BankFinancial Corporation

NASDAQ
BFIN
Stock
Yield per half year: -10.91%
Dividend yield: 3.22%
Sector: Financials

Reporting BankFinancial Corporation

Capitalization

2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 LTM Average for 5 years CAGR 5
Capitalization, bln $
0.2453 0.2393 0.2738 0.2752 0.2207 0.131 0.1502 0.1318 0.1158 0.1096 0.1499 -12.10
Revenue, bln $
0.0536 0.0566 0.0669 0.0584 0.0513 0.0495 0.0568 0.0559 0.0492 0.0492 0.0525 -0.83
Net profit, bln $
0.0075 0.009 0.0193 0.0117 0.0092 0.0074 0.0105 0.0094 0.0041 0.0041 0.0081 -14.93
EV, bln $
0.2448 0.2677 0.1945 0.0108 -0.3682 -0.3284 0.0823 0.0013 0.1732 0.1732 -0.0880 -186.00
EBIT, bln $
0.0207 0.0201 0.0262 0.0353 0.0291 0.0197 0.0126 0.0131 0.0128 -0.003 0.0175 -15.15
EBITDA, bln $
0.0185 0.0166 0.0206 0.0296 0.0177 0.0145 0.0118 0.0151 0.0143 -0.000865 0.0147 -4.18
OIBDA $
0.0181 0.0142 0.0229 0.0235 0.0197 6.74
Book value, bln $
0.2048 0.1976 0.1872 0.1744 0.1729 0.1575 0.1517 0.1554 0.1564 0.1564 0.1588 -1.99
FCF, bln $
0.0182 0.0216 0.0191 0.0206 0.0115 0.0054 0.0073 0.008 0.0055 0.0055 0.0075 -13.72
Operating Cash Flow, bln $
0.0189 0.0227 0.0207 0.0214 0.0135 0.0078 0.0093 0.0092 0.0076 0.0076 0.0095 -10.86
Operating profit, bln $
0.0122 0.0162 0.026 0.0159 0.0128 0.0098 0.0183 0.0186 0.0116 0.0116 0.0142 -1.95
Operating expenses, bln $
0.045 0.046 0.05 0.056 0.0401 0.0013 0.0013 0.0374 0.0376 0.0376 0.0235 -1.28
CAPEX, bln $
0.000696 0.0011 0.0016 0.000798 0.002 0.0023 0.0019 0.0012 0.0021 0.0021 0.0019 0.98


Balance sheet

2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 LTM Average for 5 years CAGR 5
Cash, bln $
0.0967 0.1276 0.0982 0.1903 0.5035 0.5022 0.0668 0.1785 0.0206 0.0206 0.2543 -47.23
Short-Term Investments $
0.1072 0.0934 0.0882 0.0602 0.0238 0.0857 0.2103 0.1827 0.2958 0.2958 0.1597 65.53
Long-Term Investments $
0.0414 0.0331 0.1072 0.0057 0.0882 0.0602 1 0.0857 0.2103 0.1827 0.3078 24.86
Accounts Receivable $
0.0044 0.0046 0.005 0.0046 0.0039 0.0046 0.0073 0.0075 0.0064 0.0064 0.0059 10.41
Total Current Assets $
1.48 1.51 1.47 0.2551 0.5313 0.5925 1.24 0.1785 0.0206 0.0206 0.5126 -47.80
Net assets, bln $
0.0327 0.0314 0.0249 1.47 0.2551 0.5313 0.5925 0.025 0.077 0.025 0.2962 -21.30
Assets, bln $
1.62 1.63 1.59 1.49 1.6 1.7 1.58 1.49 1.43 1.43 1.56 -2.22
Short-Term Debt $
0.0643 0.0511 0.0608 0.021 0.0001 0.01 0.005 0.0012 0.0311 0.0311 0.0095 215.18
Long-Term Debt $
0.0511 0.0608 0.021 0.0001 0.004 0.0196 0.0196 0.0447 0.0387 0.0387 0.0253 57.45
Liabilities, bln $
1.42 1.43 1.4 1.31 1.42 1.54 1.42 1.33 1.28 1.28 1.40 -2.05
Net debt, bln $
-0.0456 -0.0668 -0.0772 -0.1903 -0.4995 -0.4776 -0.0471 -0.1338 0.0181 0.0181 -0.2280 -151.50
Debt, bln $
0.1021 0.1215 0.021 0.0001 0.004 0.0246 0.0209 0.0447 0.0387 0.0387 0.0266 57.45
Interest Income $
0.049 0.0509 0.0562 0.0613 0.0654 0.0529 0.0466 0.0553 0.0662 0.0573 0.24
Interest Expense, bln $
0.004 0.0061 0.0092 0.0132 0.007 0.0028 0.0045 0.0143 0.0201 0.0201 0.0097 23.49
Net interest income, bln $
0.0461 0.047 0.0501 0.0613 0.0654 0.0529 0.0466 0.0553 0.0662 0.0662 0.0573 0.24
Goodwill $
0.0108 0.0109 0.0109 0.0109 0.0109 0.0226 0.0226 0.0226 0.0226 0.0226 0.0226 0.00
Amortization, bln $
0.00055 0.000523 0.000496 0.000184 0.0001 0.0000 0.0021 0.002 0.0015 0.0021 0.0012 52.14
Cost of production, bln $
0.0294 0.0253 0.0296 -0.0059 0.003 0.0023 -0.000493 -0.000208 -0.000378 -0.0001 0.0002 -153.41
Inventory $
0.007 0.0039 0.0024 0.0012 0.000186 0.000157 1.04 0.8798 1.08 1.08 0.6000 465.96


Share

2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Average for 5 years CAGR 5
EPS 0.39 0.5 1.11 0.7485 0.6128 0.53 0.8028 0.7441 0.3268 0.3268 0.6033 -11.82
Share price 15.21 16.19 13.79 8.73 10.73 10.2 10.26 12.7 11.51 11.51 11.08 1.41
Number of shares, mln 19 18 17.43 15.59 14.95 13.98 13.07 12.62 12.46 12.46 13.42 -3.58
FCF/share 0.9603 1.2 1.09 1.32 0.7698 0.3886 0.5621 0.6367 0.4388 0.4388 0.5592 -10.63


Efficiency

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average Average for 5 years CAGR 5
ROE, % 3.66 4.56 10.34 6.69 5.3 4.71 6.79 6.12 2.61 2.61 -47.34 5.11 -13.21
ROA, % 0.46 0.55 1.22 0.78 0.57 0.44 0.6407 0.6134 0.2788 0.2788 10.67 0.5086 -13.33
ROIC, % 18.79 4.08 2.93 3.48 9.29 6.69 5.18 4.07 9.01 7.19 6.57 6.43 1.45
ROS, % 39.36 52.75 49.85 38.53 25.38 18.48 16.79 8.28 8.28 8.28 26.44 15.44 -20.07
ROCE, % 9.8 13.25 16.65 1.98 1.25 0.7501 0.8423 0.8648 -1.9 -1.9 -61.28 0.3614 -208.73
EBIT margin 27.2 25.01 19.87 23.06 22.8 -6.03 -6.03 33.41 16.94 -175.24
EBITDA margin 30.98 36.37 44.35 30.23 28.38 23.92 26.58 25.55 -1.76 -1.76 37.49 20.53 -157.35
Net margin 13.99 15.91 28.93 19.98 17.88 14.98 18.48 16.79 8.28 8.28 26.43 15.28 -14.27
Operational efficiency, % 28.61 38.96 27.22 24.9 19.73 32.25 33.2 23.59 23.59 23.59 31.91 26.47 3.64
FCF yield, % 7.99 5.85 7.62 7.89 6.93 9.32 8.79 3.62 5.62 6.94 6.86 -5.73


Coefficients

2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average Average for 5 years CAGR 5
P/E
20.74 18.22 8.46 13.19 12.77 18.26 12.33 14.38 38.09 38.09 25.86 19.17 24.43
P/BV
0.76 0.83 0.87 0.88 0.68 0.86 0.8532 0.8692 0.9922 0.9922 -12.42 0.8509 7.85
P/S
2.9 2.9 2.45 2.64 2.28 2.74 2.28 2.41 3.15 3.15 6.65 2.57 6.68
P/FCF
8.73 8.84 7.67 10.17 24.9 17.8 15.01 13.64 20.04 20.04 19.35 18.28 -4.25
E/P
0.0329 0.0703 0.0529 0.07 0.0493 0.0803 0.0811 0.0857 0.0372 0.0372 0.05 0.0667 -5.48
EV/EBIT
0.6765 -28.73 -33.35 6.28 0.0987 -1.75 -58.43 -58.43 20.36 -17.4303 11.87
EV/EBITDA
7.32 9.69 7.67 3.63 -2.05 -25.61 -28.51 5.45 0.0881 -6.01 17.58 -10.1264 -153.29
EV/S
4.76 3.28 0.5372 -7.09 -6.52 1.45 0.0225 3.52 3.52 3.52 6.87 0.3985 -188.40
EV/FCF
12.4 11.48 1.53 -31.58 -59.34 11.2 0.1566 31.68 31.68 31.68 24.70 3.08 -188.20
Debt/EBITDA
4.56 0.5416 0.0021 0.2022 1.68 1.38 3.13 -87.64 -44.78 -44.78 1.93 -25.2460 -292.82
Netdebt/Ebitda
-0.29 -1.89 -10.77 -33.65 -39.95 -3.12 -9.36 150.13 -20.91 -20.91 0.97 15.36 -12.14
Debt/Ratio
0.88 0.88 0.88 0.89 0.91 0.0132 0.03 0.027 0.027 0.027 0.40 0.2014 -50.52
Debt/Equity
7.23 7.47 7.53 8.23 9.8 0.1376 0.2875 0.2477 8.18 8.18 -1.48 3.73 -3.55
Debt/Net Income
13.5 2.18 0.0881 0.9781 3.99 1.99 4.76 9.51 9.51 9.51 3.28 5.95 18.97
PEG
535.47 535.47 2.52 535.47 0.00
Beta
0.39 1.59 0.5055 -0.2802 -0.2802 0.34 0.5513 -192.07
Altman Index
-0.68 -0.66 -0.6 -0.86 -0.15 0 -0.1081 0.0644 0.9926 0.9926 42.85 -0.0122 -202.91


Dividends

2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average Average for 5 years CAGR 5
Div. payout, bln
0.0041 0.0041 0.0064 0.0063 0.006 0.0056 0.0052 0.0051 0.005 0.0051 0.0054 -3.58
Dividend
0.28 0.37 0.4 0.4 0.2 0.4 0.4 0.4 0.1 0.4 0.3000 -12.94
Dividend yield, %
1.7 2.48 2.93 4.73 1.89 3.85 3.86 2.97 3.25 3.22 1.81 3.16 11.45
Dividends / profit, %
55.09 57.23 33.34 53.68 65.28 75.83 49.85 53.83 122.42 122.42 56.58 73.44 13.40
Dividend coverage ratio
0.7986 0.7986 32.92 0.7986 0.00


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Other

2020 2021 2022 2023 2024 LTM CAGR 5
CAPEX/Revenue, %
3.92 4.72 3.42 2.12 4.26 4.26 1.68
Staff, people
199 180 183 -2.76