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Company Analysis

BankFinancial Corporation BFIN

A comprehensive view of key metrics, scores, and financial health for BankFinancial Corporation

Overview of BankFinancial Corporation

BFIN NMS
Financial Services Banks - Regional
BankFinancial Corporation (BFIN), in the Banks - Regional industry.
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As of Dec. 31, 2025
Previous close
Enterprise Value
$83.19M
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.bankfinancial.com
HQ Burr Ridge, IL
Employees 184
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$7
$13
$24
Current: $None

Engine Room Money Flow™

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$68.6M
3.7%%
Interest Expense
$20.1M
Net Interest Income
$48.4M
-6.5%%
Total Revenue
$54.2M
-4.6%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
2.6%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$5.1M
126.2% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
0
Active Leaks
0/0
Improving
0
High Impact
0
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating BankFinancial Corporation's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
39
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
31
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 82% Coverage
Trade-Off Triangle Visualization A ternary plot showing BFIN's balance between Growth (26.5%), Profitability (37.4%), and Safety (36.2%). Growth 26% Safety 36% Profitability 37%

Click axes to expand details. Marker shows current allocation.

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Growth

9th percentile vs peers
9
Key Signals
Revenue CAGR 3Y 3.1% 12p Rev Growth YoY -4.6% 7p Asset Growth YoY -3.5% 8p
Strengths

No notable strengths identified for this axis.

Risks
  • Growth in bottom 20% of peers (percentile: 9)
  • Rev Growth Yoy in bottom 20% of peers (-4.6%)

Profitability

13th percentile vs peers
13
Key Signals
Strengths
Risks
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Safety

12th percentile vs peers
13
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for BankFinancial Corporation.

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
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Base
$13.07
- - -
- upside
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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