BankFinancial Corporation (BFIN) Earnings History
Earnings Pressure21 years of earnings data (2004–2024) · 5-year EPS trend is negative
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BankFinancial Corporation (BFIN) Earnings Overview
As of June 23, 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% |
| 2014 | $41M | +1131.5% | $9M | $2.01 | 72.3% | 16.5% |
| 2013 | $3M | +112.2% | $3M | $0.16 | 5.7% | 5.7% |
| 2012 | -$27M | +44.3% | -$27M | $-1.36 | -39.3% | -39.3% |
| 2011 | -$49M | -1030.6% | -$36M | $-2.46 | -62.3% | -46.5% |
| 2010 | -$4M | -483.6% | -$7M | $-0.22 | -5.9% | -9.7% |
| 2009 | $-738,000 | +96.2% | $-751,000 | $-0.04 | -0.9% | -0.9% |
| 2008 | -$19M | -371.0% | -$31M | $-0.98 | -22.3% | -36.1% |
| 2007 | $7M | -28.8% | $10M | $0.35 | 7.0% | 10.0% |
| 2006 | $10M | -9.3% | $15M | $0.45 | 9.6% | 14.2% |
| 2005 | $11M | +660.0% | $15M | $0.29 | 12.5% | 17.3% |
| 2004 | $1M | - | $1M | $0.06 | 1.9% | 1.6% |
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BFIN — Frequently Asked Questions
Quick answers to the most common questions about buying BFIN stock.
What is BFIN earnings per share (EPS)?
BFIN trailing twelve-month (TTM) diluted EPS is $0.19, reflecting -55.4% year-over-year growth. The 5-year EPS CAGR is -15.1%. Complete EPS history from 2004 to 2024 is available in the table on this page.
What is BankFinancial Corporation's net income?
BankFinancial Corporation (BFIN) trailing twelve-month net income is $2M as of 2024. Earnings declined -55.4% year-over-year. BankFinancial Corporation has been profitable for 12 consecutive years.
Is BFIN profitable?
Yes, BFIN is profitable with a TTM net income of $2M and a net profit margin of +5.5%. BankFinancial Corporation has generated profits for 12 consecutive years.
What is BFIN's earnings growth rate?
BFIN compound annual EPS growth rates (CAGR): 1-Year: -55.4%, 3-Year: -14.6%, 5-Year: -15.1%, 10-Year: -16.5%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2004 to 2024.
What are BFIN's profit margins?
BankFinancial Corporation net profit margin is +5.5%, operating margin is +6.8%, and gross margin is +66.2%. Margins are within a typical range for the sector. Return on Equity is +2.6%.
Is BFIN growing earnings?
BFIN earnings are declining — EPS fell -55.4% year-over-year. TTM net income dropped to $2M. This contrasts with the 5-year CAGR of -15.1%.
What was BFIN's best earnings year?
BankFinancial Corporation's highest annual net income on record is $41M, achieved in fiscal year 2014. Earnings history on this page spans 2004 to 2024 and includes all annual and quarterly figures.
What were BFIN's earnings last quarter?
BFIN's most recent reported quarter was Q3 2025. Net income was $2M with diluted EPS of $0.19. For a full breakdown of all quarters, see the quarterly earnings table on this page.