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BankFinancial Corporation (BFIN)
Key financial summary
Financials in USD| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 58 | 51 | 49 | 57 | 57 | 54 | 53 |
| Operating profit | $m | 5 | 2 | |||||
| Net profit | $m | 12 | 9 | 7 | 10 | 9 | 4 | 2 |
| EPS reported | $ | 0.33 | 0.19 | |||||
| Operating cashflow per share | $ | 0.61 | -0.02 | |||||
| Capex per share | $ | 0.17 | 0.01 | |||||
| FCF per share | $ | 0.44 | -0.01 | |||||
| Free cash flow | $m | 5 | 3 | |||||
| Net debt | $m | -376 | -604 | |||||
| Book value equity | $m | 156 | 157 | |||||
| Book value per share | $ | 12.55 | 12.63 | |||||
| Number of shares | m | 12.46 | 12.46 | |||||
| DPS (TTM paid) | $ | 0.40 | 0.10 |
Financial summary
Financials in USD| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Value | ||||||||
| P/E TTM | x | 38.48 | 62.76 | |||||
| P/B LTM | x | 1.01 | 0.95 | |||||
| P/S LTM | x | 2.92 | 2.82 | |||||
| P/FCF LTM | x | 28.94 | 55.71 | |||||
| EV/EBITDA LTM | x | 15.05 | 55.09 | |||||
| EV/Sales LTM | x | 1.05 | -8.58 | |||||
| Earnings Yield LTM | % | 2.60% | 1.59% | |||||
| FCF Yield | % | 3.46% | 1.79% | |||||
| Quality | ||||||||
| ROE | % | 2.60% | 1.28% | |||||
| ROIC | % | 1.87% | 0.92% | |||||
| Operating margin | % | 6.75% | 5.35% | |||||
| Gross margin | % | 66.18% | 67.37% | |||||
| FCF/Sales | % | 7.35% | -0.30% | |||||
| Growth and momentum | ||||||||
| EPS Growth YoY | % | -55.41% | -70.31% | |||||
| Sales Growth YoY | % | -4.56% | -3.82% | |||||
| Net Income Growth YoY | % | -56.64% | -70.73% | |||||
| FCF Growth | % | -25.56% | -50.25% | |||||
| Operating Profit Growth | % | -60.63% | -82.21% | |||||
| Dividend and capital structure | ||||||||
| Dividend Yield | % | 3.15% | 0.83% | |||||
| Dividend Growth | % | 0.00% | - | |||||
| Payout Ratio | % | 122.42% | 209.23% | |||||
| FCF/Debt | x | 0.14 | 0.09 | |||||
| Net Debt/EBITDA | x | -15.48 | 12.44 | |||||
| EBIT/Net interest | x | 0.25 | 0.20 | |||||
| Net debt/market cap | % | -237.61% | -403.81% | |||||
| Net debt/Equity | x | -2.40 | -3.84 | |||||
| Gross debt/equity | x | 0.25 | 0.18 | |||||
Company overview
BankFinancial Corporation, serving as the parent entity for BankFinancial, National Association, delivers a comprehensive suite of banking and financial services tailored for commercial enterprises, families, and individual consumers. Its deposit offerings span a variety of accounts, including savings, NOW, checking, and money market accounts, alongside individual retirement accounts (IRAs) and other retirement plans, as well as certificates of deposit. The institution provides diverse lending solutions, such as financing for multi-family and commercial real estate, construction and land development, and various commercial loans and leases. Residential mortgage products cater to single-to-four family homes, incorporating home equity loans and lines of credit, complemented by a range of consumer loan options. Beyond core banking, BankFinancial extends services like cash management, electronic funds transfers, bill payment, and a full suite of online and mobile banking functionalities. Further amenities include automated teller machines, safe deposit boxes, trust services, wealth management, and general insurance agency operations, involving the sale of property, casualty, and other insurance products. Financial planning assistance is also available. The company operates a network of 19 full-service branches situated across Cook, DuPage, Lake, and Will Counties in Illinois. Established in 1924, BankFinancial Corporation maintains its corporate headquarters in Burr Ridge, Illinois.
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For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
BankFinancial Corporation (BFIN)
BankFinancial Corporation, serving as the parent entity for BankFinancial, National Association, delivers a comprehensive suite of banking and financial services tailored for commercial enterprises, families, and individual consumers. Its deposit offerings span a variety of accounts, including savings, NOW, checking, and money market accounts, alongside individual retirement accounts (IRAs) and other retirement plans, as well as certificates of deposit. The institution provides diverse lending solutions, such as financing for multi-family and commercial real estate, construction and land development, and various commercial loans and leases. Residential mortgage products cater to single-to-four family homes, incorporating home equity loans and lines of credit, complemented by a range of consumer loan options. Beyond core banking, BankFinancial extends services like cash management, electronic funds transfers, bill payment, and a full suite of online and mobile banking functionalities. Further amenities include automated teller machines, safe deposit boxes, trust services, wealth management, and general insurance agency operations, involving the sale of property, casualty, and other insurance products. Financial planning assistance is also available. The company operates a network of 19 full-service branches situated across Cook, DuPage, Lake, and Will Counties in Illinois. Established in 1924, BankFinancial Corporation maintains its corporate headquarters in Burr Ridge, Illinois.
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