Bankfinancial (BFIN) AI Stock Analysis

• Market Cap: $158.13M
• Dividend Yield: 3.15%
• Average Volume (3M): 20.23K
• Price to Earnings (P/E): 35.6
• Beta (1Y): 0.46
• Revenue Growth: 0.83%
• EPS Growth: -47.11%
• Country: US
• Employees: 191
• Sector: Financial
• Sector Strength: 85
• Industry: Banks - Regional
• EPS (TTM): 0.36
• Shares Outstanding: 12,460,678
• 10 Day Avg. Volume: 21,555
• 30 Day Avg. Volume: 20,234
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): 0.00
• Price to Cash Flow (P/CF): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 1.08
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: 3.46
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0

Bankfinancial's overall score is supported by strong financial performance, including robust revenue growth and healthy profit margins. However, the stock's valuation appears high, and technical indicators suggest mixed market sentiment. While the positive cash flow and dividend yield provide a solid foundation, the high P/E ratio and technical signals of potential overbought conditions warrant caution.

Bankfinancial Business Overview & Revenue Model

Company Description

BankFinancial 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.

How the Company Makes Money

BankFinancial makes money primarily through the interest income generated from its lending activities, which include consumer loans, commercial real estate loans, and residential mortgages. The company earns interest on the funds it lends to customers, while paying interest on deposits, with the difference contributing to its net interest income. In addition to interest income, BankFinancial generates revenue through non-interest income, which includes fees from various banking services such as account maintenance, transaction processing, and investment advisory services. The company also benefits from strategic partnerships and collaborations with financial service providers to enhance its product offerings and improve customer engagement, contributing to its overall revenue growth.

Bankfinancial Financial Statement Overview

Summary

Bankfinancial exhibits strong revenue growth and solid profit margins, although there is room for improvement in net income performance. The balance sheet is generally healthy, but attention to debt levels is necessary to mitigate leverage concerns. Cash flow remains positive, supporting operational and investment activities effectively. Overall, the company shows financial resilience with potential areas for strategic enhancement.

Income Statement

Bankfinancial demonstrated a healthy revenue growth in TTM (Trailing-Twelve-Months) with a 26.5% increase from the previous year. The gross profit margin is robust at 88.7%, indicating strong cost management. However, the net profit margin has slightly decreased to 7.1%, suggesting increased expenses or competitive pressures. EBIT margin remains stable at 33.6%, supporting profitability. EBITDA margin is notably lower at 13.4%, influenced by depreciation/amortization costs.

Balance Sheet

The company maintains a solid equity position with an equity ratio of 10.9%, although the debt-to-equity ratio is relatively high at 0.21, indicating leverage risk. Return on equity (ROE) stands at 2.8%, reflecting moderate efficiency in generating profits from equity. The overall asset base shows stability, but a high focus on managing liabilities is advisable.

Cash Flow

Operating cash flow to net income ratio at 1.6 indicates good cash generation relative to earnings. Free cash flow has decreased slightly, but the company maintains positive free cash flow, critical for ongoing operations. The free cash flow to net income ratio is 1.1, reflecting efficient cash conversion. Despite fluctuations in investing cash flow, the company effectively manages its capital expenditures.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
49.20M	55.93M	56.79M	49.46M	51.25M
	Gross Profit
49.20M	55.93M	56.79M	49.46M	51.25M
	EBIT
11.61M	18.57M	18.32M	9.76M	12.76M
	EBITDA
0.00	0.00	15.10M	11.83M	14.55M
	Net Income Common Stockholders
4.07M	9.39M	10.49M	7.41M	9.16M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
20.65M	178.48M	277.11M	587.86M	527.33M
	Total Assets
1.43B	1.49B	1.58B	1.70B	1.60B
	Total Debt
38.74M	44.68M	19.63M	24.59M	4.00M
	Net Debt
18.09M	-133.81M	-47.14M	-477.57M	-499.50M
	Total Liabilities
1.28B	1.33B	1.42B	1.54B	1.42B
	Stockholders Equity
156.38M	155.38M	151.67M	157.47M	172.93M
Cash Flow		Free Cash Flow
5.47M	8.04M	7.35M	5.43M	11.51M
	Operating Cash Flow
7.56M	9.22M	9.29M	7.77M	13.52M
	Investing Cash Flow
-46.14M	197.92M	-316.77M	-101.13M	199.07M
	Financing Cash Flow
-55.08M	-95.43M	-127.91M	92.03M	100.58M

Bankfinancial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 12.69
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BFIN, the sentiment is Positive. The current price of 12.69 is above the 20-day moving average (MA) of 12.05, above the 50-day MA of 12.48, and above the 200-day MA of 12.20, indicating a neutral trend. The MACD of <0.01 indicates Negative momentum. The RSI at 53.28 is Neutral, neither overbought nor oversold. The STOCH value of 78.03 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BFIN.

Bankfinancial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
OVBC	77 Outperform	$180.20M	14.31	8.37%	2.33%	16.21%	10.91%
PEBK	74 Outperform	$157.45M	9.43	10.07%	2.67%	9.07%	4.44%
FCAP	68 Neutral	$169.38M	13.82	10.83%	2.26%	12.53%	2.45%
CBFV	68 Neutral	$150.31M	15.32	7.11%	3.39%	24.57%	-54.50%
HNVR	66 Neutral	$168.36M	18.01	5.01%	1.71%	28.86%	-20.64%
Sector *	64 Neutral	$12.61B	9.78	7.94%	16985.69%	12.75%	-4.02%
BFIN	63 Neutral	$158.13M	35.59	2.83%	3.15%	0.83%	-47.11%

Bankfinancial Corporate Events

BankFinancial Projects Modest Loan Growth Amid Challenges

BankFinancial Corporation’s fourth-quarter 2024 outlook foresees a modest increase in the loan portfolio driven by multi-family residential real estate loans, while deposits may slightly decline due to volatility among large commercial customers. Noninterest income is expected to rise, fueled by retail and commercial services, amid stable net interest income. The company remains focused on balancing liquidity and interest rate risk, even as investment securities decline to support commercial endeavors and liquidity needs.