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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.
-
-
As of Dec. 31, 2025
Previous close
Enterprise Value
$83.19M
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Weak
Valuation
Excellent
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Weak
Valuation
Excellent
Completeness: 82%
Confidence: 69%
Updated: Mar 8
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
38
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
30
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

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

Banks (Regional & Diversified) vs Industry Peers 80% Coverage
Trade-Off Triangle Visualization A ternary plot showing BFIN's balance between Growth (14.5%), Profitability (39.7%), and Safety (45.9%). Growth 14% Safety 46% Profitability 40%

Click axes to expand details. Marker shows current allocation.

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Growth

12th percentile vs peers
12
Key Signals
NII Growth YoY -6.5% 16p Asset Growth YoY -3.5% 8p EPS Growth YoY -55.4% 12p Equity Growth YoY 0.6% 11p
Strengths
  • Net Interest Margin in top 20% of peers (3.4%, 80th percentile)
Risks
  • Growth in bottom 20% of peers (percentile: 12)
  • NII Growth YoY in bottom 20% of peers (-6.5%)
  • Asset Growth YoY in bottom 20% of peers (-3.5%)
  • EPS Growth YoY in bottom 20% of peers (-55.4%)
  • Equity Growth YoY in bottom 20% of peers (0.6%)

Profitability

34th percentile vs peers
34
Key Signals
Strengths
Risks
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Safety

39th percentile vs peers
40
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for BankFinancial Corporation.

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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:

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