NAS:BFIN (USA)

BankFinancial Corp

$ 14.66 0 (0%)
Volume: 36,118 Avg Vol (1m): 45,801
Market Cap $: 227.49 Mil Enterprise Value $: 82.13 Mil
P/E (TTM): 12.86 P/B: 1.35
Earnings Power Value 8.12
Net Current Asset Value 0
Tangible Book 10.88
Projected FCF 19.22
Median P/S Value 14.87
Graham Number 16.7
Peter Lynch Value 0
DCF (FCF Based) 0
DCF (Earnings Based) 0
YTD (-%)

Financial Strength : 5/10

GuruFocus Financial Strength Rank measures how strong a company's financial situation is . It is based on these factors
1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.
A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.
Current vs industry vs history
Cash-to-Debt 4.86
Cash-To-Debt ranked higher than
69.88% of 1617 companies
in the Banks - Regional - US industry.
Industry Max: 2539500, Med: 1.43, Min: 0.01
BFIN: 4.86
Ranked among companies with meaningful Cash-To-Debt only.
Cash-To-Debt range over the past 10 years
Min: 0.11, Med: 3.41, Max: 113.55
Current: 4.86
0.11
113.55
Equity-to-Asset 0.11
Equity-to-Asset ranked higher than
67.98% of 1627 companies
in the Banks - Regional - US industry.
Industry Max: 1, Med: 0.11, Min: -11.05
BFIN: 0.11
Ranked among companies with meaningful Equity-to-Asset only.
Equity-to-Asset range over the past 10 years
Min: 0.06, Med: 0.15, Max: 0.21
Current: 0.11
0.06
0.21
Debt-to-Equity 0.09
Debt-to-Equity ranked higher than
90.74% of 1393 companies
in the Banks - Regional - US industry.
Industry Max: 543.58, Med: 0.68, Min: 0.01
BFIN: 0.09
Ranked among companies with meaningful Debt-to-Equity only.
Debt-to-Equity range over the past 10 years
Min: 0.01, Med: 0.19, Max: 3.24
Current: 0.09
0.01
3.24
Debt-to-EBITDA 0.24
Debt-to-EBITDA ranked higher than
88.63% of 1416 companies
in the Banks - Regional - US industry.
Industry Max: 2306.11, Med: 1.79, Min: 0.01
BFIN: 0.24
Ranked among companies with meaningful Debt-to-EBITDA only.
Debt-to-EBITDA range over the past 10 years
Min: 0, Med: 0, Max: 0.24
Current: 0.24
0
0.24
Beneish M-Score -2.15
Not Manipulator
Manipulator
WACC vs ROIC %
ROIC 0%
WACC 6.45%

Profitability & Growth : 4/10

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
Current vs industry vs history
Net Margin % 28.79
Net Margin ranked higher than
61.32% of 1639 companies
in the Banks - Regional - US industry.
Industry Max: 10754.72, Med: 25.15, Min: -234138
BFIN: 28.79
Ranked among companies with meaningful Net Margin only.
Net Margin range over the past 10 years
Min: -68.39, Med: 10.05, Max: 76.41
Current: 28.79
-68.39
76.41
ROE % 10.20
ROE ranked higher than
52.01% of 1638 companies
in the Banks - Regional - US industry.
Industry Max: 231.61, Med: 9.79, Min: -53900
BFIN: 10.2
Ranked among companies with meaningful ROE only.
ROE range over the past 10 years
Min: -21.49, Med: 2.75, Max: 20.73
Current: 10.2
-21.49
20.73
ROA % 1.24
ROA ranked higher than
63.10% of 1645 companies
in the Banks - Regional - US industry.
Industry Max: 54.28, Med: 1.01, Min: -205.98
BFIN: 1.24
Ranked among companies with meaningful ROA only.
ROA range over the past 10 years
Min: -3.15, Med: 0.35, Max: 2.78
Current: 1.24
-3.15
2.78
3-Year Total Revenue Growth Rate 8.10
3-Year Revenue Growth Rate ranked higher than
82.42% of 1513 companies
in the Banks - Regional - US industry.
Industry Max: 672.4, Med: 4.3, Min: -100
BFIN: 13
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
3-Year Revenue Growth Rate range over the past 10 years
Min: -9.9, Med: 5.1, Max: 111.9
Current: 13
-9.9
111.9
3-Year EPS w/o NRI Growth Rate 36.10
3-Year EPS w/o NRI Growth Rate ranked higher than
89.70% of 1359 companies
in the Banks - Regional - US industry.
Industry Max: 804.5, Med: 5.3, Min: -214.9
BFIN: 36.1
Ranked among companies with meaningful 3-Year EPS w/o NRI Growth Rate only.
3-Year EPS w/o NRI Growth Rate range over the past 10 years
Min: 0, Med: 0, Max: 81
Current: 36.1
0
81

» BFIN's 30-Y Financials

Financials (Next Earnings Date: 2019-08-01)

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Business Description

Industry Banks » Banks - Regional - US    NAICS : 522110    SIC : 6022
Compare NAS:BWFG NAS:MBTF NAS:PVBC NAS:NRIM NAS:PFBI NAS:FSBW NAS:ISTR NAS:INBK NAS:SLCT NAS:PKBK NAS:CHMG NAS:FDBC OTCPK:CSHX NAS:UNTY NAS:RBNC NAS:LCNB NAS:SBBX NAS:FVCB NAS:MFSF NAS:BCML
Traded in other countries
Address 15W060 North Frontage Road, Burr Ridge, IL, USA, 60527
BankFinancial Corp is a bank holding company of BankFinancial, F.S.B., which is a full-service, community-oriented federal savings bank principally engaged in the business of commercial, family and personal banking. It offers customers a range of loan, deposit, and other financial products and services. The bank's primary business is granting loans and accepting deposits and it also offers customers a variety of financial products and services that are related or ancillary to loans and deposits, including cash management, funds transfers, bill payment and other online and mobile banking transactions, automated teller machines, safe deposit boxes, trust services, wealth management, and general insurance agency services. The company recognises its revenues from interest income.

Ratios

Current vs industry vs history
PE Ratio (TTM) 12.82
PE Ratio ranked lower than
60.57% of 1557 companies
in the Banks - Regional - US industry.
Industry Max: 625000, Med: 12.36, Min: 0.02
BFIN: 12.82
Ranked among companies with meaningful PE Ratio only.
PE Ratio range over the past 10 years
Min: 5.55, Med: 29.43, Max: 99999999.99
Current: 12.82
5.55
99999999.99
Forward PE Ratio 14.97
Forward P/E ranked lower than
89.32% of 487 companies
in the Banks - Regional - US industry.
Industry Max: 232.56, Med: 11.17, Min: 3.33
BFIN: 14.97
Ranked among companies with meaningful Forward P/E only.
N/A
PE Ratio without NRI 12.82
PE without NRI ranked lower than
59.99% of 1532 companies
in the Banks - Regional - US industry.
Industry Max: 625000, Med: 12.43, Min: 0.02
BFIN: 12.82
Ranked among companies with meaningful PE without NRI only.
PE without NRI range over the past 10 years
Min: 5.55, Med: 29.43, Max: 99999999.99
Current: 12.82
5.55
99999999.99
Price-to-Owner-Earnings 10.17
Price-to-Owner-Earnings ranked higher than
63.70% of 989 companies
in the Banks - Regional - US industry.
Industry Max: 2862049.23, Med: 12.46, Min: 0.01
BFIN: 10.17
Ranked among companies with meaningful Price-to-Owner-Earnings only.
Price-to-Owner-Earnings range over the past 10 years
Min: 9.22, Med: 16.28, Max: 43.72
Current: 10.17
9.22
43.72
PB Ratio 1.35
PB Ratio ranked lower than
67.35% of 1651 companies
in the Banks - Regional - US industry.
Industry Max: 339397.23, Med: 1.11, Min: 0
BFIN: 1.35
Ranked among companies with meaningful PB Ratio only.
PB Ratio range over the past 10 years
Min: 0.47, Med: 1.12, Max: 1.63
Current: 1.35
0.47
1.63
PS Ratio 3.70
PS Ratio ranked lower than
69.86% of 1649 companies
in the Banks - Regional - US industry.
Industry Max: 207056.49, Med: 3.01, Min: 0.01
BFIN: 3.7
Ranked among companies with meaningful PS Ratio only.
PS Ratio range over the past 10 years
Min: 1.49, Med: 3.76, Max: 5.68
Current: 3.7
1.49
5.68
Price-to-Free-Cash-Flow 16.12
Price-to-Free-Cash-Flow ranked lower than
69.95% of 882 companies
in the Banks - Regional - US industry.
Industry Max: 2338.98, Med: 10.27, Min: 0
BFIN: 16.12
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
Price-to-Free-Cash-Flow range over the past 10 years
Min: 4.93, Med: 14.46, Max: 27.73
Current: 16.12
4.93
27.73
Price-to-Operating-Cash-Flow 14.55
Price-to-Operating-Cash-Flow ranked lower than
71.31% of 948 companies
in the Banks - Regional - US industry.
Industry Max: 1945525.29, Med: 9.19, Min: 0.01
BFIN: 14.55
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
Price-to-Operating-Cash-Flow range over the past 10 years
Min: 4.78, Med: 13.32, Max: 22.71
Current: 14.55
4.78
22.71
EV-to-Revenue 1.21
EV-to-Revenue ranked higher than
82.57% of 1325 companies
in the Banks - Regional - US industry.
Industry Max: 2007.65, Med: 3.55, Min: 0.02
BFIN: 1.21
Ranked among companies with meaningful EV-to-Revenue only.
EV-to-Revenue range over the past 10 years
Min: -2.6, Med: 1.5, Max: 6.1
Current: 1.21
-2.6
6.1
Shiller PE Ratio 265.69
Shiller PE Ratio ranked lower than
99.85% of 672 companies
in the Banks - Regional - US industry.
Industry Max: 1946.36, Med: 17.52, Min: 0.06
BFIN: 265.69
Ranked among companies with meaningful Shiller PE Ratio only.
Shiller PE Ratio range over the past 10 years
Min: 238.67, Med: 373, Max: 519.67
Current: 265.69
238.67
519.67

Dividend & Buy Back

Current vs industry vs history
Dividend Yield % 2.74
Trailing Dividend Yield ranked lower than
59.80% of 2587 companies
in the Banks - Regional - US industry.
Industry Max: 266.3, Med: 2.92, Min: 0.01
BFIN: 2.74
Ranked among companies with meaningful Trailing Dividend Yield only.
Trailing Dividend Yield range over the past 10 years
Min: 0.21, Med: 1.67, Max: 5.13
Current: 2.74
0.21
5.13
Dividend Payout Ratio 0.35
Dividend Payout Ratio ranked higher than
50.00% of 1420 companies
in the Banks - Regional - US industry.
Industry Max: 186.51, Med: 0.33, Min: 0.01
BFIN: 0.35
Ranked among companies with meaningful Dividend Payout Ratio only.
Dividend Payout Ratio range over the past 10 years
Min: 0.04, Med: 0.35, Max: 0.57
Current: 0.35
0.04
0.57
3-Year Dividend Growth Rate (Per Share) 32.20
3-Year Dividend Growth Rate ranked higher than
87.95% of 880 companies
in the Banks - Regional - US industry.
Industry Max: 228.7, Med: 6, Min: -100
BFIN: 32.2
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
3-Year Dividend Growth Rate range over the past 10 years
Min: 0, Med: -28.6, Max: 74.7
Current: 32.2
0
74.7
Forward Dividend Yield % 2.73
Forward Dividend Yield ranked lower than
62.39% of 2534 companies
in the Banks - Regional - US industry.
Industry Max: 98, Med: 3.16, Min: 0.01
BFIN: 2.73
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield-on-Cost (5-Year) % 23.71
Yield-on-Cost (5y) ranked higher than
96.84% of 2561 companies
in the Banks - Regional - US industry.
Industry Max: 266.3, Med: 3.65, Min: 0.01
BFIN: 23.71
Ranked among companies with meaningful Yield-on-Cost (5y) only.
Yield-on-Cost (5y) range over the past 10 years
Min: 1.83, Med: 14.47, Max: 44.72
Current: 23.71
1.83
44.72
3-Year Share Buyback Rate 6.70
3-Year Share Buyback Rate ranked higher than
98.24% of 1137 companies
in the Banks - Regional - US industry.
Industry Max: 82.2, Med: -2.1, Min: -499.5
BFIN: 6.7
Ranked among companies with meaningful 3-Year Share Buyback Rate only.
3-Year Share Buyback Rate range over the past 10 years
Min: 0, Med: 1.2, Max: 6.7
Current: 6.7
0
6.7

Valuation & Return

Current vs industry vs history
Price-to-Tangible-Book 1.34
Price-to-Tangible-Book ranked lower than
58.84% of 1669 companies
in the Banks - Regional - US industry.
Industry Max: 359582.88, Med: 1.2, Min: 0.01
BFIN: 1.34
Ranked among companies with meaningful Price-to-Tangible-Book only.
Price-to-Tangible-Book range over the past 10 years
Min: 0.59, Med: 1.17, Max: 1.59
Current: 1.34
0.59
1.59
Price-to-Projected-FCF 0.76
Price-to-Intrinsic-Value-Projected-FCF ranked lower than
54.59% of 958 companies
in the Banks - Regional - US industry.
Industry Max: 460, Med: 0.76, Min: 0.01
BFIN: 0.76
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
Price-to-Intrinsic-Value-Projected-FCF range over the past 10 years
Min: 0.36, Med: 0.71, Max: 1.01
Current: 0.76
0.36
1.01
Price-to-Median-PS-Value 0.98
Price-to-Median-PS-Value ranked lower than
51.64% of 1524 companies
in the Banks - Regional - US industry.
Industry Max: 186, Med: 1.02, Min: 0.03
BFIN: 0.98
Ranked among companies with meaningful Price-to-Median-PS-Value only.
Price-to-Median-PS-Value range over the past 10 years
Min: 0.41, Med: 1.16, Max: 1.94
Current: 0.98
0.41
1.94
Price-to-Graham-Number 0.88
Price-to-Graham-Number ranked lower than
54.34% of 1476 companies
in the Banks - Regional - US industry.
Industry Max: 99940.04, Med: 0.86, Min: 0
BFIN: 0.88
Ranked among companies with meaningful Price-to-Graham-Number only.
Price-to-Graham-Number range over the past 10 years
Min: 0.54, Med: 1.38, Max: 3.73
Current: 0.88
0.54
3.73

More Statistics

Revenue (TTM) (Mil) $ 67.16
EPS (TTM) $ 1.14
Beta 0.43
Volatility % 17.89
52-Week Range $ 13.46 - 18.62
Shares Outstanding (Mil) 15.52

Analyst Estimate

Piotroski F-Score Details