Last 46 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
BankFinancial Corporation's quarterly P/E stands at 15.8x, down 16.8% year-over-year — suggesting improving earnings relative to price.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 36.36 | 15.83 | — | 18.59 | — | 19.03 | 15.13 | 18.75 | 15.09 | 11.34 | 11.36 | 10.42 | 9.75 |
| — | -16.8% | — | -0.9% | — | +67.8% | +33.2% | +80.0% | +54.8% | +19.9% | -8.0% | -59.8% | -34.2% | |
| P/S Ratio | 2.01 | 2.03 | 1.99 | 2.20 | 2.16 | 2.06 | 1.69 | 1.74 | 1.73 | 1.49 | 1.49 | 1.63 | 1.94 |
| — | -1.5% | +17.7% | +26.1% | +25.2% | +38.1% | +13.9% | +6.7% | -10.8% | -21.5% | -29.2% | -38.5% | -24.9% | |
| P/B Ratio | 0.96 | 0.95 | 0.92 | 1.00 | 1.01 | 0.95 | 0.81 | 0.84 | 0.83 | 0.71 | 0.68 | 0.73 | 0.89 |
| — | -0.1% | +13.5% | +19.2% | +22.5% | +35.3% | +19.7% | +14.8% | -7.5% | -13.8% | -15.2% | -17.8% | -0.6% | |
| P/FCF | 27.34 | — | 18.19 | — | 11.26 | 14.90 | — | — | 9.33 | 6.14 | 12.39 | — | 4.09 |
| — | — | — | — | +20.7% | +142.6% | — | — | +128.1% | -14.3% | +26.7% | — | -41.5% | |
| EV / EBITDA | 13.36 | — | — | 10.18 | — | 2.96 | -1.14 | 1.09 | -2.64 | -1.24 | 2.30 | 6.03 | 4.61 |
| — | — | — | +835.7% | — | +338.5% | -149.6% | -82.0% | -157.3% | +69.7% | +126.8% | +121.6% | +118.8% | |
| EV / EBIT | 13.80 | 7.38 | — | 1.24 | — | 2.93 | -1.30 | 1.29 | -3.06 | -1.41 | 2.61 | 6.40 | 4.79 |
| — | +151.6% | — | -3.9% | — | +307.7% | -149.7% | -79.8% | -163.8% | +67.0% | +127.2% | +117.7% | +116.4% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
BankFinancial Corporation's operating margin was 15.4% in Q3 2025, up 20.2 pp QoQ and up 1.4 pp YoY. The trailing four-quarter average of 2.6% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 7.3% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 66.2% | 73.9% | 60.7% | 74.8% | 47.1% | 68.9% | 73.8% | 74.3% | 74.1% | 77.5% | 82.5% | 84.1% | 83.9% |
| — | +7.3% | -17.8% | +0.7% | -36.4% | -11.1% | -10.5% | -11.7% | -11.6% | -15.4% | -10.1% | -9.4% | -13.2% | |
| Operating Margin | 6.8% | 15.4% | -4.8% | 14.0% | -14.2% | 14.0% | 15.0% | 11.8% | 15.4% | 18.0% | 18.1% | 20.4% | 26.4% |
| — | +9.7% | -132.3% | +19.2% | -192.4% | -22.3% | -17.0% | -42.3% | -41.6% | -31.4% | -19.7% | +58.6% | +25.2% | |
| Net Margin | 5.5% | 12.8% | -2.0% | 11.6% | -9.7% | 10.8% | 11.3% | 9.1% | 11.2% | 13.1% | 13.3% | 15.5% | 19.7% |
| — | +18.1% | -117.6% | +27.6% | -186.2% | -17.0% | -15.0% | -41.1% | -43.1% | -34.2% | -23.9% | +56.8% | +13.7% |
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 2.6% | 1.5% | -0.2% | 1.3% | -1.1% | 1.3% | 1.4% | 1.1% | 1.3% | 1.5% | 1.5% | 1.7% | 2.3% |
| — | +19.6% | -116.8% | +20.7% | -183.1% | -18.7% | -10.3% | -36.6% | -40.8% | -26.7% | -8.9% | +112.7% | +51.2% | |
| ROA | 0.3% | 0.2% | -0.0% | 0.1% | -0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.2% | 0.2% | 0.2% | 0.2% |
| — | +18.8% | -117.3% | +25.5% | -189.1% | -11.9% | -4.2% | -31.7% | -35.3% | -20.6% | -3.0% | +123.6% | +52.1% | |
| ROIC | 1.9% | 1.1% | -0.3% | 1.0% | -1.0% | 1.0% | 1.1% | 0.8% | 1.1% | 1.2% | 1.2% | 1.4% | 2.0% |
| — | +17.0% | -132.5% | +17.8% | -192.2% | -22.0% | -9.2% | -39.8% | -46.8% | -33.1% | -17.0% | +100.1% | +70.2% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
The current ratio has improved 41.1% YoY to 0.51x, strengthening the short-term liquidity position.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.25 | 0.18 | 0.21 | 0.21 | 0.25 | 0.24 | 0.28 | 0.28 | 0.29 | 0.29 | 0.29 | 0.36 | 0.13 |
| — | -26.2% | -23.2% | -24.6% | -13.9% | -16.2% | -5.3% | -21.9% | +122.1% | +123.7% | +130.4% | +124.4% | -17.1% | |
| Debt / EBITDA | 7.47 | — | — | 108.32 | — | 15.19 | 13.53 | 16.63 | 13.50 | 12.02 | 12.48 | 14.81 | 4.10 |
| — | — | — | +551.3% | — | +26.4% | +8.4% | +12.3% | +229.5% | +172.6% | +136.1% | +29.0% | -42.8% | |
| Current Ratio | 0.35 | 0.51 | 0.47 | 0.42 | 0.35 | 0.36 | 0.33 | 0.33 | 0.29 | 0.26 | 0.22 | 0.19 | 0.20 |
| — | +41.1% | +41.2% | +28.2% | +18.4% | +37.6% | +49.7% | +69.6% | +43.4% | -10.5% | -25.5% | -47.3% | -47.8% | |
| Quick Ratio | 0.35 | 0.51 | 0.47 | 0.42 | 0.35 | 0.36 | 0.33 | 0.33 | 0.29 | 0.26 | 0.22 | 0.19 | 0.20 |
| — | +41.1% | +41.2% | +28.2% | +18.4% | +37.6% | +49.7% | +69.6% | +43.4% | -10.5% | -25.5% | -47.3% | -47.8% | |
| Interest Coverage | 0.25 | 0.56 | -0.18 | 0.52 | -0.52 | 0.49 | 0.56 | 0.46 | 0.64 | 0.83 | 0.97 | 1.31 | 2.22 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 46 years · Updated daily
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BankFinancial Corporation's current P/E is 36.4x. The average P/E over the last 2 quarters is 17.2x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
BankFinancial Corporation's current operating margin is 6.8%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking BankFinancial Corporation's business trajectory between earnings reports.