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BFIN
Upturn stock ratingUpturn stock rating

BankFinancial Corporation (BFIN)

Upturn stock ratingUpturn stock rating
$11.57
Last Close (24-hour delay)
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PASS
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
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Upturn Advisory Summary

06/30/2025: BFIN (1-star) is currently NOT-A-BUY. Pass it for now.

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

Limited analyst coverage, niche firm, research info may be scarce.

1 Year Target Price $13.5

1 Year Target Price $13.5

Analysts Price Target For last 52 week
$13.5Target price
Low$9.69
Current$11.57
high$13.75

Analysis of Past Performance

Type Stock
Historic Profit 27.46%
Avg. Invested days 67
Today’s Advisory PASS
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 4.0
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 06/30/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 141.68M USD
Price to earnings Ratio 31.58
1Y Target Price 13.5
Price to earnings Ratio 31.58
1Y Target Price 13.5
Volume (30-day avg) 2
Beta 0.36
52 Weeks Range 9.69 - 13.75
Updated Date 06/29/2025
52 Weeks Range 9.69 - 13.75
Updated Date 06/29/2025
Dividends yield (FY) 3.52%
Basic EPS (TTM) 0.36

Analyzing Revenue: Products, Geography and Growth

Revenue by Products

Product revenue - Year on Year

Earnings Date

Report Date -
When -
Estimate -
Actual -

Profitability

Profit Margin 9.15%
Operating Margin (TTM) 19.89%

Management Effectiveness

Return on Assets (TTM) 0.3%
Return on Equity (TTM) 2.84%

Valuation

Trailing PE 31.58
Forward PE 15.08
Enterprise Value -3334091
Price to Sales(TTM) 2.92
Enterprise Value -3334091
Price to Sales(TTM) 2.92
Enterprise Value to Revenue 3.28
Enterprise Value to EBITDA -
Shares Outstanding 12460700
Shares Floating 8487591
Shares Outstanding 12460700
Shares Floating 8487591
Percent Insiders 4.63
Percent Institutions 63.27

Analyst Ratings

Rating 2
Target Price 13.5
Buy -
Strong Buy 1
Buy -
Strong Buy 1
Hold 1
Sell -
Strong Sell -
Strong Sell -

ai summary icon Upturn AI SWOT

BankFinancial Corporation

stock logo

Company Overview

overview logo History and Background

BankFinancial Corporation was founded in 1934 as a savings and loan association. It has evolved into a community bank providing financial services to individuals, families, and businesses in the Chicago metropolitan area.

business area logo Core Business Areas

  • Community Banking: Offers traditional banking services, including deposit accounts, loans, and other financial products to individuals and small businesses.
  • Commercial Real Estate Lending: Provides financing for commercial properties, including office buildings, retail spaces, and industrial facilities.

leadership logo Leadership and Structure

The leadership team consists of the CEO, CFO, and other executive officers. The organizational structure is typical of a community bank, with various departments overseeing different functions.

Top Products and Market Share

overview logo Key Offerings

  • Commercial Real Estate Loans: Financing for commercial properties in the Chicago metropolitan area. Market share is difficult to pinpoint precisely but is a fraction of the overall Chicago market. Competitors include larger regional and national banks like BMO Harris Bank and US Bank.
  • Residential Mortgages: Mortgage loans for residential properties. Market share is small. Competitors include Chase, Wells Fargo, and local mortgage brokers.
  • Deposit Accounts: Checking, savings, and money market accounts. Market share is modest. Competitors include Chase, Bank of America, and credit unions.

Market Dynamics

industry overview logo Industry Overview

The banking industry is currently facing challenges from rising interest rates, increased competition from fintech companies, and regulatory pressures.

Positioning

BankFinancial Corporation is a community bank focused on serving the needs of individuals and businesses in the Chicago area. It differentiates itself through personalized service and local expertise.

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's market share represents a small portion of this TAM.

Upturn SWOT Analysis

Strengths

  • Strong community relationships
  • Local market expertise
  • Experienced management team
  • Conservative lending practices

Weaknesses

  • Limited geographic reach
  • Smaller scale compared to larger competitors
  • Dependence on traditional banking products
  • Lower brand awareness

Opportunities

  • Expanding into new markets within the Chicago area
  • Developing new digital banking products
  • Acquiring smaller community banks
  • Increasing focus on commercial real estate lending

Threats

  • Rising interest rates
  • Increased competition from fintech companies
  • Regulatory changes
  • Economic downturn

Competitors and Market Share

competitor logo Key Competitors

  • JPM
  • WFC
  • KEY
  • BOH

Competitive Landscape

BankFinancial Corporation faces competition from larger national banks and smaller community banks. It seeks to differentiate itself through personalized service and local expertise.

Growth Trajectory and Initiatives

Historical Growth: BankFinancial Corporation's growth has been steady but moderate over the past several years.

Future Projections: Analyst estimates suggest modest growth in the coming years.

Recent Initiatives: Recent initiatives include investments in digital banking technology and expansion into new markets within the Chicago area.

Summary

BankFinancial Corporation is a stable community bank with a strong local presence in the Chicago area. It faces challenges from larger competitors and changing industry dynamics but has opportunities to grow through strategic initiatives and acquisitions. The company's conservative lending practices and experienced management team are key strengths. Staying on top of the economic landscape is key to the future of the company.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company filings, SEC reports, Analyst reports, Market data providers

Disclaimers:

The data provided is for informational purposes only and should not be considered investment advice. Market share estimates are approximate 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 191
Full time employees 191

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.