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Upturn AI SWOT - About
BankFinancial Corporation (BFIN)
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Upturn Advisory Summary
07/14/2025: 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 $13.5
1 Year Target Price $13.5
| 1 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 27.46% | Avg. Invested days 67 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 07/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 146.04M USD | Price to earnings Ratio 32.56 | 1Y Target Price 13.5 |
Price to earnings Ratio 32.56 | 1Y Target Price 13.5 | ||
Volume (30-day avg) 2 | Beta 0.36 | 52 Weeks Range 10.35 - 13.75 | Updated Date 07/13/2025 |
52 Weeks Range 10.35 - 13.75 | Updated Date 07/13/2025 | ||
Dividends yield (FY) 3.46% | 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 32.56 | Forward PE 15.08 | Enterprise Value -841955 | Price to Sales(TTM) 3.01 |
Enterprise Value -841955 | Price to Sales(TTM) 3.01 | ||
Enterprise Value to Revenue 3.36 | Enterprise Value to EBITDA - | Shares Outstanding 12460700 | Shares Floating 8487591 |
Shares Outstanding 12460700 | Shares Floating 8487591 | ||
Percent Insiders 4.63 | Percent Institutions 63.27 |
Upturn AI SWOT
BankFinancial Corporation
Company Overview
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.
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 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
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
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
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.
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 191 | Website https://www.bankfinancial.com |
Full time employees 191 | 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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