BankFinancial Corporation (BFIN) Financial Ratios
21 years of historical data (2004–2024) · Financial Services · Banks - Regional
EV/EBITDA
↑
13.36
↑+27% vs avg
5yr avg: 10.52
30Y Low0.8·High26.2
P/FCF
↑
27.34
↑+31% vs avg
5yr avg: 20.85
30Y Low6.2·High32.5
P/B Ratio
↑
0.96
+7% vs avg
5yr avg: 0.89
30Y Low0.5·High1.4
ROE
↓
2.6%
↑-48% vs avg
5yr avg: 5.1%
30Y Low-21%·High21%
Debt/EBITDA
↑
7.47
↑+157% vs avg
5yr avg: 2.91
30Y Low0.0·High26.0
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
BFIN Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
BankFinancial Corporation trades at 36.4x earnings, 82% above its 5-year average of 20.0x, sitting at the 60th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.3x, the stock trades at a premium of 173%. On a free-cash-flow basis, the stock trades at 27.3x P/FCF, 31% above the 5-year average of 20.9x.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $150M | $158M | $130M | $138M | $150M | $131M | $204M | $261M | $282M | $285M | $249M |
| Enterprise Value | $69M | $78M | $-33807020 | $91M | $-327861230 | $-364217440 | $14M | $183M | $215M | $239M | $254M |
| P/E Ratio → | 36.36 | 38.48 | 13.86 | 13.16 | 20.13 | 14.39 | 17.44 | 13.47 | 31.31 | 38.00 | 28.70 |
| P/S Ratio | 2.01 | 2.13 | 1.82 | 2.25 | 2.87 | 2.25 | 2.85 | 3.43 | 4.50 | 4.95 | 4.46 |
| P/B Ratio | 0.96 | 1.01 | 0.83 | 0.91 | 0.95 | 0.76 | 1.17 | 1.39 | 1.43 | 1.39 | 1.17 |
| P/FCF | 27.34 | 28.94 | 17.63 | 18.73 | 27.56 | 11.41 | 9.91 | 13.66 | 13.05 | 15.62 | 17.36 |
| P/OCF | 19.77 | 20.93 | 14.05 | 14.81 | 19.27 | 9.71 | 9.54 | 12.60 | 12.40 | 15.05 | 16.73 |
P/E links to full P/E history page with 30-year chart
BFIN EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
BankFinancial Corporation's enterprise value stands at 13.4x EBITDA, 27% above its 5-year average of 10.5x. The Financial Services sector median is 11.4x, placing the stock at a 17% premium on an enterprise-value basis.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 1.05 | -0.48 | 1.48 | -6.27 | -6.25 | 0.19 | 2.41 | 3.44 | 4.16 | 4.55 |
| EV / EBITDA | 13.36 | 15.05 | -2.37 | 6.00 | -27.71 | -25.03 | 0.78 | 6.59 | 10.45 | 14.42 | 13.75 |
| EV / EBIT | 13.80 | 15.49 | -2.65 | 6.54 | -33.60 | -28.54 | 0.86 | 7.07 | 13.28 | 19.63 | 18.01 |
| EV / FCF | — | 14.27 | -4.60 | 12.32 | -60.35 | -31.64 | 0.67 | 9.62 | 9.96 | 13.12 | 17.71 |
BFIN Profitability
Margins and return-on-capital ratios measuring operating efficiency
BankFinancial Corporation earns an operating margin of 6.8%, below the Financial Services sector average of 21.4%. Operating margins have compressed from 22.6% to 6.8% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 2.6% is modest, trailing the sector median of 9.5%. ROIC of 1.9% represents below-average returns on invested capital versus a sector median of 5.7%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 66.2% | 66.2% | 79.4% | 89.7% | 97.0% | 87.9% | 76.2% | 87.7% | 90.4% | 93.5% | 100.7% |
| Operating Margin | 6.8% | 6.8% | 17.9% | 22.6% | 18.7% | 21.9% | 22.2% | 34.2% | 25.9% | 21.2% | 25.3% |
| Net Profit Margin | 5.5% | 5.5% | 13.2% | 17.1% | 14.2% | 15.7% | 16.3% | 25.4% | 14.4% | 13.0% | 15.5% |
Return on Capital
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 2.6% | 2.6% | 6.1% | 6.8% | 4.5% | 5.3% | 6.5% | 10.1% | 4.5% | 3.6% | 4.0% |
| ROA | 0.3% | 0.3% | 0.6% | 0.6% | 0.4% | 0.6% | 0.8% | 1.2% | 0.6% | 0.5% | 0.6% |
| ROIC | 1.9% | 1.9% | 5.2% | 5.9% | 4.0% | 5.4% | 6.2% | 8.4% | 4.7% | 3.4% | 4.1% |
| ROCE | 2.3% | 2.3% | 6.3% | 7.6% | 5.3% | 7.0% | 7.9% | 10.7% | 6.0% | 4.4% | 5.5% |
BFIN Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
BankFinancial Corporation carries a Debt/EBITDA ratio of 7.5x, which is highly leveraged (81% above the sector average of 4.1x). The company holds a net cash position — cash of $119M exceeds total debt of $39M, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns. Interest coverage of just 0.2x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.25 | 0.25 | 0.29 | 0.13 | 0.16 | 0.05 | 0.00 | 0.11 | 0.31 | 0.25 | 0.30 |
| Debt / EBITDA | 7.47 | 7.47 | 3.13 | 1.30 | 2.08 | 0.55 | 0.00 | 0.76 | 2.95 | 3.07 | 3.48 |
| Net Debt / Equity | — | -0.51 | -1.05 | -0.31 | -3.03 | -2.87 | -1.09 | -0.41 | -0.34 | -0.22 | 0.02 |
| Net Debt / EBITDA | -15.48 | -15.48 | -11.43 | -3.12 | -40.37 | -34.05 | -10.78 | -2.77 | -3.25 | -2.75 | 0.27 |
| Debt / FCF | — | -14.67 | -22.23 | -6.41 | -87.90 | -43.05 | -9.25 | -4.04 | -3.09 | -2.50 | 0.34 |
| Interest Coverage | 0.25 | 0.25 | 0.89 | 3.09 | 3.49 | 1.83 | 1.20 | 2.83 | 2.66 | 3.07 | 5.01 |
Net cash position: cash ($119M) exceeds total debt ($39M)
BFIN Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.35x is below 1.0, meaning current liabilities exceed current assets. The current ratio has improved from 0.20x to 0.35x over the past 3 years.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.35 | 0.35 | 0.29 | 0.20 | 0.39 | 0.38 | 0.20 | 0.14 | 0.17 | 0.15 | 0.15 |
| Quick Ratio | 0.35 | 0.35 | 0.29 | 0.20 | 0.39 | 0.38 | 0.20 | 0.14 | 0.17 | 0.15 | 0.15 |
| Cash Ratio | 0.10 | 0.10 | 0.16 | 0.05 | 0.33 | 0.36 | 0.15 | 0.07 | 0.09 | 0.07 | 0.05 |
| Asset Turnover | — | 0.05 | 0.05 | 0.04 | 0.03 | 0.04 | 0.05 | 0.05 | 0.04 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
BFIN Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
BankFinancial Corporation returns 3.4% to shareholders annually — split between a 3.3% dividend yield and 0.1% buyback yield. The payout ratio exceeds 100% at 122.4%, meaning the company is paying out more than it earns — this level is unsustainable long-term without earnings recovery. The earnings yield of 2.8% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 3.3% | 3.2% | 3.9% | 3.8% | 3.8% | 4.6% | 3.1% | 2.5% | 1.8% | 1.4% | 1.7% |
| Payout Ratio | 122.4% | 122.4% | 53.8% | 49.8% | 75.8% | 65.3% | 53.7% | 33.3% | 57.2% | 55.1% | 47.8% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 2.8% | 2.6% | 7.2% | 7.6% | 5.0% | 6.9% | 5.7% | 7.4% | 3.2% | 2.6% | 3.5% |
| FCF Yield | 3.7% | 3.5% | 5.7% | 5.3% | 3.6% | 8.8% | 10.1% | 7.3% | 7.7% | 6.4% | 5.8% |
| Buyback Yield | 0.1% | 0.1% | 1.8% | 3.5% | 11.4% | 3.5% | 8.9% | 8.9% | 3.8% | 4.6% | 4.0% |
| Total Shareholder Yield | 3.4% | 3.2% | 5.8% | 7.3% | 15.2% | 8.1% | 12.0% | 11.4% | 5.7% | 6.1% | 5.7% |
| Shares Outstanding | — | $12M | $13M | $13M | $14M | $15M | $16M | $17M | $18M | $19M | $20M |
Peer Comparison
Compare BFIN with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 BFINYou | $150M | 36.4 | 13.4 | 27.3 | 66.2% | 6.8% | 2.6% | 1.9% | 7.5 |
 NECB | $334M | 7.4 | 5.2 | 6.6 | 66.1% | 39.6% | 13.3% | 12.5% | 1.2 |
 HONE | $522M | 18.3 | 20.8 | 200.7 | 50.9% | 10.9% | 4.7% | 2.3% | 13.3 |
 NBTB | $2B | 13.4 | 10.3 | 10.7 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 CFFN | $1B | 15.0 | 29.8 | 20.3 | 47.3% | 19.9% | 6.5% | 2.0% | 21.5 |
 KRNY | $511M | 19.3 | 44.6 | 23.9 | 44.1% | 9.0% | 3.5% | 1.1% | 35.0 |
 NWBI | $2B | 15.3 | 13.7 | 14.5 | 68.3% | 18.8% | 7.2% | 5.6% | 2.7 |
 TRST | $852M | 14.8 | 11.1 | 18.6 | 67.1% | 29.2% | 9.0% | 7.2% | 2.1 |
 BSVN | $410M | 9.6 | 2.9 | 8.9 | 70.2% | 41.4% | 18.6% | 18.3% | — |
 FHN | $12B | 13.2 | 11.7 | 19.1 | 67.3% | 25.7% | 10.8% | 7.0% | 3.4 |
 PFSI | $5B | 9.4 | 18.1 | — | 91.4% | 34.6% | 12.3% | 4.4% | 15.3 |
| Financial Services Median | — | 13.3 | 11.4 | 10.6 | 62.9% | 21.4% | 9.5% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 21 years · Updated daily
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Start ComparisonBFIN — Frequently Asked Questions
Quick answers to the most common questions about buying BFIN stock.
What is BankFinancial Corporation's P/E ratio?
BankFinancial Corporation's current P/E ratio is 36.4x. The historical average is 28.5x. This places it at the 60th percentile of its historical range.
What is BankFinancial Corporation's EV/EBITDA?
BankFinancial Corporation's current EV/EBITDA is 13.4x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 13.9x.
What is BankFinancial Corporation's ROE?
BankFinancial Corporation's return on equity (ROE) is 2.6%. The historical average is 2.1%.
Is BFIN stock overvalued?
Based on historical data, BankFinancial Corporation is trading at a P/E of 36.4x. This is at the 60th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is BankFinancial Corporation's dividend yield?
BankFinancial Corporation's current dividend yield is 3.33% with a payout ratio of 122.4%.
What are BankFinancial Corporation's profit margins?
BankFinancial Corporation has 66.2% gross margin and 6.8% operating margin.
How much debt does BankFinancial Corporation have?
BankFinancial Corporation's Debt/EBITDA ratio is 7.5x, indicating high leverage. A ratio above 4x may signal elevated financial risk.