Bankfinancial (BFIN) AI Stock Analysis

• Market Cap: $138.81M
• Dividend Yield: 3.62%
• 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: 2.40
• Enterprise Value/Gross Profit: 5.17
• Enterprise Value/Ebitda: -43.28
• 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: 58 Neutral
• Price Target: $12.50 ▲(9.55% Upside)

Bankfinancial's overall stock score is primarily influenced by its stable financial position and efficient cash management, despite challenges in revenue growth and operational efficiency. The technical indicators suggest a bearish trend, and the high P/E ratio indicates potential overvaluation, which weighs down the overall score.

Bankfinancial Business Overview & Revenue Model

Company Description

Bankfinancial (BFIN) is a financial institution that provides a wide range of banking and financial services to individuals, businesses, and institutions. Operating primarily in the retail banking and commercial banking sectors, Bankfinancial offers products such as savings and checking accounts, personal and business loans, mortgages, and investment services. The company is committed to delivering personalized financial solutions while maintaining a strong focus on customer service and community engagement.

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	70.98M	74.38M	71.17M	61.27M	52.26M	58.24M
Gross Profit	32.98M	49.22M	56.53M	54.96M	50.70M	51.20M
EBITDA	-3.94M	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	17.29M	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: Neutral
• Last Price: 11.41
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• 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 Neutral. The current price of 11.41 is above the 20-day moving average (MA) of 11.33, below the 50-day MA of 11.87, and below the 200-day MA of 11.97, indicating a neutral trend. The MACD of -0.15 indicates Negative momentum. The RSI at 47.64 is Neutral, neither overbought nor oversold. The STOCH value of 80.69 is Negative, 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
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
RMBI	68 Neutral	$137.42M	12.35	7.60%	4.35%	7.54%	25.25%
FNWD	62 Neutral	$144.36M	17.53	5.05%	1.39%	-7.07%	-29.17%
BFIN	58 Neutral	$138.81M	59.92	1.46%	3.62%	-2.62%	-70.70%
PNBK	55 Neutral	$137.99M	-0.13	-82.98%	―	-11.96%	-500.26%
BCBP	54 Neutral	$133.17M	161.04	0.86%	8.22%	-8.73%	-95.86%

Bankfinancial Corporate Events

BankFinancial Enters Merger Agreement with First Financial

On August 11, 2025, BankFinancial Corporation and First Financial Bancorp. entered into a Merger Agreement. As part of this agreement, BankFinancial amended the employment contracts of its executives, F. Morgan Gasior and Paul A. Cloutier. The amendments specify severance payments for both executives under certain conditions, with Gasior’s employment being terminated upon the merger’s completion, while Cloutier will receive his severance after September 30, 2026, provided he remains employed until then. Additionally, the severance payments will be adjusted to comply with tax regulations, and new non-competition restrictions have been introduced.

The most recent analyst rating on (BFIN) stock is a Hold with a $11.50 price target. To see the full list of analyst forecasts on Bankfinancial stock, see the BFIN Stock Forecast page.

BankFinancial Announces Merger with First Financial

On August 11, 2025, BankFinancial Corporation and First Financial Bancorp announced a merger agreement where BankFinancial will merge into First Financial, with the latter continuing as the surviving corporation. This strategic acquisition aims to expand First Financial’s presence in the Chicago market, adding 18 retail locations and enhancing its commercial banking capabilities. The transaction, valued at approximately $142 million, is expected to close in the fourth quarter of 2025, pending customary approvals and conditions. The merger is anticipated to be accretive to First Financial’s earnings per share and will integrate BankFinancial’s consumer, trust/wealth management, and selected commercial credit lines into First Financial’s business lines.

BankFinancial Releases Q2 2025 Financial Report

On August 6, 2025, BankFinancial Corporation filed its Quarterly Report for the second quarter ending June 30, 2025, highlighting financial performance over the past five quarters. The report indicates a challenging period with fluctuations in key financial ratios such as return on assets and equity, reflecting the company’s ongoing efforts to navigate market conditions and maintain stability. The release of these financial results provides stakeholders with insights into the company’s current financial health and strategic positioning within the industry.

BankFinancial Declares Cash Dividend for August 2025

On August 4, 2025, BankFinancial Corporation’s Board of Directors declared a cash dividend of $0.10 per common share, payable on August 29, 2025, to stockholders of record on August 15, 2025. The announcement indicates that future dividends will be evaluated based on regulatory requirements and other factors, potentially impacting the company’s financial strategy and shareholder returns.

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.