Bankfinancial Stock Analysis
| BFIN Stock | USD 12.00 0.05 0.41% |
IPO Date 28th of June 2005 | 200 Day MA 11.8815 | 50 Day MA 11.8964 | Beta 0.342 |
BankFinancial has over 38.74 Million in debt which may indicate that it relies heavily on debt financing. At this time, BankFinancial's Short and Long Term Debt Total is very stable compared to the past year. As of the 31st of January 2026, Debt To Assets is likely to grow to 0.06, while Net Debt is likely to drop (75.8 M). With a high degree of financial leverage come high-interest payments, which usually reduce BankFinancial's Earnings Per Share (EPS).
Asset vs Debt
Equity vs Debt
BankFinancial's liquidity is one of the most fundamental aspects of both its future profitability and its ability to meet different types of ongoing financial obligations. BankFinancial's cash, liquid assets, total liabilities, and shareholder equity can be utilized to evaluate how much leverage the Company is using to sustain its current operations. For traders, higher-leverage indicators usually imply a higher risk to shareholders. In addition, it helps BankFinancial Stock's retail investors understand whether an upcoming fall or rise in the market will negatively affect BankFinancial's stakeholders.
For most companies, including BankFinancial, marketable securities, inventories, and receivables are the most common assets that could be converted to cash. However, for BankFinancial, the most critical issue when managing liquidity is ensuring that current assets are properly aligned with current liabilities. If they are not, BankFinancial's management will need to obtain alternative financing to ensure there are always enough cash equivalents on the balance sheet to meet obligations.
Price Book 0.9503 | Price Sales 3.216 | Shares Float 8.5 M | Dividend Share 0.4 | Wall Street Target Price 11.5 |
BankFinancial is overvalued with Real Value of 10.77 and Target Price of 11.5. The main objective of BankFinancial stock analysis is to determine its intrinsic value, which is an estimate of what BankFinancial is worth, separate from its market price. There are two main types of BankFinancial's stock analysis: fundamental analysis and technical analysis.
The BankFinancial stock is traded in the USA on NASDAQ Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. BankFinancial is usually not traded on Labour Day, Thanksgiving Day, Christmas Day, New Year 's Day, Dr . Martin Luther King Jr 's Birthday, Washington 's Birthday, Good Friday, Memorial Day, Juneteenth Holiday, Independence Day ( substitute day ), Independence Day. BankFinancial Stock trading window is adjusted to America/New York timezone.
BankFinancial | Build AI portfolio with BankFinancial Stock |
BankFinancial Stock Analysis Notes
About 67.0% of the company shares are held by institutions such as insurance companies. The company has price-to-book (P/B) ratio of 0.95. Some equities with similar Price to Book (P/B) outperform the market in the long run. BankFinancial last dividend was issued on the 14th of November 2025. 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. For more info on BankFinancial please contact Morgan Gasior at 800 894 6900 or go to https://www.bankfinancial.com.BankFinancial Investment Alerts
| BankFinancial is not yet fully synchronised with the market data | |
| About 67.0% of the company shares are held by institutions such as insurance companies |
BankFinancial Largest EPS Surprises
Earnings surprises can significantly impact BankFinancial's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2015-05-04 | 2015-03-31 | 0.09 | 0.1 | 0.01 | 11 | ||
2014-02-03 | 2013-12-31 | 0.06 | 0.07 | 0.01 | 16 | ||
2013-10-30 | 2013-09-30 | 0.04 | 0.05 | 0.01 | 25 |
BankFinancial Environmental, Social, and Governance (ESG) Scores
BankFinancial's ESG score is a quantitative measure that evaluates BankFinancial's performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of BankFinancial's operations that may have significant financial implications and affect BankFinancial's stock price as well as guide investors towards more socially responsible investments.
BankFinancial Stock Institutional Investors
| Shares | Northern Trust Corp | 2025-06-30 | 91.4 K | Bridgeway Capital Management, Llc | 2025-06-30 | 71.5 K | Susquehanna International Group, Llp | 2025-06-30 | 69 K | Creative Planning Inc | 2025-06-30 | 65.6 K | Round Hill Asset Management Inc | 2025-06-30 | 57.4 K | Hpm Partners Llc | 2025-06-30 | 56.3 K | American Century Companies Inc | 2025-06-30 | 46.8 K | Morgan Stanley - Brokerage Accounts | 2025-06-30 | 42.7 K | Charles Schwab Investment Management Inc | 2025-06-30 | 30.6 K | M3f, Inc. | 2025-06-30 | 1.1 M | Alliancebernstein L.p. | 2025-06-30 | 987 K |
BankFinancial Market Capitalization
The company currently falls under 'Small-Cap' category with a current market capitalization of 149.53 M.BankFinancial Profitablity
The company has Profit Margin (PM) of 0.05 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.22 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.22.| Last Reported | Projected for Next Year | ||
| Return On Capital Employed | 0.02 | 0.01 | |
| Return On Equity | 0.02 | 0.02 |
Management Efficiency
As of the 31st of January 2026, Return On Equity is likely to grow to 0.02, while Return On Tangible Assets are likely to drop 0. At this time, BankFinancial's Total Assets are very stable compared to the past year. As of the 31st of January 2026, Non Current Assets Total is likely to grow to about 1 B, while Other Assets are likely to drop about 1.2 B. BankFinancial's management efficiency ratios could be used to measure how well BankFinancial manages its routine affairs as well as how well it operates its assets and liabilities.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 11.29 | 8.38 | |
| Tangible Book Value Per Share | 11.29 | 8.00 | |
| Enterprise Value Over EBITDA | 17.31 | 17.49 | |
| Price Book Value Ratio | 1.16 | 1.54 | |
| Enterprise Value Multiple | 17.31 | 17.49 | |
| Price Fair Value | 1.16 | 1.54 | |
| Enterprise Value | 228.6 M | 240 M |
The operational strategies employed by BankFinancial management play a crucial role in its market positioning. Assessing these strategies alongside financial data helps us evaluate the stock's investment potential.
Operating Margin | Profit Margin | Forward Dividend Yield 0.0333 | Beta 0.342 | Return On Assets |
BankFinancial Insider Trading Activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific BankFinancial insiders, such as employees or executives, is commonly permitted as long as it does not rely on BankFinancial's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases BankFinancial insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
BankFinancial Outstanding Bonds
BankFinancial issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. BankFinancial uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most BankFinancial bonds can be classified according to their maturity, which is the date when BankFinancial has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
| MPLX LP 4125 Corp BondUS55336VAK61 | View | |
| Morgan Stanley 3971 Corp BondUS61744YAL20 | View |
BankFinancial Predictive Daily Indicators
BankFinancial intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of BankFinancial stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
BankFinancial Corporate Filings
13A | 21st of January 2026 An amended filing to the original Schedule 13G | ViewVerify |
| 12th of January 2026 Other Reports | ViewVerify | |
| 6th of January 2026 Other Reports | ViewVerify | |
8K | 2nd of January 2026 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
8K | 18th of December 2025 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
8K | 5th of December 2025 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
13A | 14th of November 2025 An amended filing to the original Schedule 13G | ViewVerify |
8K | 10th of November 2025 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
BankFinancial Bond Ratings
BankFinancial financial ratings play a critical role in determining how much BankFinancial have to pay to access credit markets, i.e., the amount of interest on their issued debt. The threshold between investment-grade and speculative-grade ratings has important market implications for BankFinancial's borrowing costs.| Piotroski F Score | 5 | Healthy | View |
| Beneish M Score | (2.56) | Unlikely Manipulator | View |
BankFinancial Debt to Cash Allocation
As BankFinancial follows its natural business cycle, the capital allocation decisions will not magically go away. BankFinancial's decision-makers have to determine if most of the cash flows will be poured back into or reinvested in the business, reserved for other projects beyond operational needs, or paid back to stakeholders and investors.
BankFinancial currently holds 38.74 M in liabilities with Debt to Equity (D/E) ratio of 6.12, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Note, when we think about BankFinancial's use of debt, we should always consider it together with its cash and equity.BankFinancial Total Assets Over Time
BankFinancial Assets Financed by Debt
The debt-to-assets ratio shows the degree to which BankFinancial uses debt to finance its assets. It includes both long-term and short-term borrowings maturing within one year. It also includes both tangible and intangible assets, such as goodwill.BankFinancial Debt Ratio | 6.0 |
BankFinancial Corporate Bonds Issued
BankFinancial Short Long Term Debt Total
Short Long Term Debt Total |
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About BankFinancial Stock Analysis
Stock analysis is the technique used by a trader or investor to examine and evaluate how BankFinancial prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling BankFinancial shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as BankFinancial. By using and applying BankFinancial Stock analysis, traders can create a robust methodology for identifying BankFinancial entry and exit points for their positions.
| Last Reported | Projected for Next Year | ||
| Pretax Profit Margin | 0.06 | 0.04 | |
| Operating Profit Margin | 0.06 | 0.04 | |
| Net Profit Margin | 0.05 | 0.04 | |
| Gross Profit Margin | 0.60 | 0.56 |
Current BankFinancial Analysis - Recommendations
We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. BankFinancial analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. BankFinancial analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
| Target Price | Advice | # of Analysts | |
| 11.5 | Buy | 2 | Odds |
Most BankFinancial analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand BankFinancial stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of BankFinancial, talking to its executives and customers, or listening to BankFinancial conference calls.
BankFinancial Stock Analysis Indicators
BankFinancial stock analysis indicators help investors evaluate how BankFinancial stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading BankFinancial shares will generate the highest return on investment. By understating and applying BankFinancial stock analysis, traders can identify BankFinancial position entry and exit signals to maximize returns.
| Begin Period Cash Flow | 178.5 M | |
| Long Term Debt | 38.7 M | |
| Common Stock Shares Outstanding | 12.5 M | |
| Total Stockholder Equity | 156.4 M | |
| Total Cashflows From Investing Activities | -46.1 M | |
| Tax Provision | 948 K | |
| Quarterly Earnings Growth Y O Y | 0.184 | |
| Property Plant And Equipment Net | 22.9 M | |
| Cash And Short Term Investments | 414.8 M | |
| Cash | 119 M | |
| Net Debt | -80.2 M | |
| 50 Day M A | 11.8964 | |
| Total Current Liabilities | 1.2 B | |
| Other Operating Expenses | 69.4 M | |
| Non Current Assets Total | 1 B | |
| Forward Price Earnings | 15.083 | |
| Non Currrent Assets Other | 34.7 M |
Check out Trending Equities to better understand how to build diversified portfolios. 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. You can also try the Portfolio Holdings module to check your current holdings and cash postion to detemine if your portfolio needs rebalancing.
Will Regional Banks sector continue expanding? Could BankFinancial diversify its offerings? Factors like these will boost the valuation of BankFinancial. Projected growth potential of BankFinancial fundamentally drives upward valuation adjustments. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every BankFinancial data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Quarterly Earnings Growth 0.184 | Dividend Share 0.4 | Earnings Share 0.19 | Revenue Per Share | Quarterly Revenue Growth 0.075 |
BankFinancial's market price often diverges from its book value, the accounting figure shown on BankFinancial's balance sheet. Smart investors calculate BankFinancial's intrinsic value—its true economic worth—which may differ significantly from both market price and book value. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. Since BankFinancial's trading price responds to investor sentiment, macroeconomic conditions, and market psychology, it can swing far from fundamental value.
It's important to distinguish between BankFinancial's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding BankFinancial should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. 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.