BFIN BankFinancial CORP
Price (delayed)
$12.9
Market cap
$160.74M
P/E Ratio
20.48
Dividend/share
$0.4
EPS
$0.63
Enterprise value
$47.4M
BankFinancial Corporation is the holding company for BankFinancial, NA, a national bank providing financial services to individuals, families and businesses through 19 full-service banking offices, located in Cook, DuPage, Lake
Highlights
BFIN's debt is down by 22% year-on-year and by 13% since the previous quarter
The company's equity rose by 3.5% YoY
BFIN's P/E is 36% above its 5-year quarterly average of 15.1 and 27% above its last 4 quarters average of 16.1
BFIN's net income is down by 26% YoY and by 4.5% from the previous quarter
Key stats
What are the main financial stats of BFIN
Market
Valuations
Earnings
Shares outstanding
12.46M
Market cap
$160.74M
Enterprise value
$47.4M
Price to earnings (P/E)
20.48
Price to book (P/B)
1.01
Price to sales (P/S)
2.96
EV/EBIT
4.52
EV/EBITDA
4.04
EV/Sales
0.87
Revenue
$54.35M
Gross profit
$54.35M
Operating income
$10.48M
Net income
$7.92M
EBIT
$10.48M
EBITDA
$11.72M
Free cash flow
$5.93M
Per share
Balance sheet
Liquidity
EPS
$0.63
EPS diluted
$0.63
Free cash flow per share
$0.48
Book value per share
$12.77
Revenue per share
$4.36
TBVPS
$113.77
Total assets
$1.42B
Total liabilities
$1.26B
Debt
$46.94M
Equity
$159.11M
Working capital
N/A
Debt to equity
0.3
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-9.67
Margins
Efficiency
Dividend
EBITDA margin
21.6%
Gross margin
100%
Net margin
14.6%
Operating margin
19.3%
Return on assets
0.5%
Return on equity
5%
Return on invested capital
0.8%
Return on capital employed
N/A
Return on sales
19.3%
Dividend yield
3.1%
DPS
$0.4
Payout ratio
63.5%
BFIN stock price
How has the BankFinancial stock price performed over time
Intraday
-0.08%
1 week
-2.42%
1 month
3.2%
1 year
27.47%
YTD
1.61%
QTD
1.61%
Financial performance
How have BankFinancial's revenue and profit performed over time
Revenue
$54.35M
Gross profit
$54.35M
Operating income
$10.48M
Net income
$7.92M
Gross margin
100%
Net margin
14.6%
BankFinancial's operating income has decreased by 28% YoY and by 6% from the previous quarter
BFIN's net income is down by 26% YoY and by 4.5% from the previous quarter
BFIN's operating margin is down by 24% year-on-year and by 4% since the previous quarter
BFIN's net margin is down by 23% year-on-year and by 2% since the previous quarter
Growth
What is BankFinancial's growth rate over time
Valuation
What is BankFinancial stock price valuation
P/E
20.48
P/B
1.01
P/S
2.96
EV/EBIT
4.52
EV/EBITDA
4.04
EV/Sales
0.87
BFIN's P/E is 36% above its 5-year quarterly average of 15.1 and 27% above its last 4 quarters average of 16.1
The EPS has contracted by 25% YoY and by 4.5% from the previous quarter
BFIN's P/B is 26% above its 5-year quarterly average of 0.8 and 12% above its last 4 quarters average of 0.9
The company's equity rose by 3.5% YoY
BFIN's P/S is 23% above its last 4 quarters average of 2.4 and 18% above its 5-year quarterly average of 2.5
BankFinancial's revenue has decreased by 4.4% YoY and by 2.5% QoQ
Efficiency
How efficient is BankFinancial business performance
BankFinancial's ROA has decreased by 29% YoY and by 17% from the previous quarter
The return on equity has declined by 29% year-on-year and by 6% since the previous quarter
The ROS has contracted by 24% YoY and by 4% from the previous quarter
BankFinancial's ROIC has decreased by 20% YoY
Dividends
What is BFIN's dividend history
DPS
$0.4
Dividend yield
3.1%
Payout ratio
63.5%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did BankFinancial financials performed over time
BankFinancial's total assets is 13% more than its total liabilities
BFIN's total liabilities is down by 7% year-on-year and by 4.7% since the previous quarter
BankFinancial's total assets has decreased by 6% YoY and by 4.1% from the previous quarter
BFIN's debt is 70% smaller than its equity
BFIN's debt to equity is down by 23% YoY and by 12% QoQ
BFIN's debt is down by 22% year-on-year and by 13% since the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.