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BankFinancial Corporation BFIN NASDAQ

NASDAQ Global Select • Financial Services • Banks - Regional • US • USD

SharesGrow Score

SharesGrow Intrinsic Value

Negative cash flow

BankFinancial Corporation (BFIN) is a Banks - Regional company in the Financial Services sector, currently trading at $12.00. It has a SharesGrow Score of 46/100, indicating a mixed investment profile with 1 out of 7 criteria passed.

Financials: revenue is $74M, +12.6%/yr average growth. Net income is $4M, growing at -8.5%/yr. Net profit margin is 5.5% (thin). Gross margin is 66.2% (-30.8 pp trend).

Balance sheet: total debt is $39M against $156M equity (Debt-to-Equity (D/E) ratio 0.25, conservative). Current ratio is 0.35 (tight liquidity). Debt-to-assets is 2.7%. Total assets: $1.4B.

Analyst outlook: 0 / 2 analysts rate BFIN as buy (0%) — mixed sentiment.

SharesGrow 7-Criteria breakdown: Value 40/100 (Partial), Growth 48/100 (Partial), Past 100/100 (Pass), Health 33/100 (Fail), Moat 35/100 (Fail), Future 20/100 (Fail), Income 45/100 (Partial).

BFIN SharesGrow Score Overview

46/100

SharesGrow Score

Mixed signals — some strengths

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VALUE 40/100

Valuation — P/E, PEG, Forward PEG

GROWTH 48/100

Financials — average growth

PAST 100/100

strong — trend

HEALTH 33/100

Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is

MOAT 35/100

Gross margin is + market cap

FUTURE 20/100

Analyst outlook — as buy

INCOME 45/100

Net profit margin is

Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — BFIN

BFIN trades at a trailing Price-to-Earnings (P/E) of N/A (S&P 500 average ~25). Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.

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BFIN: +12.6%/yr revenue is, -8.5%/yr Net income is average growth. mixed. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.

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BFIN: 4 / 4 years profitable. strong — 100%. Score = 4 / 4 × 100. ≥ 80 = Pass.

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Balance sheet BFIN: Debt-to-Equity (D/E) ratio 0.25 (conservative), Current ratio is 0.35 (tight liquidity). Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.

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BFIN: Gross margin is 66.2% (-30.8 pp trend), N/A market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 35/100. ≥ 70 = Pass.

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Analyst outlook: 0 / 2 analysts rate BFIN as buy (0%). Score: 60% buy consensus + 40% upside. ≥ 60 = Pass.

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BFIN: Net profit margin is 5.5%. thin (5-15%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.

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Stock Chart & Stats

Market Data

52-Week Range10.69-13.58

Volume16.52K

Avg Volume (30D)39.34K

Market Cap$149.53M

Beta (1Y)0.34

Dividend Yield$0.3000

Share Statistics

EPS (TTM)0.33

Shares Outstanding$12.46M

IPO Date2005-06-28

Employees191

CEOF. Morgan Gasior

Financial Highlights & Ratios

Revenue (TTM)$74.38M

Gross Profit$49.22M

EBITDA$5.18M

Net Income$4.07M

Operating Income$5.02M

Total Cash$414.82M

Total Debt$38.74M

Net Debt$-80.25M

Total Assets$1.43B

Price / Earnings (P/E)36.4

Price / Sales (P/S)2.01

Analyst Forecast

Rating ConsensusHold

Analysts Covering2

Buy 0% Hold 100% Sell 0%

Company Info

CountryUS

ExchangeNASDAQ Global Select

CurrencyUSD

ISINUS06643P1049

Price Chart

BFIN

BankFinancial Corporation ↗ · NASDAQ Global Select

Financial Services • Banks - Regional

10.69 52WK RANGE 13.58

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