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BFIN
Upturn stock ratingUpturn stock rating

BankFinancial Corporation (BFIN)

Upturn stock ratingUpturn stock rating
$12.09
Last Close (24-hour delay)
Profit since last BUY-2.11%
upturn advisory
Consider higher Upturn Star rating
BUY since 16 days
  • BUY Advisory
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  • SELL Advisory (Loss)​
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Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
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Upturn Advisory Summary

09/16/2025: BFIN (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

2 Analysts rated it

Very few follow this stock; limited insights, higher-risk early investing.

1 Year Target Price $11.75

1 Year Target Price $11.75

Analysts Price Target For last 52 week
$11.75 Target price
52w Low $10.59
Current$12.09
52w High $13.63

Analysis of Past Performance

Type Stock
Historic Profit 24.68%
Avg. Invested days 58
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 3.0
Stock Returns Performance Upturn Returns Performance 3.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 09/16/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 152.89M USD
Price to earnings Ratio 75.72
1Y Target Price 11.75
Price to earnings Ratio 75.72
1Y Target Price 11.75
Volume (30-day avg) 2
Beta 0.41
52 Weeks Range 10.59 - 13.63
Updated Date 09/15/2025
52 Weeks Range 10.59 - 13.63
Updated Date 09/15/2025
Dividends yield (FY) 3.26%
Basic EPS (TTM) 0.16

Analyzing Revenue: Products, Geography and Growth

Revenue by Products

Product revenue - Year on Year

Earnings Date

Report Date -
When -
Estimate -
Actual -

Profitability

Profit Margin 4.28%
Operating Margin (TTM) -6.55%

Management Effectiveness

Return on Assets (TTM) 0.13%
Return on Equity (TTM) 1.25%

Valuation

Trailing PE 75.72
Forward PE 15.08
Enterprise Value 51715112
Price to Sales(TTM) 3.36
Enterprise Value 51715112
Price to Sales(TTM) 3.36
Enterprise Value to Revenue 3.53
Enterprise Value to EBITDA -
Shares Outstanding 12460700
Shares Floating 8462669
Shares Outstanding 12460700
Shares Floating 8462669
Percent Insiders 4.63
Percent Institutions 66.41

ai summary icon Upturn AI SWOT

BankFinancial Corporation

stock logo

Company Overview

overview logo History and Background

BankFinancial Corporation was founded in 1934 and operates as the holding company for BankFinancial, F.S.B. It initially started as a savings and loan association.

business area logo Core Business Areas

  • Commercial Banking: Offers commercial real estate loans, business loans, and treasury management services to businesses.
  • Retail Banking: Provides deposit accounts, residential mortgage loans, and consumer loans to individuals.
  • Wealth Management: Offers financial planning, investment management, and trust services to individuals and families.

leadership logo Leadership and Structure

The leadership team consists of the CEO, CFO, and other key executives. The organizational structure includes departments for lending, retail banking, finance, and operations.

Top Products and Market Share

overview logo Key Offerings

  • Commercial Real Estate Loans: Provides financing for commercial properties. Market share data is not publicly available. Competitors include regional and national banks like Wintrust Financial Corporation (WTFC) and First Midwest Bancorp (now part of Old National Bancorp).
  • Residential Mortgage Loans: Offers mortgage products for home purchases and refinancing. Market share data is not publicly available. Competitors include mortgage lenders like Rocket Mortgage and United Wholesale Mortgage.
  • Deposit Accounts: Provides checking, savings, and money market accounts. Market share data is not publicly available. Competitors include local and national banks.

Market Dynamics

industry overview logo Industry Overview

The banking industry is currently characterized by increasing interest rates, regulatory scrutiny, and competition from non-bank financial institutions.

Positioning

BankFinancial Corporation is a community-oriented bank focused on serving businesses and individuals in the Chicago metropolitan area. Its competitive advantage lies in its local market expertise and customer relationships.

Total Addressable Market (TAM)

The TAM for banking services in the Chicago metropolitan area is estimated to be in the billions of dollars. BankFinancial Corporation holds a small share and focuses on specific market segments.

Upturn SWOT Analysis

Strengths

  • Strong local market presence
  • Experienced management team
  • Conservative lending practices
  • Customer relationships

Weaknesses

  • Limited geographic diversification
  • Smaller size compared to national banks
  • Dependence on interest rate environment
  • Lack of diversified product lines

Opportunities

  • Expansion into new markets within Illinois
  • Increased demand for commercial real estate loans
  • Growth in wealth management services
  • Strategic acquisitions

Threats

  • Increased competition from larger banks
  • Rising interest rates
  • Economic downturn
  • Regulatory changes

Competitors and Market Share

competitor logo Key Competitors

  • WTFC
  • ONB
  • MBWM

Competitive Landscape

BankFinancial competes with larger regional and national banks, as well as credit unions and non-bank financial institutions. Its advantages include local market knowledge and personalized service.

Growth Trajectory and Initiatives

Historical Growth: BankFinancial's growth has been steady, driven by organic loan growth and expansion of its service offerings.

Future Projections: Analyst estimates suggest moderate growth for BankFinancial Corporation, driven by commercial lending and wealth management.

Recent Initiatives: Recent initiatives include investments in technology to improve customer experience and expansion of its commercial lending team.

Summary

BankFinancial Corporation is a community bank with a strong presence in the Chicago area. It benefits from experienced management and a focus on customer relationships. However, it faces competition from larger institutions and must navigate a challenging interest rate environment. To ensure continued success, BankFinancial should invest in technology, consider strategic acquisitions and evaluate expansion to new regions.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company Website
  • SEC Filings
  • Analyst Reports (where available publicly)

Disclaimers:

This analysis is based on publicly available information and is for informational purposes only. It does not constitute investment advice. Market share data is estimated and may not be precise.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.

About BankFinancial Corporation

Exchange NASDAQ
Headquaters Burr Ridge, IL, United States
IPO Launch date 2005-06-28
Chairman, CEO & President Mr. F. Morgan Gasior
Sector Financial Services
Industry Banks - Regional
Full time employees 190
Full time employees 190

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.