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Upturn AI SWOT - About
BankFinancial Corporation (BFIN)
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Upturn Advisory Summary
11/05/2025: BFIN (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
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
| 1 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 19.22% | Avg. Invested days 61 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 11/05/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 139.19M USD | Price to earnings Ratio 58.79 | 1Y Target Price 11.75 |
Price to earnings Ratio 58.79 | 1Y Target Price 11.75 | ||
Volume (30-day avg) 2 | Beta 0.37 | 52 Weeks Range 10.59 - 13.63 | Updated Date 11/6/2025 |
52 Weeks Range 10.59 - 13.63 | Updated Date 11/6/2025 | ||
Dividends yield (FY) 3.52% | Basic EPS (TTM) 0.19 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-11-05 | When After Market | Estimate 0.17 | Actual 0.19 |
Profitability
Profit Margin 4.98% | Operating Margin (TTM) 21.97% |
Management Effectiveness
Return on Assets (TTM) 0.16% | Return on Equity (TTM) 1.46% |
Valuation
Trailing PE 58.79 | Forward PE 15.08 | Enterprise Value 75116696 | Price to Sales(TTM) 2.99 |
Enterprise Value 75116696 | Price to Sales(TTM) 2.99 | ||
Enterprise Value to Revenue 3.48 | Enterprise Value to EBITDA - | Shares Outstanding 12460678 | Shares Floating 8462669 |
Shares Outstanding 12460678 | Shares Floating 8462669 | ||
Percent Insiders 4.63 | Percent Institutions 66.22 |
Upturn AI SWOT
BankFinancial Corporation
Company Overview
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.
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 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
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
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
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.
Similar Stocks
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.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
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 184 | Website https://www.bankfinancial.com |
Full time employees 184 | Website https://www.bankfinancial.com | ||
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.
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