BankFinancial Corporation (BFIN) 10-Year Financial Performance & Capital Metrics

BFIN • • Banking & Credit

Financial ServicesRegional BanksCommunity & Regional Retail BankingMidwest Community Banks

AboutBankFinancial 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.Show more

Net Interest Income $48M -6.5%
Total Revenue $74M +4.5%
Net Income $4M -56.6%
Return on Equity 2.61% -57.3%
Net Interest Margin 3.38% -3.1%
Efficiency Ratio 59.43% -3.4%
ROA 0.28% -54.5%
Equity / Assets 10.9% +4.3%
Book Value per Share 12.55 +1.9%
Tangible BV/Share 12.55 +1.9%
Debt/Equity 0.25 -13.9%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong Piotroski F-Score: 7/9
✓Well capitalized: 10.9% equity/assets
✓Healthy dividend yield of 3.3%
✓Trading at only 1.0x book value

✗Weaknesses

✗Profits declining 19.0% over 5 years
✗Dividend payout exceeds 100% of earnings

Price & Volume

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Growth Metrics

Revenue CAGR

10Y2.84%

5Y0.77%

3Y12.49%

TTM-

Profit (Net Income) CAGR

10Y-20.54%

5Y-18.99%

3Y-18.08%

TTM-70.73%

EPS CAGR

10Y-16.53%

5Y-15.14%

3Y-14.61%

TTM-70.13%

ROCE

10Y Avg6.29%

5Y Avg5.68%

3Y Avg5.38%

Latest2.27%

Peer Comparison

Midwest Community Banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
TFSLTFS Financial Corporation	3.97B	14.13	44.16	4.37%	11.49%	4.41%	1.15%	2.57
ASBAssociated Banc-Corp	4.43B	26.70	37.08	4.42%	5.85%	3.62%	12.08%	0.69
ASBAAssociated Banc-Corp	4.11B	24.78	30.98	-6.56%	12.92%	3.77%	13.02%	0.17
BANFBancFirst Corporation	3.81B	114.30	17.75	12.28%	23.81%	13.33%	5.89%	0.05
SYBTStock Yards Bancorp, Inc.	2.03B	68.83	17.69	15.84%	22.86%	12.99%	6.56%	0.53
PRKPark National Corporation	2.63B	163.76	17.57	14.4%	23.46%	13.22%	6.44%	0.24
NICNicolet Bankshares, Inc.	1.97B	133.08	16.53	24.6%	23.88%	11.4%	5.95%	0.14
LKFNLakeland Financial Corporation	1.52B	59.47	16.38	9.38%	21.74%	13.06%	6.18%

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	46.15M	46.96M	50.09M	52.07M	52.19M	45.89M	43.77M	50.81M	51.83M	48.44M
NII Growth %	-0%	0.02%	0.07%	0.04%	0%	-0.12%	-0.05%	0.16%	0.02%	-0.07%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	48.96M	50.93M	56.18M	61.29M	65.41M	52.88M	46.57M	55.3M	66.16M	68.57M
Interest Expense	2.81M	3.97M	6.09M	9.22M	13.22M	6.99M	2.79M	4.48M	14.33M	20.13M
Loan Loss Provision	-3.21M	-239K	-87K	145K	3.83M	55K	-1.24M	1.83M	313K	5.03M
Non-Interest Income+	6.83M	6.66M	6.41M	14.78M	6.17M	5.37M	5.69M	5.98M	5.01M	5.81M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	55.79M	57.59M	62.59M	76.07M	71.58M	58.24M	52.26M	61.27M	71.17M	74.38M
Revenue Growth %	-0.01%	0.03%	0.09%	0.22%	-0.06%	-0.19%	-0.1%	0.17%	0.16%	0.05%
Non-Interest Expense	42.09M	41.65M	40.39M	40.66M	38.64M	38.44M	40.94M	41.13M	43.77M	44.2M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	14.1M	12.2M	16.19M	26.05M	15.9M	12.76M	9.76M	13.84M	12.75M	5.02M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	0.52%	-0.13%	0.33%	0.61%	-0.39%	-0.2%	-0.24%	0.42%	-0.08%	-0.61%
Pretax Income+	14.1M	12.2M	16.19M	26.05M	15.9M	12.76M	9.76M	13.84M	12.75M	5.02M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	5.42M	4.7M	7.19M	6.71M	4.22M	3.6M	2.35M	3.34M	3.36M	948K
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	8.68M	7.5M	9M	19.34M	11.67M	9.16M	7.41M	10.49M	9.39M	4.07M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	-0.79%	-0.14%	0.2%	1.15%	-0.4%	-0.21%	-0.19%	0.42%	-0.1%	-0.57%
Net Income (Continuing)	8.68M	7.5M	9M	19.34M	11.67M	9.16M	7.41M	10.49M	9.39M	4.07M
EPS (Diluted)+	0.44	0.39	0.49	1.11	0.75	0.61	0.53	0.80	0.74	0.33
EPS Growth %	-0.78%	-0.11%	0.26%	1.27%	-0.32%	-0.19%	-0.13%	0.51%	-0.07%	-0.55%
EPS (Basic)	0.44	0.40	0.49	1.11	0.75	0.61	0.53	0.80	0.74	0.33
Diluted Shares Outstanding	19.72M	19.24M	18.38M	17.43M	15.6M	14.95M	14.03M	13.07M	12.62M	12.46M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	59.38M	96.68M	127.59M	98.2M	190.32M	503.5M	502.16M	66.77M	208M	118.98M
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	1.35B	1.42B	1.41B	1.41B	1.23B	1.03B	1.13B	1.44B	1.2B	1.25B
Investments Growth %	0.04%	0.05%	-0%	-0%	-0.13%	-0.16%	0.1%	0.27%	-0.16%	0.04%
Long-Term Investments	1.23B	1.31B	1.32B	1.32B	1.17B	1B	1.04B	1.23B	1.05B	952.28M
Accounts Receivables	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	0	0	0	0	0	0	0	0	0	0
Intangible Assets	1.3M	782K	286K	102K	41K	7K	0	0	0	0
PP&E (Net)	32.73M	31.41M	24.86M	25.2M	24.35M	24.68M	25.04M	24.96M	22.95M	22.89M
Other Assets	41.1M	44.2M	41.94M	38.66M	36.67M	35.58M	36.17M	33.82M	39.9M	34.66M
Total Current Assets	178.36M	208.28M	225.59M	191.34M	255.08M	531.27M	592.5M	284.45M	368.74M	421.22M
Total Non-Current Assets	1.33B	1.41B	1.4B	1.39B	1.23B	1.07B	1.11B	1.29B	1.12B	1.01B
Total Assets+	1.51B	1.62B	1.63B	1.59B	1.49B	1.6B	1.7B	1.58B	1.49B	1.43B
Asset Growth %	0.03%	0.07%	0%	-0.02%	-0.06%	0.07%	0.07%	-0.07%	-0.06%	-0.04%
Return on Assets (ROA)	0.01%	0%	0.01%	0.01%	0.01%	0.01%	0%	0.01%	0.01%	0%
Accounts Payable	11.31M	13.76M	15.46M	14.11M	18.6M	17.7M	22.2M	20.22M	0	0
Total Debt+	64.32M	51.07M	60.77M	21.05M	61K	8M	24.59M	19.63M	44.68M	38.74M
Net Debt	4.94M	-45.62M	-66.82M	-77.16M	-190.26M	-495.5M	-477.57M	-47.14M	-163.32M	-80.25M
Long-Term Debt	64.32M	51.07M	60.77M	21.05M	61K	4M	19.59M	19.63M	44.68M	38.74M
Short-Term Debt	0	0	0	0	0	4M	5M	0	0	0
Other Liabilities	11.53M	11.04M	11.64M	10.53M	10.22M	4.67M	7.99M	8.98M	25.7M	22.16M
Total Current Liabilities	1.22B	1.35B	1.36B	1.37B	1.3B	1.42B	1.52B	1.4B	1.26B	1.22B
Total Non-Current Liabilities	75.85M	62.11M	72.41M	31.58M	10.28M	8.67M	27.58M	28.61M	70.38M	60.9M
Total Liabilities	1.3B	1.42B	1.43B	1.4B	1.31B	1.42B	1.54B	1.42B	1.33B	1.28B
Total Equity+	212.36M	204.78M	197.63M	187.15M	174.37M	172.93M	157.47M	151.67M	155.38M	156.38M
Equity Growth %	-0.02%	-0.04%	-0.03%	-0.05%	-0.07%	-0.01%	-0.09%	-0.04%	0.02%	0.01%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.04%	0.04%	0.04%	0.1%	0.06%	0.05%	0.04%	0.07%	0.06%	0.03%
Book Value per Share	10.77	10.65	10.76	10.73	11.18	11.57	11.22	11.60	12.31	12.55
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	203K	192K	179K	165K	153K	148K	132K	127K	125K	125K
Additional Paid-in Capital	184.8M	173.05M	153.81M	130.55M	112.42M	107.81M	90.71M	85.85M	83.46M	83.3M
Retained Earnings	36.11M	39.48M	43.27M	56.17M	61.57M	64.75M	66.55M	71.81M	74.43M	73.51M
Accumulated OCI	547K	376K	370K	271K	226K	213K	80K	-6.11M	-2.63M	-562K
Treasury Stock	0	0	0	0	0	0	0	0	0	0
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	14.88M	18.94M	22.73M	20.68M	21.37M	13.52M	7.77M	9.29M	9.22M	7.56M
Operating CF Growth %	-0.17%	0.27%	0.2%	-0.09%	0.03%	-0.37%	-0.43%	0.2%	-0.01%	-0.18%
Net Income	8.68M	7.5M	9M	19.34M	11.67M	9.16M	7.41M	10.49M	9.39M	4.07M
Depreciation & Amortization	4.37M	4.41M	4.39M	1.81M	1.76M	1.79M	2.07M	1.26M	1.54M	163K
Deferred Taxes	0	0	0	0	0	0	0	0	0	0
Other Non-Cash Items	-3.45M	-459K	1.69M	-6.64M	3.53M	509K	-871K	619K	1.82M	6.46M
Working Capital Changes	3.39M	5.05M	7.64M	6.17M	4.41M	2.05M	-843K	-3.08M	-3.53M	-3.13M
Cash from Investing+	-53.61M	-77.02M	14.4M	8.06M	184.18M	199.07M	-101.13M	-316.77M	197.92M	-46.14M
Purchase of Investments	-60.74M	-65.62M	-65.13M	-113.61M	-83.08M	-44.11M	-79.12M	-136.07M	-18.15M	-525.93M
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	0	0	0	0	0	0	0	0	0
Other Investing	-59.12M	-83.59M	1.82M	1.05M	153.34M	164.74M	-41.68M	-182.66M	144.54M	154.06M
Cash from Financing+	38.53M	95.39M	-6.23M	-58.13M	-113.43M	100.58M	92.03M	-127.91M	-95.43M	-55.08M
Dividends Paid	-4.14M	-4.13M	-5.15M	-6.45M	-6.27M	-5.98M	-5.62M	-5.23M	-5.06M	-4.99M
Share Repurchases	-9.97M	-13.21M	-10.82M	-23.28M	-18.14M	-4.61M	-17.12M	-4.87M	-2.39M	-156K
Stock Issued	0	0	0	0	0	0	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	-1000K	1000K	-1000K	-1000K	1000K	1000K	-1000K	1000K	-1000K
Other Financing	1.25M	125.98M	46K	11.32M	-68.04M	107.23M	93.77M	-112.82M	-112.98M	-44.03M
Net Change in Cash+	-204K	37.31M	30.91M	-29.39M	92.12M	313.17M	-1.33M	-435.39M	111.71M	-93.66M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	59.58M	59.38M	96.68M	127.59M	98.2M	190.32M	503.5M	502.16M	66.77M	178.48M
Cash at End	59.38M	96.68M	127.59M	98.2M	190.32M	503.5M	502.16M	66.77M	178.48M	84.83M
Interest Paid	2.84M	3.91M	6.04M	9.07M	13.45M	7.04M	2.71M	4.47M	14.08M	20.13M
Income Taxes Paid	363K	289K	427K	342K	349K	191K	3.42M	3.52M	3.29M	1.97M
Free Cash Flow+	14.34M	18.25M	21.6M	19.08M	20.58M	11.51M	5.43M	7.35M	7.35M	5.47M
FCF Growth %	-0.14%	0.27%	0.18%	-0.12%	0.08%	-0.44%	-0.53%	0.35%	-0%	-0.26%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	4.05%	3.6%	4.47%	10.05%	6.46%	5.28%	4.49%	6.79%	6.12%	2.61%
Return on Assets (ROA)	0.58%	0.48%	0.55%	1.2%	0.76%	0.59%	0.45%	0.64%	0.61%	0.28%
Net Interest Margin	3.05%	2.9%	3.08%	3.28%	3.51%	2.87%	2.57%	3.23%	3.48%	3.38%
Efficiency Ratio	75.43%	72.33%	64.54%	53.45%	53.98%	66%	78.35%	67.12%	61.51%	59.43%
Equity / Assets	14.04%	12.64%	12.16%	11.81%	11.72%	10.83%	9.26%	9.63%	10.45%	10.9%
Book Value / Share	10.77	10.65	10.76	10.73	11.18	11.57	11.22	11.6	12.31	12.55
NII Growth	-0.33%	1.76%	6.67%	3.95%	0.23%	-12.08%	-4.61%	16.09%	2%	-6.54%
Dividend Payout	47.78%	55.09%	57.23%	33.34%	53.68%	65.28%	75.83%	49.85%	53.83%	122.42%

Revenue by Segment

	2018	2019	2023	2024
Deposit Account	-	-	3.32M	3.43M
Deposit Account Growth	-	-	-	3.47%
Bank Servicing	-	-	1.28M	1.56M
Bank Servicing Growth	-	-	-	21.72%
Credit and Debit Card	1.5M	1.5M	-	-
Credit and Debit Card Growth	-	0.00%	-	-

Frequently Asked Questions

Valuation & Price

BankFinancial Corporation (BFIN) has a price-to-earnings (P/E) ratio of 36.4x. This suggests investors expect higher future growth.

Growth & Financials

BankFinancial Corporation (BFIN) grew revenue by 4.5% over the past year. Growth has been modest.

Yes, BankFinancial Corporation (BFIN) is profitable, generating $2.3M in net income for fiscal year 2024 (5.5% net margin).

Dividend & Returns

Yes, BankFinancial Corporation (BFIN) pays a dividend with a yield of 3.33%. This makes it attractive for income-focused investors.

BankFinancial Corporation (BFIN) has a return on equity (ROE) of 2.6%. This is below average, suggesting room for improvement.

Industry Metrics

BankFinancial Corporation (BFIN) has a net interest margin (NIM) of 3.4%. This indicates healthy earnings from lending activities.

BankFinancial Corporation (BFIN) has an efficiency ratio of 59.4%. This is reasonable for a bank.

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