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Upturn AI SWOT - About
BankFinancial Corporation (BFIN)
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Upturn Advisory Summary
08/28/2025: 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 27.68% | Avg. Invested days 56 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 154.26M USD | Price to earnings Ratio 77.38 | 1Y Target Price 11.75 |
Price to earnings Ratio 77.38 | 1Y Target Price 11.75 | ||
Volume (30-day avg) 2 | Beta 0.39 | 52 Weeks Range 10.59 - 13.63 | Updated Date 08/28/2025 |
52 Weeks Range 10.59 - 13.63 | Updated Date 08/28/2025 | ||
Dividends yield (FY) 3.20% | Basic EPS (TTM) 0.16 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-08-26 | When - | Estimate 0.17 | Actual -0.03 |
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 77.38 | Forward PE 15.08 | Enterprise Value 56512476 | Price to Sales(TTM) 3.39 |
Enterprise Value 56512476 | Price to Sales(TTM) 3.39 | ||
Enterprise Value to Revenue 3.56 | Enterprise Value to EBITDA - | Shares Outstanding 12460700 | Shares Floating 8462669 |
Shares Outstanding 12460700 | Shares Floating 8462669 | ||
Percent Insiders 4.63 | Percent Institutions 66.41 |
Upturn AI SWOT
BankFinancial Corporation
Company Overview
History and Background
BankFinancial Corporation was founded in 1934 as a savings and loan institution in Chicago, Illinois. It has grown organically and through acquisitions to become a community-oriented financial institution serving individuals and businesses.
Core Business Areas
- Commercial Banking: Provides a range of lending and deposit services to businesses, including commercial real estate loans, equipment financing, and working capital lines of credit.
- Retail Banking: Offers traditional banking services to individuals, such as checking and savings accounts, mortgages, and consumer loans.
- Wealth Management: Provides financial planning, investment management, and trust services to individuals and families.
Leadership and Structure
The leadership team consists of the Chief Executive Officer, Chief Financial Officer, and other senior executives. The organizational structure includes various departments such as lending, finance, operations, and compliance.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties. Market share data not publicly available. Competitors include other regional and national banks, credit unions, and private lenders.
- Residential Mortgages: Mortgage loans for home purchases. Market share data not publicly available. Competitors include other regional and national banks, mortgage companies, and credit unions.
- Checking and Savings Accounts: Traditional banking accounts for individuals and businesses. Market share data not publicly available. Competitors include other regional and national banks, credit unions, and online banks.
Market Dynamics
Industry Overview
The banking industry is facing increased competition from fintech companies and regulatory changes. Interest rates and economic conditions play a significant role in profitability.
Positioning
BankFinancial Corporation is a community-focused bank with a strong presence in the Chicago metropolitan area. It differentiates itself through personalized service and local expertise.
Total Addressable Market (TAM)
The TAM for banking services in the Chicago area is substantial, estimated in the billions of dollars. BankFinancial Corporation is positioned to capture a portion of this market through its local presence and community focus.
Upturn SWOT Analysis
Strengths
- Strong local presence in the Chicago area
- Established customer relationships
- Experienced management team
- Conservative lending practices
- Strong Capital Ratios
Weaknesses
- Limited geographic diversification
- Smaller scale compared to national banks
- Dependence on traditional banking products
- Lower brand awareness compared to larger banks
Opportunities
- Expanding into new markets through acquisitions
- Developing new digital banking products
- Increasing wealth management services
- Benefiting from economic growth in the Chicago area
Threats
- Increased competition from fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- Wintrust Financial Corporation (WTFC)
- First Midwest Bancorp (FMBI)
- Old Second Bancorp (OSBC)
Competitive Landscape
BankFinancial Corporation competes with larger regional and national banks, as well as smaller community banks. Its competitive advantages include its local presence and personalized service.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been moderate, driven by organic growth and strategic acquisitions.
Future Projections: Future growth projections are dependent on market conditions and strategic initiatives. Analyst estimates should be consulted.
Recent Initiatives: Recent initiatives may include branch expansions, technology upgrades, and new product launches.
Summary
BankFinancial Corporation is a community-focused bank with a solid foundation in the Chicago area. It benefits from established customer relationships and a conservative lending approach. However, it faces challenges from larger competitors and the evolving financial landscape. To ensure long-term growth, BankFinancial should focus on expanding its digital offerings and strengthening its market position.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Financial News Outlets
- Analyst Reports
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Actual results may vary.
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 190 | Website https://www.bankfinancial.com |
Full time employees 190 | 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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