BankFinancial Financials
BFIN Stock | USD 12.57 0.03 0.24% |
Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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Debt Equity Ratio | 0.27 | 0.2875 |
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Current Ratio | 97.03 | 70.44 |
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Investors should never underestimate BankFinancial's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor BankFinancial's cash flow, debt, and profitability to make informed and accurate decisions about investing in BankFinancial.
Net Income |
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BankFinancial | Select Account or Indicator |
Understanding current and past BankFinancial Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of BankFinancial's financial statements are interrelated, with each one affecting the others. For example, an increase in BankFinancial's assets may result in an increase in income on the income statement.
BankFinancial Stock Summary
BankFinancial competes with First Business, Old Point, Parke Bancorp, Community West, and Home Bancorp. BankFinancial Corporation operates as the bank holding company for BankFinancial, National Association that provides various commercial, family, and personal banking products and services. BankFinancial Corporation was founded in 1924 and is headquartered in Burr Ridge, Illinois. Bankfinancial Corp operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 200 people.Specialization | Financial Services, Banks - Regional |
Instrument | USA Stock View All |
Exchange | NASDAQ Exchange |
ISIN | US06643P1049 |
CUSIP | 06643P104 |
Location | Illinois; U.S.A |
Business Address | 60 North Frontage |
Sector | Banks |
Industry | Financials |
Benchmark | Dow Jones Industrial |
Website | www.bankfinancial.com |
Phone | 800 894 6900 |
Currency | USD - US Dollar |
BankFinancial Key Financial Ratios
Return On Equity | 0.0506 | |||
Profit Margin | 0.15 % | |||
Operating Margin | 0.22 % | |||
Price To Sales | 2.88 X | |||
Revenue | 55.93 M |
BankFinancial Key Balance Sheet Accounts
2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
Total Assets | 1.5B | 1.6B | 1.7B | 1.6B | 1.5B | 1.7B | |
Net Debt | (190.3M) | (499.5M) | (477.6M) | (47.1M) | (133.8M) | (127.1M) | |
Other Assets | 1.1B | 1.0B | 997.4M | 311.4M | 1.1B | 1.2B | |
Total Liab | 1.3B | 1.4B | 1.5B | 1.4B | 1.3B | 1.5B | |
Intangible Assets | 286K | 102K | 41K | 7K | 6.3K | 6.0K | |
Other Liab | 10.2M | 26.4M | 30.2M | 8.7M | 7.8M | 7.4M | |
Retained Earnings | 61.6M | 64.8M | 66.5M | 71.8M | 74.4M | 50.1M | |
Accounts Payable | 18.6M | 17.7M | 22.2M | 20.2M | 18.2M | 17.3M | |
Cash | 190.3M | 503.5M | 502.2M | 66.8M | 178.5M | 156.5M | |
Long Term Debt | 61K | 4M | 24.6M | 19.6M | 44.7M | 27.8M | |
Inventory | (195.1M) | (507.6M) | (507.5M) | 879.8M | (1.1B) | (1.0B) | |
Other Current Liab | (18.6M) | (34.4M) | (27.2M) | (20.2M) | 864.5M | 907.7M | |
Net Receivables | 4.6M | 3.9M | 4.6M | 7.3M | 7.5M | 4.8M | |
Other Current Assets | 195.1M | 507.6M | 507.5M | 74.6M | 189.3M | 179.9M | |
Total Current Assets | 255.1M | 531.3M | 592.5M | 1.2B | 178.5M | 169.6M | |
Common Stock | 153K | 148K | 132K | 127K | 125K | 152.4K | |
Short Term Debt | 967K | 4M | 5M | 1.2M | 31.1M | 21.6M | |
Net Tangible Assets | 174.4M | 172.9M | 157.5M | 151.7M | 136.5M | 147.3M | |
Capital Surpluse | 112.4M | 107.8M | 90.7M | 85.8M | 77.3M | 120.9M |
BankFinancial Key Income Statement Accounts
2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
Interest Expense | 13.2M | 7.0M | 2.8M | 4.5M | 14.3M | 13.5M | |
Total Revenue | 58.4M | 51.3M | 49.5M | 56.8M | 55.9M | 56.6M | |
Gross Profit | 58.4M | 51.3M | 49.5M | 56.8M | 55.9M | 56.6M | |
Operating Income | 15.9M | 12.8M | 9.8M | 18.3M | 12.7M | 15.4M | |
Ebit | 15.9M | 12.8M | 9.8M | 13.1M | 12.8M | 15.3M | |
Ebitda | 16.0M | 14.6M | 11.8M | 15.1M | 14.3M | 17.8M | |
Income Before Tax | 15.9M | 12.8M | 9.8M | 13.8M | 12.8M | 13.4M | |
Net Income | 11.7M | 9.2M | 7.4M | 10.5M | 9.4M | 9.9M | |
Income Tax Expense | 4.2M | 3.6M | 2.3M | 3.3M | 3.4M | 3.5M | |
Tax Provision | 4.2M | 3.6M | 2.3M | 3.3M | 3.4M | 3.6M | |
Net Interest Income | 52.2M | 45.9M | 43.8M | 50.8M | 51.8M | 53.7M | |
Interest Income | 65.4M | 52.9M | 46.6M | 55.3M | 66.2M | 61.6M |
BankFinancial Key Cash Accounts
2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
Change In Cash | 92.1M | 313.2M | (1.3M) | (435.4M) | 111.7M | 117.3M | |
Free Cash Flow | 20.6M | 11.5M | 5.4M | 7.3M | 8.0M | 11.8M | |
Depreciation | 1.8M | 1.8M | 2.1M | 1.3M | 1.5M | 1.5M | |
Other Non Cash Items | 3.7M | 515K | (871K) | 856K | 1.8M | 1.7M | |
Capital Expenditures | 1.6M | 798K | 2.0M | 1.9M | 1.2M | 1.3M | |
Net Income | 11.7M | 9.2M | 7.4M | 10.5M | 9.4M | 9.9M | |
End Period Cash Flow | 190.3M | 503.5M | 502.2M | 66.8M | 178.5M | 162.9M | |
Dividends Paid | 6.3M | 6.0M | 5.6M | 5.2M | 5.1M | 5.2M | |
Investments | 32.2M | 198.3M | (99.1M) | (317.1M) | 197.9M | 207.8M | |
Change Receivables | 389K | 622K | (703K) | (2.7M) | (2.4M) | (2.3M) | |
Net Borrowings | (21.0M) | 3.9M | 20.6M | (5M) | (4.5M) | (4.3M) | |
Change To Netincome | 6.0M | 1.1M | (1.4M) | 1.6M | 1.5M | 1.4M |
BankFinancial Financial Ratios Relationships
Comparative valuation techniques use various fundamental indicators to help in determining BankFinancial's current stock value. Our valuation model uses many indicators to compare BankFinancial value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across BankFinancial competition to find correlations between indicators driving BankFinancial's intrinsic value. More Info.BankFinancial is rated below average in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about 0.11 of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for BankFinancial is roughly 9.37 . At this time, BankFinancial's Return On Equity is very stable compared to the past year. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the BankFinancial's earnings, one of the primary drivers of an investment's value.BankFinancial Systematic Risk
BankFinancial's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. BankFinancial volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was thirty-six with a total number of output elements of twenty-five. The Beta measures systematic risk based on how returns on BankFinancial correlated with the market. If Beta is less than 0 BankFinancial generally moves in the opposite direction as compared to the market. If BankFinancial Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one BankFinancial is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of BankFinancial is generally in the same direction as the market. If Beta > 1 BankFinancial moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in BankFinancial Stock are looking for potential investment opportunities by analyzing not only static indicators but also various BankFinancial's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of BankFinancial growth as a starting point in their analysis.
Price Earnings To Growth Ratio |
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BankFinancial November 22, 2024 Opportunity Range
Along with financial statement analysis, the daily predictive indicators of BankFinancial help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of BankFinancial. We use our internally-developed statistical techniques to arrive at the intrinsic value of BankFinancial based on widely used predictive technical indicators. In general, we focus on analyzing BankFinancial Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build BankFinancial's daily price indicators and compare them against related drivers.
Downside Deviation | 1.74 | |||
Information Ratio | 4.0E-4 | |||
Maximum Drawdown | 9.17 | |||
Value At Risk | (2.83) | |||
Potential Upside | 3.32 |
Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in BankFinancial. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in gross domestic product. To learn how to invest in BankFinancial Stock, please use our How to Invest in BankFinancial guide.You can also try the Top Crypto Exchanges module to search and analyze digital assets across top global cryptocurrency exchanges.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of BankFinancial. If investors know BankFinancial will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about BankFinancial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0.15) | Dividend Share 0.4 | Earnings Share 0.63 | Revenue Per Share 4.355 | Quarterly Revenue Growth (0.10) |
The market value of BankFinancial is measured differently than its book value, which is the value of BankFinancial that is recorded on the company's balance sheet. Investors also form their own opinion of BankFinancial's value that differs from its market value or its book value, called intrinsic value, which is BankFinancial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because BankFinancial's market value can be influenced by many factors that don't directly affect BankFinancial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between BankFinancial's value and its price as these two are different measures arrived at by different means. Investors typically determine if BankFinancial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, BankFinancial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.