Bankfinancial (BFIN) AI Stock Analysis

• Market Cap: $144.92M
• Dividend Yield: 4.3%
• Average Volume (3M): 71.87K
• Price to Earnings (P/E): 32.6
• Beta (1Y): 0.37
• Revenue Growth: 0.83%
• EPS Growth: -47.11%
• Country: US
• Employees: 191
• Sector: Financial
• Sector Strength: 74
• Industry: Banks - Regional
• EPS (TTM): 0.36
• Shares Outstanding: 12,460,678
• 10 Day Avg. Volume: 37,205
• 30 Day Avg. Volume: 71,866
• 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: $12.50
• Price Target Upside: 7.48% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 0

• Rating: 68 Neutral
• Price Target: $13.00 ▲(11.78%Upside)

The most significant factor for Bankfinancial's score is its strong financial performance, which shows positive revenue growth and solid profit margins, despite some weaknesses in net income and leverage. Technical analysis presents a neutral outlook with no strong momentum signals. The valuation indicates potential overvaluation, but the attractive dividend yield may interest income-focused investors.

Bankfinancial Business Overview & Revenue Model

Company Description

BankFinancial Corporation (BFIN) is a publicly traded financial institution that operates primarily within the banking sector. The company offers a wide array of financial products and services, including personal and business banking, loans, mortgages, and investment services. BankFinancial focuses on serving both individual and commercial clients with a comprehensive suite of financial solutions tailored to meet their unique needs.

How the Company Makes Money

BankFinancial Corporation generates revenue through a variety of financial activities typically associated with banking institutions. The primary sources of income include interest earned on loans and mortgages extended to customers, which constitutes a significant portion of their revenue. Additionally, the company earns fees from various banking services such as account maintenance, transaction fees, and financial advisory services. Investment income from securities and other financial instruments also contributes to the company’s earnings. BankFinancial may engage in strategic partnerships with other financial entities to enhance service offerings and increase revenue streams.

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: Positive
• Last Price: 11.63
• 50DMA: Positive
• 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 Positive. The current price of 11.63 is below the 20-day moving average (MA) of 11.69, below the 50-day MA of 11.76, and below the 200-day MA of 12.22, indicating a neutral trend. The MACD of 0.02 indicates Negative momentum. The RSI at 52.01 is Neutral, neither overbought nor oversold. The STOCH value of 55.57 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	76 Outperform	$163.05M	12.95	8.37%	3.17%	16.21%	10.91%
PEBK	74 Outperform	$163.78M	9.62	12.69%	3.77%	6.08%	4.51%
CBFV	72 Outperform	$144.07M	14.93	7.97%	3.49%	20.82%	-48.08%
FCAP	68 Neutral	$130.32M	10.64	10.83%	3.68%	12.53%	2.45%
BFIN	68 Neutral	$144.92M	32.61	2.83%	4.30%	0.83%	-47.11%
HNVR	66 Neutral	$161.56M	17.16	4.93%	1.79%	28.86%	-20.64%
Sector *	58 Neutral	HK$92.20B	5.63	-3.20%	4.66%	5.50%	-56.25%

Bankfinancial Corporate Events

BankFinancial Appoints Benjamin Mackovak to Audit Committee

On July 15, 2025, BankFinancial Corporation’s Board of Directors appointed Benjamin Mackovak to the Audit Committee, replacing Glen Wherfel due to his retirement. This change reflects the company’s adherence to Nasdaq and SEC regulations, ensuring all Audit Committee members are independent directors.

The most recent analyst rating on (BFIN) stock is a Hold with a $11.00 price target. To see the full list of analyst forecasts on Bankfinancial stock, see the BFIN Stock Forecast page.

BankFinancial Prepares for Director Wherfel’s Retirement

The proxy statement for BankFinancial Corporation’s 2025 Annual Meeting omitted Director Glen Wherfel’s membership on the Audit Committee as of December 31, 2024. Director Wherfel will retire at the 2025 Annual Meeting, and the company plans to appoint a replacement to ensure the Audit Committee remains compliant with listing requirements.

The most recent analyst rating on (BFIN) stock is a Hold with a $11.00 price target. To see the full list of analyst forecasts on Bankfinancial stock, see the BFIN Stock Forecast page.