Price (delayed)
$11.68
Market cap
$145.54M
P/E Ratio
17.7
Dividend/share
$0.4
EPS
$0.66
Enterprise value
$12.89M
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
The company's equity rose by 3.4% YoY
BFIN's debt is up by 7% since the previous quarter but it is down by 3.1% year-on-year
BFIN's net income is down by 29% YoY and by 2.1% from the previous quarter
BFIN's P/E is 28% above its last 4 quarters average of 13.8 and 19% above its 5-year quarterly average of 14.9
Key stats
What are the main financial stats of BFIN
Market
Valuations
Earnings
Shares outstanding
12.46M
Market cap
$145.54M
Enterprise value
$12.89M
Price to earnings (P/E)
17.7
Price to book (P/B)
0.92
Price to sales (P/S)
2.61
EV/EBIT
1.15
EV/EBITDA
1
EV/Sales
0.23
Revenue
$55.75M
EBIT
$11.18M
EBITDA
$12.89M
Free cash flow
$7.8M
Per share
Balance sheet
Liquidity
EPS
$0.66
Free cash flow per share
$0.63
Book value per share
$12.64
Revenue per share
$4.47
TBVPS
$118.59
Total assets
$1.48B
Total liabilities
$1.32B
Debt
$54.04M
Equity
$157.48M
Working capital
N/A
Debt to equity
0.34
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-10.29
Margins
Efficiency
Dividend
EBITDA margin
23.1%
Gross margin
100%
Net margin
14.9%
Operating margin
20.1%
Return on assets
0.6%
Return on equity
5.3%
Return on invested capital
0.8%
Return on capital employed
N/A
Return on sales
20.1%
Dividend yield
3.42%
DPS
$0.4
Payout ratio
60.6%
BFIN stock price
How has the BankFinancial stock price performed over time
Intraday
-1.27%
1 week
4.19%
1 month
-3.39%
1 year
33.94%
YTD
13.84%
QTD
13.51%
Financial performance
How have BankFinancial's revenue and profit performed over time
Revenue
$55.75M
Gross profit
$55.75M
Operating income
$11.18M
Net income
$8.29M
Gross margin
100%
Net margin
14.9%
BFIN's net income is down by 29% YoY and by 2.1% from the previous quarter
BankFinancial's operating income has decreased by 28% YoY and by 2.7% from the previous quarter
BFIN's net margin is down by 26% year-on-year
BFIN's operating margin is down by 25% year-on-year
Growth
What is BankFinancial's growth rate over time
Valuation
What is BankFinancial stock price valuation
P/E
17.7
P/B
0.92
P/S
2.61
EV/EBIT
1.15
EV/EBITDA
1
EV/Sales
0.23
BFIN's P/E is 28% above its last 4 quarters average of 13.8 and 19% above its 5-year quarterly average of 14.9
The EPS has contracted by 27% YoY
BFIN's P/B is 15% above its 5-year quarterly average of 0.8 and 15% above its last 4 quarters average of 0.8
The company's equity rose by 3.4% YoY
BFIN's P/S is 19% above its last 4 quarters average of 2.2
BankFinancial's revenue has decreased by 3.3% YoY
Efficiency
How efficient is BankFinancial business performance
The return on equity has declined by 30% year-on-year and by 3.6% since the previous quarter
The ROS has contracted by 25% YoY
BankFinancial's ROIC has decreased by 20% YoY
BankFinancial's ROA has decreased by 14% YoY
Dividends
What is BFIN's dividend history
DPS
$0.4
Dividend yield
3.42%
Payout ratio
60.6%
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 12% more than its total liabilities
BFIN's total liabilities is down by 3.9% year-on-year
BankFinancial's total assets has decreased by 3.2% YoY
BFIN's debt is 66% smaller than its equity
BFIN's debt to equity is down by 8% YoY but it is up by 3% QoQ
BFIN's debt is up by 7% since the previous quarter but it is down by 3.1% year-on-year
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.