatility and dividend income and shareholder returns. 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 income & stability and sleep-well-at-night.
- Dividend streak 0 yrs, beta 0.60, yield 3.3%
- 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: income & stability and sleep-well-at-night
HONE
HarborOne Bancorp, Inc.
The Banking Pick
HONE carries the broadest edge in this set and is the clearest fit for growth exposure and long-term compounding.
- Rev growth 10.7%, EPS growth 78.4%
- 88.3% 10Y total return vs BFIN's 23.9%
- 10.7% NII/revenue growth vs BFIN's 4.5%
Best for: growth exposure and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | HONE | 10.7% NII/revenue growth vs BFIN's 4.5% |
| Value | HONE | Lower P/E (13.3x vs 15.2x) |
| Quality / Margins | HONE | Efficiency ratio 0.4% vs BFIN's 0.6% (lower = leaner) |
| Stability / Safety | BFIN | Beta 0.60 vs HONE's 1.05, lower leverage |
| Dividends | BFIN | 3.3% yield, vs HONE's 2.6% |
| Momentum (1Y) | HONE | +7.6% vs BFIN's -0.2% |
| Efficiency (ROA) | HONE | Efficiency ratio 0.4% vs BFIN's 0.6% |
BFIN vs HONE — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2024
Segment breakdown not available.
BFIN vs HONE — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLBFINLAGGINGHONE
HONEHarborOne Bancorp, In…
2leads
BFINBankFinancial Corpora…
3leads
6 Total Categories
CATEGORYLEADERvs HONEMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
BFIN3/5
Valuation MetricsMultiples, price ratios, and targets
HONE4/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
HONE5/9
Total Returns1Y, 3Y, 5Y total returns with dividends
BFIN3/5
Risk & VolatilityBeta, volatility, and downside exposure
BFIN2/2
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
BFIN leads this category, winning 3 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
HONE is the larger business by revenue, generating $314M annually — 4.2x BFIN's $74M. Profitability is closely matched — net margins range from 8.7% (HONE) to 5.5% (BFIN).
| Metric | BFINBankFinancial Cor… | HONEHarborOne Bancorp… |
|---|---|---|
| RevenueTrailing 12 months | $74M | $314M |
| EBITDAEarnings before interest/tax | -$8M | $37M |
| Net IncomeAfter-tax profit | $2M | $26M |
| Free Cash FlowCash after capex | $3M | $46M |
| Gross MarginGross profit ÷ Revenue | +66.2% | +50.9% |
| Operating MarginEBIT ÷ Revenue | +6.8% | +10.9% |
| Net MarginNet income ÷ Revenue | +5.5% | +8.7% |
| FCF MarginFCF ÷ Revenue | +7.4% | +0.8% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +18.8% | +11.1% |
BFIN leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
HONE leads this category, winning 4 of 6 comparable metrics.
Valuation Metrics
At 18.3x trailing earnings, HONE trades at a 50% valuation discount to BFIN's 36.4x P/E. On an enterprise value basis, BFIN's 13.4x EV/EBITDA is more attractive than HONE's 20.8x.
| Metric | BFINBankFinancial Cor… | HONEHarborOne Bancorp… |
|---|---|---|
| Market CapShares × price | $150M | $522M |
| Enterprise ValueMkt cap + debt − cash | $69M | $808M |
| Trailing P/EPrice ÷ TTM EPS | 36.36x | 18.33x |
| Forward P/EPrice ÷ next-FY EPS est. | 15.19x | 13.30x |
| PEG RatioP/E ÷ EPS growth rate | — | 1.23x |
| EV / EBITDAEnterprise value multiple | 13.36x | 20.84x |
| Price / SalesMarket cap ÷ Revenue | 2.01x | 1.66x |
| Price / BookPrice ÷ Book value/share | 0.96x | 0.87x |
| Price / FCFMarket cap ÷ FCF | 27.34x | 200.70x |
HONE leads this category, winning 4 of 6 comparable metrics.
Profitability & Efficiency
HONE leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
HONE delivers a 4.6% return on equity — every $100 of shareholder capital generates $5 in annual profit, vs $1 for BFIN. BFIN carries lower financial leverage with a 0.25x debt-to-equity ratio, signaling a more conservative balance sheet compared to HONE's 0.90x. On the Piotroski fundamental quality scale (0–9), BFIN scores 7/9 vs HONE's 6/9, reflecting strong financial health.
| Metric | BFINBankFinancial Cor… | HONEHarborOne Bancorp… |
|---|---|---|
| ROE (TTM)Return on equity | +1.5% | +4.6% |
| ROA (TTM)Return on assets | +0.2% | +0.5% |
| ROICReturn on invested capital | +1.9% | +2.3% |
| ROCEReturn on capital employed | +2.3% | +3.5% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 6 |
| Debt / EquityFinancial leverage | 0.25x | 0.90x |
| Net DebtTotal debt minus cash | -$80M | $285M |
| Cash & Equiv.Liquid assets | $119M | $231M |
| Total DebtShort + long-term debt | $39M | $517M |
| Interest CoverageEBIT ÷ Interest expense | 0.09x | 0.24x |
HONE leads this category, winning 5 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
BFIN leads this category, winning 3 of 5 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in BFIN five years ago would be worth $13,064 today (with dividends reinvested), compared to $9,451 for HONE. Over the past 12 months, HONE leads with a +7.6% total return vs BFIN's -0.2%. The 3-year compound annual growth rate (CAGR) favors BFIN at 20.6% vs HONE's 16.7% — a key indicator of consistent wealth creation.
| Metric | BFINBankFinancial Cor… | HONEHarborOne Bancorp… |
|---|---|---|
| YTD ReturnYear-to-date | 0.0% | — |
| 1-Year ReturnPast 12 months | -0.2% | +7.6% |
| 3-Year ReturnCumulative with dividends | +75.6% | +58.9% |
| 5-Year ReturnCumulative with dividends | +30.6% | -5.5% |
| 10-Year ReturnCumulative with dividends | +23.9% | +88.3% |
| CAGR (3Y)Annualised 3-year return | +20.6% | +16.7% |
BFIN leads this category, winning 3 of 5 comparable metrics.
Risk & Volatility
BFIN leads this category, winning 2 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 HONE's 1.05 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. BFIN currently trades 92.6% from its 52-week high vs HONE's 84.7% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | BFINBankFinancial Cor… | HONEHarborOne Bancorp… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.60x | 1.05x |
| 52-Week HighHighest price in past year | $12.96 | $14.29 |
| 52-Week LowLowest price in past year | $10.69 | $10.57 |
| % of 52W HighCurrent price vs 52-week peak | +92.6% | +84.7% |
| RSI (14)Momentum oscillator 0–100 | 42.3 | 32.5 |
| Avg Volume (50D)Average daily shares traded | 0 | 0 |
BFIN leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Evenly matched — BFIN and HONE each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates BFIN as "Hold" and HONE as "Hold". For income investors, BFIN offers the higher dividend yield at 3.33% vs HONE's 2.61%.
| Metric | BFINBankFinancial Cor… | HONEHarborOne Bancorp… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Hold |
| Price TargetConsensus 12-month target | — | $14.00 |
| # AnalystsCovering analysts | 2 | 6 |
| Dividend YieldAnnual dividend ÷ price | +3.3% | +2.6% |
| Dividend StreakConsecutive years of raises | 0 | 5 |
| Dividend / ShareAnnual DPS | $0.40 | $0.32 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.1% | +4.1% |
Evenly matched — BFIN and HONE each lead in 1 of 2 comparable metrics.
Key Takeaway
BFIN leads in 3 of 6 categories (Income & Cash Flow, Total Returns). HONE leads in 2 (Valuation Metrics, Profitability & Efficiency). 1 tied.
Best OverallBankFinancial Corporation (BFIN)Leads 3 of 6 categories
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BFIN vs HONE: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is BFIN or HONE a better buy right now?
For growth investors, HarborOne Bancorp, Inc.
(HONE) is the stronger pick with 10. 7% revenue growth year-over-year, versus 4. 5% for BankFinancial Corporation (BFIN). HarborOne Bancorp, Inc. (HONE) offers the better valuation at 18. 3x trailing P/E (13. 3x 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 HONE?
On trailing P/E, HarborOne Bancorp, Inc.
(HONE) is the cheapest at 18. 3x versus BankFinancial Corporation at 36. 4x. On forward P/E, HarborOne Bancorp, Inc. is actually cheaper at 13. 3x.
03Which is the better long-term investment — BFIN or HONE?
Over the past 5 years, BankFinancial Corporation (BFIN) delivered a total return of +30.
6%, compared to -5. 5% for HarborOne Bancorp, Inc. (HONE). Over 10 years, the gap is even starker: HONE returned +88. 3% versus BFIN's +23. 9%. 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 HONE?
By beta (market sensitivity over 5 years), BankFinancial Corporation (BFIN) is the lower-risk stock at 0.
60β versus HarborOne Bancorp, Inc. 's 1. 05β — meaning HONE is approximately 74% more volatile than BFIN relative to the S&P 500. On balance sheet safety, BankFinancial Corporation (BFIN) carries a lower debt/equity ratio of 25% versus 90% for HarborOne Bancorp, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — BFIN or HONE?
By revenue growth (latest reported year), HarborOne Bancorp, Inc.
(HONE) is pulling ahead at 10. 7% versus 4. 5% for BankFinancial Corporation (BFIN). On earnings-per-share growth, the picture is similar: HarborOne Bancorp, Inc. grew EPS 78. 4% 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 HONE?
HarborOne Bancorp, Inc.
(HONE) is the more profitable company, earning 8. 7% net margin versus 5. 5% for BankFinancial Corporation — meaning it keeps 8. 7% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: HONE leads at 10. 9% 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 HONE more undervalued right now?
On forward earnings alone, HarborOne Bancorp, Inc.
(HONE) trades at 13. 3x forward P/E versus 15. 2x for BankFinancial Corporation — 1. 9x cheaper on a one-year earnings basis.
08Which pays a better dividend — BFIN or HONE?
All stocks in this comparison pay dividends.
BankFinancial Corporation (BFIN) offers the highest yield at 3. 3%, versus 2. 6% for HarborOne Bancorp, Inc. (HONE).
09Is BFIN or HONE better for a retirement portfolio?
For long-horizon retirement investors, BankFinancial Corporation (BFIN) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.
60), 3. 3% yield). Both have compounded well over 10 years (BFIN: +23. 9%, HONE: +88. 3%), 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 HONE?
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; HONE is a small-cap quality compounder 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% · HONE: 10.7%)Net Margin>
%
(BFIN: 5.5% · HONE: 8.7%)P/E Ratio<
x
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