Bankfinancial (BFIN) AI Stock Analysis

• Market Cap: $145.67M
• Dividend Yield: 3.46%
• Average Volume (3M): 62.09K
• Price to Earnings (P/E): 32.8
• Beta (1Y): 0.37
• Revenue Growth: 0.83%
• EPS Growth: -47.11%
• Country: US
• Employees: 191
• Sector: Financial
• Sector Strength: 79
• Industry: Banks - Regional
• EPS (TTM): 0.36
• Shares Outstanding: 12,460,678
• 10 Day Avg. Volume: 153,012
• 30 Day Avg. Volume: 62,086
• PEG Ratio: 3.58
• Price to Book (P/B): 0.92
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 29.06
• Enterprise Value/Market Cap: >-0.01
• Enterprise Value/Revenue: >-0.01
• Enterprise Value/Gross Profit: >-0.01
• Enterprise Value/Ebitda: >-0.01
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0

• Rating: 64 Neutral
• Price Target: $12.50 ▲(8.04%Upside)

The overall stock score reflects a blend of solid financial performance and bearish technical indicators. Financial resilience is a key strength, driven by strong revenue growth and positive cash flow management. Conversely, technical analysis highlights bearish market momentum, warranting caution. Valuation metrics suggest potential overvaluation, balanced by a reasonable dividend yield.

Bankfinancial Business Overview & Revenue Model

Company Description

BankFinancial Corporation (BFIN) is a full-service bank holding company that operates primarily through its subsidiary, BankFinancial, N.A. Headquartered in Burr Ridge, Illinois, the company provides a wide range of financial services to individuals, businesses, and institutional clients. Its core offerings include personal and commercial banking services, such as checking and savings accounts, loans, and treasury management solutions. Additionally, BankFinancial offers wealth management and trust services to assist clients in managing and growing their financial assets.

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	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	73.51M	74.38M	71.17M	61.27M	52.26M	58.24M
Gross Profit	48.67M	49.22M	56.53M	54.96M	50.70M	51.20M
EBITDA	2.86M	5.18M	14.29M	15.10M	11.83M	14.55M
Net Income	4.44M	4.07M	9.39M	10.49M	7.41M	9.16M
Balance Sheet
Total Assets	1.44B	1.43B	1.49B	1.58B	1.70B	1.60B
Cash, Cash Equivalents and Short-Term Investments	511.93M	414.82M	361.20M	277.11M	587.86M	527.33M
Total Debt	33.25M	38.74M	44.68M	19.63M	24.59M	8.00M
Total Liabilities	1.28B	1.28B	1.33B	1.42B	1.54B	1.42B
Stockholders Equity	157.50M	156.38M	155.38M	151.67M	157.47M	172.93M
Cash Flow
Free Cash Flow	4.98M	5.47M	7.35M	7.35M	5.43M	11.51M
Operating Cash Flow	6.94M	7.56M	9.22M	9.29M	7.77M	13.52M
Investing Cash Flow	55.23M	-46.14M	197.92M	-316.77M	-101.13M	199.07M
Financing Cash Flow	-41.78M	-55.08M	-95.43M	-127.91M	92.03M	100.58M

Bankfinancial Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 11.57
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• 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 Neutral. The current price of 11.57 is above the 20-day moving average (MA) of 11.56, below the 50-day MA of 11.88, and below the 200-day MA of 12.20, indicating a neutral trend. The MACD of -0.11 indicates Negative momentum. The RSI at 50.95 is Neutral, neither overbought nor oversold. The STOCH value of 47.37 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for BFIN.

Bankfinancial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PEBK	75 Outperform	$158.71M	9.50	11.21%	2.77%	9.07%	4.44%
OVBC	72 Outperform	$157.87M	12.54	8.37%	2.85%	16.21%	10.91%
CBFV	71 Outperform	$144.24M	14.94	7.11%	3.51%	24.57%	-54.50%
FCAP	68 Neutral	$146.83M	11.98	10.83%	2.81%	12.53%	2.45%
HNVR	66 Neutral	$169.30M	17.98	4.99%	1.75%	28.86%	-20.64%
BFIN	64 Neutral	$145.67M	32.78	2.83%	3.46%	0.83%	-47.11%
Sector *	58 Neutral	$12.54B	5.84	-2.71%	5.27%	5.88%	-56.03%

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.