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BankFinancial Corporation (BFIN)
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Upturn Advisory Summary
12/05/2025: BFIN (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 19.8% | Avg. Invested days 53 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 12/05/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 151.15M USD | Price to earnings Ratio 63.84 | 1Y Target Price 11.75 |
Price to earnings Ratio 63.84 | 1Y Target Price 11.75 | ||
Volume (30-day avg) 2 | Beta 0.36 | 52 Weeks Range 10.50 - 13.38 | Updated Date 12/7/2025 |
52 Weeks Range 10.50 - 13.38 | Updated Date 12/7/2025 | ||
Dividends yield (FY) 3.29% | Basic EPS (TTM) 0.19 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 4.98% | Operating Margin (TTM) 21.97% |
Management Effectiveness
Return on Assets (TTM) 0.16% | Return on Equity (TTM) 1.46% |
Valuation
Trailing PE 63.84 | Forward PE 15.08 | Enterprise Value 84836024 | Price to Sales(TTM) 3.25 |
Enterprise Value 84836024 | Price to Sales(TTM) 3.25 | ||
Enterprise Value to Revenue 3.39 | Enterprise Value to EBITDA - | Shares Outstanding 12460678 | Shares Floating 8540923 |
Shares Outstanding 12460678 | Shares Floating 8540923 | ||
Percent Insiders 4.63 | Percent Institutions 67.02 |
Upturn AI SWOT
BankFinancial Corporation
Company Overview
History and Background
BankFinancial Corporation, founded in 1925, is a bank holding company headquartered in Downers Grove, Illinois. It operates as the parent company of BankFinancial, National Association. Over its history, it has evolved from a community-focused savings and loan association to a publicly traded entity with a broader banking reach. Significant milestones include its conversion to a federal savings bank and subsequent public offering.
Core Business Areas
- Community Banking: Provides a range of deposit and loan products to individuals, families, and small to medium-sized businesses, primarily within its geographic footprint in the Chicago metropolitan area. This includes checking and savings accounts, money market accounts, certificates of deposit, residential mortgages, commercial real estate loans, construction loans, and commercial and industrial loans.
- Mortgage Banking: Originates and sells residential mortgage loans. While a significant portion is sold on the secondary market, the company also retains some loans for its portfolio.
Leadership and Structure
BankFinancial Corporation is led by a Board of Directors and an executive management team. The specific individuals and their roles would be detailed in the company's annual reports and proxy statements, typically including a Chairman, President, CEO, CFO, and heads of key operational divisions.
Top Products and Market Share
Key Offerings
- Competitors: JPMorgan Chase, Bank of America, Wells Fargo, BMO Harris Bank, Fifth Third Bank, other local community banks.
- Description: Core deposit products offered to individuals and businesses for saving and transaction purposes. Competitors include large national banks, regional banks, and other community banks.
- Market Share Data: Not publicly available at a granular product level for BankFinancial Corporation, but as a community bank, its market share within its specific geographic focus areas is relevant.
- Product Name 1: Deposit Accounts (Checking, Savings, CDs)
- Competitors: Rocket Mortgage, U.S. Bank Home Mortgage, Wells Fargo Home Mortgage, Quicken Loans, local lenders.
- Description: Offers a variety of mortgage products for home purchases and refinances. Competitors range from national mortgage lenders to local banks and credit unions.
- Market Share Data: Not publicly available at a granular product level for BankFinancial Corporation. The mortgage market is highly fragmented.
- Product Name 2: Residential Mortgages
- Competitors: BMO Harris Bank, Fifth Third Bank, PNC Bank, Wintrust Financial Corporation, other regional and national banks.
- Description: Provides financing for commercial properties to businesses and real estate investors. Competitors include larger commercial banks and specialized lenders.
- Market Share Data: Not publicly available at a granular product level for BankFinancial Corporation.
- Product Name 3: Commercial Real Estate Loans
Market Dynamics
Industry Overview
The banking industry in the US is mature and highly competitive, characterized by a focus on interest rate sensitivity, regulatory compliance, and technological innovation. Community banks like BankFinancial operate in a challenging environment with pressure from larger institutions, fintech disruptors, and evolving customer expectations.
Positioning
BankFinancial Corporation is positioned as a community-focused bank with a strong presence in the Chicago metropolitan area. Its competitive advantages lie in its local market knowledge, personalized customer service, and established relationships. However, it faces challenges in competing with the scale and resources of larger national banks.
Total Addressable Market (TAM)
The TAM for banking services is vast, encompassing all individuals and businesses requiring financial products. For BankFinancial Corporation, the TAM is primarily the deposit and lending needs of individuals and businesses within its operational footprint in the Chicago metropolitan area. While the overall TAM is enormous, the company's addressable market is more focused on its geographic and customer segment reach.
Upturn SWOT Analysis
Strengths
- Strong local market presence and brand recognition in the Chicago metropolitan area.
- Customer-centric approach and personalized service.
- Experienced management team with deep knowledge of the local market.
- Solid capital position.
Weaknesses
- Limited geographic diversification, making it susceptible to regional economic downturns.
- Smaller scale compared to national and large regional banks, potentially limiting product offerings and technological investment.
- Reliance on traditional banking models in an era of digital disruption.
- Potentially slower decision-making processes compared to more agile competitors.
Opportunities
- Expansion into adjacent geographic markets through organic growth or acquisitions.
- Leveraging technology to enhance digital banking services and customer experience.
- Cross-selling opportunities with existing customer base.
- Partnerships with fintech companies to offer innovative solutions.
- Focusing on niche lending segments where it has a competitive edge.
Threats
- Intensifying competition from larger banks, credit unions, and fintech companies.
- Rising interest rate environment impacting net interest margins.
- Cybersecurity threats and data breaches.
- Increasing regulatory burden and compliance costs.
- Economic slowdown or recession impacting loan demand and credit quality.
Competitors and Market Share
Key Competitors
- BMO Harris Bank (US)
- Fifth Third Bank (US)
- PNC Bank (US)
- Wintrust Financial Corporation (US)
Competitive Landscape
BankFinancial Corporation faces intense competition in the Chicago market. Its advantages include personalized service and local expertise, which can resonate with small businesses and individuals seeking a more relationship-based banking experience. However, its disadvantages include a smaller marketing budget, limited branch network compared to larger rivals, and potentially less advanced technological offerings, making it challenging to compete on price or convenience for some customer segments.
Growth Trajectory and Initiatives
Historical Growth: Historically, BankFinancial Corporation's growth has been tied to the economic conditions of the Chicago metropolitan area and its strategic decisions regarding loan portfolio expansion and deposit gathering. Growth in assets, loans, and deposits would be key indicators. (Specific historical growth data requires access to financial data sources).
Future Projections: Future growth projections for BankFinancial Corporation would depend on factors such as interest rate trends, economic conditions in its operating region, its ability to attract new customers, and the success of any strategic initiatives. Analyst estimates, if available, would provide insights into expected future performance.
Recent Initiatives: Recent initiatives might include investments in digital banking platforms, targeted marketing campaigns to attract specific customer segments, or efforts to optimize operational efficiency. Specific initiatives would be detailed in the company's investor relations communications.
Summary
BankFinancial Corporation is a community bank with a solid foundation in the Chicago metropolitan area, leveraging its local expertise and personalized service. Its strengths lie in customer relationships and a stable capital position, while its weaknesses stem from its smaller scale and regional focus. Opportunities exist in digital expansion and niche market growth, but it faces threats from larger, more technologically advanced competitors and economic uncertainties. Continued focus on customer retention and strategic digital investment will be crucial for its sustained success.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Investor Relations (Annual Reports, Quarterly Filings - 10-K, 10-Q)
- Financial Data Aggregators (e.g., Yahoo Finance, Bloomberg, Refinitiv - specific data points for performance, dividends, historical returns)
- Industry Analysis Reports (for market dynamics and TAM)
Disclaimers:
This JSON output is for informational purposes only and does not constitute financial advice. The information provided is based on publicly available data and general industry knowledge. Market share data is illustrative and may not represent precise current figures. Financial performance metrics and projections are subject to change and require up-to-date verification from official company filings and reputable financial data sources. Investors should conduct their own due diligence before making any investment decisions.
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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