0.23%
-0.23%
-1.97%
9.27%
28.80%
18.88%
13.28%
14.0014.0013.5013.5013.0013.0012.5012.5012.0012.0011.5011.5011/29/202411/29/202412/10/202412/10/202412/21/202412/21/20241/1/20251/1/20251/13/20251/13/20251/24/20251/24/20252/4/20252/4/20252/15/20252/15/2025
Download SVG
Download PNG
Download CSV

Company Description

BankFinancial Corporation operates as the bank holding company for BankFinancial, National Association that provides various commercial, family, and personal banking products and services.The company accepts various deposit products, including savings, NOW, checking, money market, IRA, and other retirement accounts, as well as certificates of deposit.Its loan products include multi-family and nonresidential real estate, construction and land, and commercial loans and leases; one-to-four family residential mortgage loans, including home equity loans and lines of credit; and consumer loans.


The company also provides cash management, funds transfer, bill payment, other online and mobile banking transactions, automated teller machines, safe deposit boxes, trust, wealth management, and general insurance agency services.In addition, it offers financial planning services; and sells property and casualty, and other insurance products on an agency basis.The company operates 19 full-service banking offices located in Cook, DuPage, Lake, and Will Counties, Illinois.


BankFinancial Corporation was founded in 1924 and is headquartered in Burr Ridge, Illinois.

Market Data

Last Price 12.97
Change Percentage 0.23%
Open 12.8
Previous Close 12.94
Market Cap ( Millions) 162
Volume 13594
Year High 13.97
Year Low 9.6
M A 50 12.71
M A 200 11.77

Financial Ratios

FCF Yield 4.60%
Dividend Yield 3.08%
ROE 5.04%
Debt / Equity 24.34%
Net Debt / EBIDTA 164.82%
Price To Book 1.02
Price Earnings Ratio 20.42
Price To FCF 21.76
Price To sales 2.33
EV / EBITDA 15.44

News

Business Breakdown

Expected Mid-Term Growth

Segment nΒ°1 -> Banking and Related Activities

Expected Growth : 5.0 %

What the company do ?

BankFinancial Corporation's Banking and Related Activities segment provides traditional banking services, including deposit and loan products, to individuals and businesses.

Why we expect these perspectives ?

BankFinancial Corporation's 5.0% growth in Banking and Related Activities is driven by increasing loan demand, expansion of commercial banking services, and strategic acquisitions. Additionally, improved asset quality, enhanced digital banking capabilities, and a favorable interest rate environment contribute to the segment's growth.

Bankfinancial Corporation Products

Product Range What is it ?
Commercial Banking BankFinancial Corporation offers a range of commercial banking services, including cash management, treasury management, and commercial lending to businesses of all sizes.
Consumer Banking BankFinancial Corporation provides personal banking services, including checking and savings accounts, credit cards, and personal loans to individuals.
Mortgage Banking BankFinancial Corporation offers a variety of mortgage loan options, including fixed-rate and adjustable-rate mortgages, to help individuals and families achieve homeownership.
Wealth Management BankFinancial Corporation provides investment and wealth management services, including financial planning, investment management, and trust services, to individuals and families.
Treasury Management BankFinancial Corporation offers treasury management services, including cash management, wire transfers, and account reconciliation, to businesses and organizations.

BankFinancial Corporation's Porter Forces

BankFinancial Corporation operates in a highly competitive industry, and customers have various alternatives to choose from. However, the company's strong brand presence and customer loyalty mitigate the threat of substitutes to some extent.

BankFinancial Corporation's customers have significant bargaining power due to the availability of alternative banking services. The company needs to focus on customer retention and satisfaction to maintain its market share.

BankFinancial Corporation has a diversified supplier base, which reduces the bargaining power of individual suppliers. The company's strong financial position also gives it an upper hand in negotiations with suppliers.

The banking industry has significant barriers to entry, including regulatory hurdles and capital requirements. However, the rise of fintech companies and digital banking platforms poses a moderate threat of new entrants to BankFinancial Corporation.

The banking industry is highly competitive, with many established players competing for market share. BankFinancial Corporation needs to focus on differentiating itself through innovative products and services to maintain its competitive edge.

Capital Structure

Value
Debt Weight 22.77%
Debt Cost 4.95%
Equity Weight 77.23%
Equity Cost 6.35%
WACC 6.03%
Leverage 29.48%

Historical Valuation

Price/Earnings Ratio

Margin Valuation

Peers Valuation

Competitors

Company Rational
MBWM Mercantile Bank Corporation operates as the bank holding company for Mercantile Bank of Michigan that provides commercial and retail banking services to small- to medium-sized businesses and individuals in the …
WABC Westamerica Bancorporation operates as a bank holding company for the Westamerica Bank that provides various banking products and services to individual and commercial customers. The company accepts various deposit products, …
UBFO United Security Bancshares operates as the bank holding company for United Security Bank, a state-chartered bank that provides a range of commercial banking services to the business and professional community, …
OPBK OP Bancorp operates as the bank holding company for Open Bank that provides banking products and services in California. It offers demand, checking, savings, money market, and time deposit accounts, …
BPRN The Bank of Princeton provides various banking products and services. It accepts various deposit products, including checking, savings, attorney trust, and money market accounts, as well as certificates of deposit. …

Peers Metrics

DCF BETA

Parameters

Short Term Growth
Short term Time
Long-Term Growth
WACC
Target Price
12.97$
Current Price
12.97$
Potential
-0.00%

Expected Cash-Flows

Scoring Insights

ValueQualityYieldMomentumVolatilityGrowth
Company A-Score: 6.70Peer Group Average: 6.20Leader: 8.20

Peers Group Analysis

πŸ₯‡

United Security Bancshares Logo
United Security Bancshares
A-Score # N/A

Value:# N/A

Growth: # N/A

Quality: # N/A

Yield: # N/A

Momentum: # N/A

Volatility: # N/A

1-Year Total Return ->

πŸ₯ˆ

OpenBank Logo
OpenBank
A-Score # N/A

Value:# N/A

Growth: # N/A

Quality: # N/A

Yield: # N/A

Momentum: # N/A

Volatility: # N/A

1-Year Total Return ->

πŸ₯‰

Westamerica Logo
Westamerica
A-Score # N/A

Value:# N/A

Growth: # N/A

Quality: # N/A

Yield: # N/A

Momentum: # N/A

Volatility: # N/A

1-Year Total Return ->

4

BankFinancial Logo
BankFinancial
A-Score # N/A

Value:# N/A

Growth: # N/A

Quality: # N/A

Yield: # N/A

Momentum: # N/A

Volatility: # N/A

1-Year Total Return ->

5

Bank of Princeton Logo
Bank of Princeton
A-Score # N/A

Value:# N/A

Growth: # N/A

Quality: # N/A

Yield: # N/A

Momentum: # N/A

Volatility: # N/A

1-Year Total Return ->

6

Mercantile Bank Logo
Mercantile Bank
A-Score # N/A

Value:# N/A

Growth: # N/A

Quality: # N/A

Yield: # N/A

Momentum: # N/A

Volatility: # N/A

1-Year Total Return ->