BankFinancial Corporation (BFIN) Earnings History
Annual and quarterly earnings data from 2004 to 2024
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BFIN EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
BFIN Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2024 | 66.2% | 6.8% | 5.5% |
| 2023 | 79.4% | 17.9% | 13.2% |
| 2022 | 89.7% | 22.6% | 17.1% |
| 2021 | 97.0% | 18.7% | 14.2% |
| 2020 | 87.9% | 21.9% | 15.7% |
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BankFinancial Corporation (BFIN) Earnings Overview
As of May 8, 2026, BankFinancial Corporation (BFIN) reported trailing twelve-month net income of $2M, reflecting -55.4% year-over-year growth. The company earned $0.19 per diluted share over the past four quarters, with a net profit margin of 5.5%.
Looking at the long-term picture, BFIN's 5-year EPS compound annual growth rate (CAGR) stands at -15.1%, signaling declining earnings. The company achieved its highest annual net income of $41M in fiscal 2014.
BankFinancial Corporation maintains positive profitability with a gross margin of 66.2%, operating margin of 6.8%, and net margin of 5.5%. The company continues to generate positive earnings from operations. View revenue history →
Compared to peers including NECB ($44M net income, 28.2% margin), HONE ($26M net income, 8.7% margin), NBTB ($169M net income, 19.5% margin), BFIN has room to improve margins relative to the peer group. Compare BFIN vs NECB →
BFIN Earnings vs Peers
Earnings metrics vs comparable public companies
BFIN Historical Earnings Data (2004–2024)
21 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2024 | $4M | -56.6% | $5M | $0.33 | 5.5% | 6.8% |
| 2023 | $9M | -10.5% | $13M | $0.74 | 13.2% | 17.9% |
| 2022 | $10M | +41.6% | $14M | $0.80 | 17.1% | 22.6% |
| 2021 | $7M | -19.1% | $10M | $0.53 | 14.2% | 18.7% |
| 2020 | $9M | -21.5% | $13M | $0.61 | 15.7% | 21.9% |
| 2019 | $12M | -39.7% | $16M | $0.75 | 16.3% | 22.2% |
| 2018 | $19M | +114.8% | $26M | $1.11 | 25.4% | 34.2% |
| 2017 | $9M | +20.0% | $16M | $0.49 | 14.4% | 25.9% |
| 2016 | $8M | -13.5% | $12M | $0.39 | 13.0% | 21.2% |
| 2015 | $9M | -78.6% | $14M | $0.44 | 15.5% | 25.3% |
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Start ComparisonBFIN — Frequently Asked Questions
Quick answers to the most common questions about buying BFIN stock.
Is BFIN growing earnings?
BFIN EPS fell to $0.19, with earnings declining -55.4%. This contrasts with the 5-year CAGR of -15.1%. TTM net income dropped to $2M.
What are BFIN's profit margins?
BankFinancial Corporation net margin is +5.5%, with operating margin at +6.8%. Margins sit within typical range for the sector.
How consistent are BFIN's earnings?
BFIN earnings data spans 2004-2024. The declining earnings trend is -55.4% YoY. Historical data enables comparison across business cycles.