Bankfinancial (BFIN) AI Stock Analysis

• Market Cap: $138.81M
• Dividend Yield: 3.38%
• Average Volume (3M): 62.14K
• Price to Earnings (P/E): 59.9
• Beta (1Y): 0.41
• Revenue Growth: -2.62%
• EPS Growth: -70.70%
• Country: US
• Employees: 191
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.36
• Shares Outstanding: 12,460,678
• 10 Day Avg. Volume: 46,219
• 30 Day Avg. Volume: 62,139
• PEG Ratio: -0.70
• Price to Book (P/B): 1.01
• Price to Sales (P/S): 2.13
• P/FCF Ratio: 28.94
• Enterprise Value/Market Cap: 1.23
• Enterprise Value/Revenue: 2.34
• Enterprise Value/Gross Profit: 3.66
• Enterprise Value/Ebitda: -20.67
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 54 Neutral
• Price Target: $11.00 ▼(-8.94% Downside)

Bankfinancial's overall score is primarily impacted by its stable financial structure but is weighed down by declining profitability margins and cash flow challenges. The technical analysis indicates bearish trends, and the high P/E ratio suggests overvaluation, though the dividend yield offers some appeal.

Positive Factors

Stable Financial Position

Bankfinancial's low leverage indicates prudent financial management, providing a buffer against economic downturns and allowing for strategic investments.

Efficient Cash Management

Strong free cash flow growth enhances Bankfinancial's ability to reinvest in the business, pay dividends, or reduce debt, supporting long-term financial health.

Gross Profit Margin

A stable gross profit margin suggests effective cost controls, allowing Bankfinancial to maintain profitability even when revenue growth is challenged.

Negative Factors

Declining Revenue Growth

Declining revenue growth could limit Bankfinancial's ability to expand and invest in new opportunities, impacting long-term competitiveness.

Negative EBITDA Margin

A negative EBITDA margin indicates operational challenges, which may hinder profitability and require strategic adjustments to improve efficiency.

Low Return on Equity

Low ROE may indicate that Bankfinancial is not effectively using shareholder funds to generate profits, potentially impacting investor confidence and future capital raising.

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 generates revenue through multiple streams, primarily from interest income on loans and mortgages, which constitutes a significant portion of its earnings. The bank charges interest on various types of loans, including personal loans, business loans, and home mortgages, which are typically higher than the interest paid on customer deposits. Additionally, Bankfinancial earns fees from services such as account maintenance, ATM usage, and transaction fees, which contribute to its non-interest income. The bank may also engage in investment banking activities and wealth management services, providing advisory services and earning commissions on investment products. Strategic partnerships with fintech companies and other financial service providers may enhance its product offerings and attract new customers, further boosting its revenue. Overall, Bankfinancial's diverse revenue model is supported by its broad range of financial products and services tailored to meet the needs of its customers.

Bankfinancial Financial Statement Overview

Summary

Bankfinancial demonstrates a stable financial position with low leverage and efficient cash management. However, the company faces challenges in revenue growth and operational efficiency, as indicated by declining revenue and negative EBITDA margins.

Income Statement

Bankfinancial's income statement shows a mixed performance. The TTM data indicates a decline in revenue growth rate at -1.15%, suggesting challenges in revenue generation. However, the company maintains a stable gross profit margin of approximately 66%, indicating efficient cost management. The net profit margin is modest at 6.05%, reflecting moderate profitability. The EBIT margin is relatively low at 7.27%, and the EBITDA margin is negative, highlighting potential operational inefficiencies or high non-cash expenses.

Balance Sheet

The balance sheet reflects a stable financial position with a debt-to-equity ratio of 0.21, indicating low leverage and prudent financial management. The return on equity (ROE) is modest at 2.82%, suggesting limited profitability relative to shareholder equity. The equity ratio is not explicitly calculated, but the company's low debt levels imply a strong equity position.

Cash Flow

Cash flow analysis reveals a positive trajectory with a significant free cash flow growth rate of 46.93% in the TTM period, indicating improved cash generation capabilities. The operating cash flow to net income ratio is low at 0.56%, suggesting potential challenges in converting income to cash. However, the free cash flow to net income ratio is healthy at 71.81%, reflecting efficient cash management.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	72.71M	74.38M	71.17M	61.27M	52.26M	58.24M
Gross Profit	46.61M	49.22M	56.53M	54.96M	50.70M	51.20M
EBITDA	-8.25M	5.18M	14.29M	15.10M	11.83M	14.55M
Net Income	2.32M	4.07M	9.39M	10.49M	7.41M	9.16M
Balance Sheet
Total Assets	1.45B	1.43B	1.49B	1.58B	1.70B	1.60B
Cash, Cash Equivalents and Short-Term Investments	632.09M	414.82M	361.20M	277.11M	587.86M	527.33M
Total Debt	28.27M	38.74M	44.68M	19.63M	24.59M	8.00M
Total Liabilities	1.30B	1.28B	1.33B	1.42B	1.54B	1.42B
Stockholders Equity	157.35M	156.38M	155.38M	151.67M	157.47M	172.93M
Cash Flow
Free Cash Flow	2.68M	5.47M	7.35M	7.35M	5.43M	11.51M
Operating Cash Flow	3.44M	7.56M	9.22M	9.29M	7.77M	13.52M
Investing Cash Flow	-92.36M	-46.14M	197.92M	-316.77M	-101.13M	199.07M
Financing Cash Flow	33.39M	-55.08M	-95.43M	-127.91M	92.03M	100.58M

Bankfinancial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 12.08
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

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 12.08 is above the 20-day moving average (MA) of 11.44, above the 50-day MA of 11.55, and above the 200-day MA of 11.77, indicating a bullish trend. The MACD of 0.13 indicates Negative momentum. The RSI at 65.90 is Neutral, neither overbought nor oversold. The STOCH value of 92.18 is Negative, 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
FNWD	74 Outperform	$164.64M	19.95	5.05%	1.20%	-7.20%	-29.17%
RMBI	68 Neutral	$141.81M	12.75	7.60%	4.24%	7.54%	25.25%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
PNBK	55 Neutral	$137.99M	-0.13	-35.87%	―	-11.99%	63.64%
BFIN	54 Neutral	$138.81M	59.92	1.46%	3.38%	-2.62%	-70.70%
BCBP	54 Neutral	$138.00M	166.88	0.86%	7.94%	-8.73%	-95.86%

Bankfinancial Corporate Events

Bankfinancial Amends Executive Agreement Amid Merger Plans

On November 7, 2025, BankFinancial Corporation and First Financial Bancorp. announced an amendment to the employment agreement with Gregg T. Adams, President of the Marketing & Sales Division, in connection with their merger agreement dated August 11, 2025. The amendment outlines severance payment conditions for Mr. Adams, contingent on his continued employment through September 30, 2026, with adjustments to avoid excess parachute payments under tax regulations.

The most recent analyst rating on (BFIN) stock is a Hold with a $12.50 price target. To see the full list of analyst forecasts on Bankfinancial stock, see the BFIN Stock Forecast page.

BankFinancial Declares Cash Dividend for Shareholders

On October 30, 2025, BankFinancial Corporation’s Board of Directors declared a cash dividend of $0.10 per common share, payable on November 28, 2025, to stockholders of record on November 14, 2025. The Board will evaluate future dividends considering regulatory requirements and other factors, impacting the company’s financial strategies and stakeholder interests.

The most recent analyst rating on (BFIN) stock is a Hold with a $12.50 price target. To see the full list of analyst forecasts on Bankfinancial stock, see the BFIN Stock Forecast page.

BankFinancial Releases Q3 2025 Quarterly Report

On October 30, 2025, BankFinancial Corporation released its Quarterly Report for the third quarter ending September 30, 2025, along with a financial and statistical supplement covering the latest five quarters. The report highlights the company’s financial performance, including metrics such as return on assets and equity, net interest margin, and efficiency ratio. The data indicates a mixed performance with fluctuations in key financial indicators, reflecting the company’s ongoing adjustments in a dynamic market environment.

The most recent analyst rating on (BFIN) stock is a Hold with a $12.50 price target. To see the full list of analyst forecasts on Bankfinancial stock, see the BFIN Stock Forecast page.