BFIN$12.0
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Performance
Key Stats
AI BFIN Summary
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Powered by LiveAIOverall Analysis
BuyBankFinancial Corporation exhibits a stable fundamental profile with a consistent dividend, but its growth and market position are being challenged by current economic conditions. Technical indicators suggest a cautious outlook with potential for minor upside.
Thematic
As a regional bank, BankFinancial's themes are tied to the broader financial services sector. Key drivers include interest rate sensitivity, regional economic health, and digital transformation in banking.
Fundamental
BankFinancial demonstrates solid profitability and a healthy balance sheet with manageable debt. Its dividend yield is attractive, though revenue and earnings growth have been inconsistent.
Technical
The stock shows mixed technical signals. While it's trading near its 52-week low, recent performance indicates some upward momentum, but it faces resistance from key moving averages.
| Factor | Score |
|---|---|
| Interest Rate Sensitivity | 70 |
| Regional Economic Health | 65 |
| Digital Banking Adoption | 55 |
| Regulatory Environment (Banking) | 75 |
| Community Banking Focus | 70 |
| Factor | Score |
|---|---|
| Valuation | 50 |
| Profitability | 65 |
| Growth | 40 |
| Balance Sheet Health | 85 |
| Cash Flow | 70 |
| Dividend Yield | 80 |
| Factor | Score |
|---|---|
| Trend Analysis | 50 |
| Momentum | 55 |
| Volume Confirmation | 60 |
| Support & Resistance | 60 |
| Recent Performance | 55 |
AI Investing Checklist
Powered by LiveAIBullish Points (7)
Attractive P/E Ratio Relative to Industry
The Price-to-Earnings (P/E) ratio of 31.94 is lower than the industry average P/E of 35.0, suggesting potential undervaluation relative to its peers.
Consistent Dividend Payouts
The company has maintained consistent dividend payments, with a current dividend yield of 3.48% and regular quarterly payouts, indicating a commitment to shareholder returns.
Bearish Points (7)
Elevated P/E Ratio
The trailing P/E ratio of 31.94 is relatively high, which could indicate that the stock is trading at a premium and may be susceptible to pullbacks if growth expectations are not met.
Declining Net Margin
Net margin has decreased from 18.5% in Q4 2022 to 7.5% in Q4 2024, indicating potential pressure on profitability due to rising costs or competitive factors.
Calendar
May 2025
9
Ex-Dividend Date
May 2025
23
Next Dividend Date
August 2025
1
Next Earnings Date
H: $0.15
A: $0.15
L: $0.15
H: 13.42M
A: 13.42M
L: 13.42M
Profile
BankFinancial Corporation operates as the bank holding company for BankFinancial, National Association that provides banking, financial planning, and fiduciary services to individuals, families, and businesses. The company accepts various deposit products, such as savings, NOW, checking, money market, IRAs, and other retirement accounts, as well as certificates of deposit. Its loan portfolio consists of multi-family residential real estate loans, non-residential real estate loans, commercial loans and commercial equipment leases, consumer loans, and one-to-four family residential real estate loans. The company also offers cash management, funds transfers, bill payment and other online and mobile banking transactions, trust, wealth management, treasury services, and general insurance agency services. In addition, it provides trust and financial planning services; and sells property and casualty, and other insurance products on an agency basis. The company offers its products through full-service banking offices located in Cook, DuPage, Lake, and Will Counties, Illinois, as well as through its internet branch, www.bankfinancial.com. BankFinancial Corporation was founded in 1924 and is headquartered in Burr Ridge, Illinois.
Seasonals
Price Target
13.50 USD
The 39 analysts offering 1 year price forecasts for BFIN have a max estimate of 15.00 and a min estimate of 12.00.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
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