BankFinancial Corporation (BFIN)

BankFinancial Statistics

Total Valuation

BankFinancial has a market cap or net worth of $139.56 million. The enterprise value is $40.31 million.

Market Cap	139.56M
Enterprise Value	40.31M

Important Dates

The next estimated earnings date is Tuesday, November 4, 2025, after market close.

Earnings Date	Nov 4, 2025
Ex-Dividend Date	Aug 15, 2025

Share Statistics

BankFinancial has 12.46 million shares outstanding. The number of shares has decreased by -0.38% in one year.

Current Share Class	12.46M
Shares Outstanding	12.46M
Shares Change (YoY)	-0.38%
Shares Change (QoQ)	n/a
Owned by Insiders (%)	6.44%
Owned by Institutions (%)	40.14%
Float	8.46M

Valuation Ratios

The trailing PE ratio is 71.53 and the forward PE ratio is 16.00.

PE Ratio	71.53
Forward PE	16.00
PS Ratio	3.06
Forward PS	2.77
PB Ratio	0.89
P/TBV Ratio	0.89
P/FCF Ratio	19.07
P/OCF Ratio	15.45
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	20.66
EV / Sales	0.89
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	5.51

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	4.54
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 1.24%.

Return on Equity (ROE)	1.24%
Return on Assets (ROA)	0.13%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$206,086
Profits Per Employee	$8,828
Employee Count	221
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

Income Tax	-342,000
Effective Tax Rate	n/a

Stock Price Statistics

The stock price has decreased by -7.15% in the last 52 weeks. The beta is 0.41, so BankFinancial's price volatility has been lower than the market average.

Beta (5Y)	0.41
52-Week Price Change	-7.15%
50-Day Moving Average	12.06
200-Day Moving Average	12.16
Relative Strength Index (RSI)	36.02
Average Volume (20 Days)	55,393

Short Selling Information

The latest short interest is 294,714, so 2.37% of the outstanding shares have been sold short.

Short Interest	294,714
Short Previous Month	299,253
Short % of Shares Out	2.37%
Short % of Float	3.48%
Short Ratio (days to cover)	4.38

Income Statement

In the last 12 months, BankFinancial had revenue of $45.55 million and earned $1.95 million in profits. Earnings per share was $0.16.

Revenue	45.55M
Gross Profit	45.55M
Operating Income	2.13M
Pretax Income	1.61M
Net Income	1.95M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$0.16

Balance Sheet

The company has $132.51 million in cash and $33.26 million in debt, giving a net cash position of $99.25 million or $7.96 per share.

Cash & Cash Equivalents	132.51M
Total Debt	33.26M
Net Cash	99.25M
Net Cash Per Share	$7.96
Equity (Book Value)	156.04M
Book Value Per Share	12.52
Working Capital	-1.10B

Cash Flow

In the last 12 months, operating cash flow was $9.03 million and capital expenditures -$1.71 million, giving a free cash flow of $7.32 million.

Operating Cash Flow	9.03M
Capital Expenditures	-1.71M
Free Cash Flow	7.32M
FCF Per Share	$0.59

Margins

Gross Margin	n/a
Operating Margin	4.68%
Pretax Margin	3.53%
Profit Margin	4.28%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	16.07%

Dividends & Yields

This stock pays an annual dividend of $0.40, which amounts to a dividend yield of 3.57%.

Dividend Per Share	$0.40
Dividend Yield	3.57%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	255.47%
Buyback Yield	0.38%
Shareholder Yield	3.95%
Earnings Yield	1.40%
FCF Yield	5.25%

Analyst Forecast

The average price target for BankFinancial is $11.50, which is 2.45% higher than the current price. The consensus rating is "Hold".

Price Target	$11.50
Price Target Difference	2.45%
Analyst Consensus	Hold
Analyst Count	1
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	4