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AI Spotlight on BFIN
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
- Feb -24 - All You Need to Know About BankFinancial (BFIN) Rating Upgrade to Buy
- Jan -08 - BankFinancial Expands Commercial Finance Team and Reaffirms Commitment to Exceptional Service and Competitive Lending Solutions
- May -20 - National Bank Financial Equities Analysts Cut Earnings Estimates for EQB Inc. (TSE:EQB)
- May -20 - National Bank Financial Weighs in on Transcontinentalβs Q2 2024 Earnings (TSE:TCL)
- May -20 - Q2 2024 EPS Estimates for Element Fleet Management Corp. Boosted by Analyst (TSE:EFN)
- May -09 - BankFinancial (BFIN) Misses Q1 Earnings Estimates
- May -09 - BankFinancial Corporation Reports Financial Results for the First Quarter 2024
- Apr -26 - BankFinancial Corporation Declares Cash Dividend
- Mar -19 - New Strong Sell Stocks for March 19th
- Mar -15 - New Strong Sell Stocks for March 15th
- Feb -09 - BankFinancial Corporation Announces Expansion of Board of Directors and Standstill Agreement with Strategic Value Bank Partners, LLC, Strategic Value Investors LP and Benjamin Mackovak
- Feb -06 - BankFinancial Corporation (BFIN) Q4 2023 Earnings Call Transcript
- Jan -31 - BankFinancial (BFIN) Misses Q4 Earnings and Revenue Estimates
- Jan -31 - BankFinancial Corporation Reports Financial Results for 2023 and Will Host Conference Call and Webcast on Friday, February 2, 2024
- Jan -26 - BankFinancial Corporation Declares Cash Dividend
- Jan -19 - Analysts Estimate BankFinancial (BFIN) to Report a Decline in Earnings: What to Look Out for
- Jan -02 - How BankFinancial (BFIN) Stock Stands Out in a Strong Industry
- Dec -15 - BankFinancial Corporation Extends and Expands Share Repurchase Program
- Dec -14 - BankFinancial (BFIN) Surges 5.4%: Is This an Indication of Further Gains?
- Oct -31 - BankFinancial (BFIN) Q3 Earnings Match Estimates
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
Threat Of Substitutes
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.
Bargaining Power Of Customers
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.
Bargaining Power Of Suppliers
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.
Threat Of New Entrants
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.
Intensity Of Rivalry
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% |
BankFinancial Corporation : Quality Control
BankFinancial Corporation passed 3 out of 9 key points:
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 β¦ |
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, β¦ |
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, β¦ |
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, β¦ |
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. β¦ |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
π₯
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United Security Bancshares
A-Score
1-Year Total Return ->
π₯
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OpenBank
A-Score
1-Year Total Return ->
π₯
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Westamerica
A-Score
1-Year Total Return ->
4
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BankFinancial
A-Score
1-Year Total Return ->
5
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Bank of Princeton
A-Score
1-Year Total Return ->
6
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