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BankFinancial Corporation (BFIN)



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Upturn Advisory Summary
02/07/2025: BFIN (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Analysis of Past Performance
Type Stock | Historic Profit 9.37% | Avg. Invested days 49 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating ![]() ![]() | Upturn Advisory Performance ![]() | Stock Returns Performance ![]() |
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Key Highlights
Company Size Small-Cap Stock | Market Capitalization 166.10M USD | Price to earnings Ratio 40.39 | 1Y Target Price 12.75 |
Price to earnings Ratio 40.39 | 1Y Target Price 12.75 | ||
Volume (30-day avg) 19894 | Beta 0.45 | 52 Weeks Range 9.35 - 13.97 | Updated Date 02/9/2025 |
52 Weeks Range 9.35 - 13.97 | Updated Date 02/9/2025 | ||
Dividends yield (FY) 3.02% | Basic EPS (TTM) 0.33 |
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-01-29 | When Before Market | Estimate 0.23 | Actual -0.14 |
Profitability
Profit Margin 14.57% | Operating Margin (TTM) 21.57% |
Management Effectiveness
Return on Assets (TTM) 0.54% | Return on Equity (TTM) 5.06% |
Valuation
Trailing PE 40.39 | Forward PE 22.17 | Enterprise Value 43297768 | Price to Sales(TTM) 3.06 |
Enterprise Value 43297768 | Price to Sales(TTM) 3.06 | ||
Enterprise Value to Revenue 3.76 | Enterprise Value to EBITDA - | Shares Outstanding 12460700 | Shares Floating 8191027 |
Shares Outstanding 12460700 | Shares Floating 8191027 | ||
Percent Insiders 4.63 | Percent Institutions 59.88 |
AI Summary
BankFinancial Corporation: A Comprehensive Overview
Company Profile:
Detailed history and background:
BankFinancial Corporation (BFC), established in 1998, is a bank holding company headquartered in Newton, Massachusetts. Initially operating as New England Bancshares, Inc., it changed its name to BankFinancial Corporation in 2007. BFC operates through its subsidiary, Bank of New England, offering a range of financial solutions to individuals and businesses.
Core Business Areas:
BFC focuses on three primary business segments:
- Commercial Banking: This segment provides lending, deposit, and treasury management services to small and medium-sized businesses.
- Retail Banking: This segment offers deposit accounts, consumer loans, mortgages, and wealth management services to individuals.
- Mortgage Banking: This segment originates and sells residential mortgage loans.
Leadership Team and Corporate Structure:
BFC's leadership team is headed by President and CEO, Jack Harrington, who has extensive experience in the financial services industry. The Board of Directors comprises individuals with expertise in banking, finance, and law. BFC operates through a decentralized structure with regional offices in Massachusetts, Rhode Island, and Connecticut.
Top Products and Market Share:
Top Products and Offerings:
- Commercial loans and lines of credit
- Deposit accounts (checking, savings, CDs)
- Consumer loans (auto, personal)
- Mortgages
- Treasury management services
- Wealth management services
Market Share:
BFC holds a small market share in the U.S. banking industry. As of 2022, its market share was estimated to be less than 1%. However, it holds a stronger presence in its regional markets, particularly in Massachusetts, where it has a market share of approximately 2.5%.
Product Performance and Market Reception:
BFC's products have received generally positive reviews, with customers praising their competitive rates and personalized service. However, the company faces stiff competition from larger national and regional banks.
Total Addressable Market:
The total addressable market for BFC is the U.S. banking industry, which is estimated to be worth over $17 trillion in assets. The market is highly fragmented, with numerous players ranging from large national banks to community banks.
Financial Performance:
Recent Financial Performance:
BFC's recent financial performance has been mixed. The company reported net income of $34.3 million in 2022, compared to $30.5 million in 2021. Revenue has also increased steadily in recent years. However, profitability remains a concern, with net profit margins below industry averages.
Year-over-Year Performance:
BFC's year-over-year financial performance has been positive, with revenue and net income growing in both 2021 and 2022. However, the company still faces challenges in improving profitability.
Cash Flow and Balance Sheet Health:
BFC's cash flow has been stable in recent years, with positive operating cash flow. The company's balance sheet is also relatively strong, with a low debt-to-equity ratio.
Dividends and Shareholder Returns:
Dividend History:
BFC has a history of paying dividends, with a current annual dividend yield of approximately 2.5%. The company has increased its dividend payout in recent years.
Shareholder Returns:
BFC's total shareholder returns have been positive in recent years, outperforming the broader market. However, the stock price has been volatile, reflecting the company's challenges in achieving consistent profitability.
Growth Trajectory:
Historical Growth:
BFC has experienced moderate growth in recent years, with revenue and net income growing at a steady pace. The company has also expanded its branch network and product offerings.
Future Growth Projections:
BFC's future growth prospects are uncertain. The company faces challenges from larger competitors and a highly competitive banking industry. However, BFC's focus on its regional markets and its expanding product offerings could provide opportunities for future growth.
Market Dynamics:
Industry Trends:
The U.S. banking industry is undergoing significant changes, driven by technological advancements and changing customer preferences. Banks are increasingly adopting digital technologies to improve customer experience and reduce costs. They are also facing new competition from fintech companies offering innovative financial products and services.
Company Positioning:
BFC is well-positioned in its regional markets, with a strong brand and loyal customer base. However, the company needs to continue investing in technology and innovation to remain competitive in the long term.
Competitors:
Key Competitors:
- Bank of America (BAC)
- JPMorgan Chase (JPM)
- Wells Fargo (WFC)
- Citizens Financial Group (CFG)
- Eastern Bank (EBC)
Market Share Comparison:
BFC has a significantly smaller market share than its larger competitors. However, it holds a stronger position in its regional markets compared to national banks.
Competitive Advantages and Disadvantages:
BFC's competitive advantages include its strong regional presence, personalized customer service, and focus on niche markets. However, it faces disadvantages due to its smaller size, limited product offerings, and lower profitability compared to larger competitors.
Potential Challenges and Opportunities:
Key Challenges:
- Competition from larger banks and fintech companies
- Maintaining profitability in a low-interest-rate environment
- Keeping up with technological advancements
Potential Opportunities:
- Expanding into new markets
- Developing innovative financial products and services
- Partnering with fintech companies
Recent Acquisitions:
BFC has not made any significant acquisitions in the last 3 years. The company has primarily focused on organic growth through branch expansion and product development.
AI-Based Fundamental Rating:
Based on an AI-based analysis of BFC's financial health, market position, and future prospects, the company receives a rating of 6.5 out of 10. This rating reflects BFC's strong regional presence, positive financial performance in recent years, and potential for future growth. However, the company's smaller size, limited product offerings, and competitive challenges raise concerns about its long-term profitability and market share potential.
Sources and Disclaimers:
This overview is based on information from the following sources:
- BankFinancial Corporation website
- Securities and Exchange Commission (SEC) filings
- Bloomberg
- S&P Global Market Intelligence
This information is provided for educational purposes only and should not be considered financial advice. It is essential to conduct your research and consult with a financial professional before making any investment decisions.
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 198 | Website https://www.bankfinancial.com |
Full time employees 198 | 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 various financial products and services, including cash management, funds transfers, bill payment and other online and mobile banking transactions, trust, wealth management, 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 internet branch, bankfinancial.com. BankFinancial Corporation was founded in 1924 and is headquartered in Burr Ridge, Illinois.
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