BFIN:NSD-BankFinancial Corporation (USD)

COMMON STOCK | Banks-Regional | NSD

Last Closing Price

USD 10.41

Change

+0.15 (+1.46)%

Market Cap

USD 0.15B

Volume

0.08M

Average Target Price

N/A
Average Analyst Rating

N/A

Fundamental Analysis

Verdict

About

BankFinancial Corporation operates as the bank holding company for BankFinancial, National Association that provides various commercial, family, and personal banking products and services. The company accepts various deposit products, including savings, NOW, checking, money market, IRA, and other retirement accounts, as well as certificates of deposit. Its loan products include multi-family and nonresidential real estate, construction and land, and commercial loans and leases; one-to-four family residential mortgage loans, including home equity loans and lines of credit; and consumer loans. The company also provides cash management, fund transfer, bill payment, other online and mobile banking transactions, automated teller machines, safe deposit boxes, trust, wealth management, and general insurance agency services. In addition, it offers financial planning services; and sells property and casualty, and other insurance products on an agency basis. The company operates 19 full-service banking offices located in Cook, DuPage, Lake, and Will Counties, Illinois. BankFinancial Corporation was founded in 1924 and is headquartered in Burr Ridge, Illinois.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2021-04-21 )

Largest Industry Peers for Banks-Regional

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
HBANN Huntington Bancshares Incorpor..

+0.22 (+0.85%)

USD28.17B 37.45 N/A
SIVB SVB Financial Group

+20.29 (+4.00%)

USD27.40B 22.20 N/A
FITB Fifth Third Bancorp

+0.92 (+2.52%)

USD26.91B 20.69 N/A
FITBI Fifth Third Bancorp

+0.03 (+0.11%)

USD19.92B 15.56 N/A
HBAN Huntington Bancshares Incorpor..

+0.33 (+2.18%)

USD15.51B 21.99 N/A
HBANO Huntington Bancshares Incorpor..

+0.02 (+0.08%)

USD13.19B 36.80 N/A
SBNY Signature Bank

+20.04 (+9.14%)

USD13.13B 22.88 N/A
CBSH Commerce Bancshares, Inc

+1.67 (+2.24%)

USD8.72B 20.67 N/A
ZION Zions Bancorporation, National..

+1.30 (+2.48%)

USD8.57B 17.33 N/A
FCNCA First Citizens BancShares, Inc

+20.87 (+2.51%)

USD8.05B 17.48 N/A

ETFs Containing BFIN

Symbol Name Weight Mer Price(Change) Market Cap

N/A

Market Performance

  Market Performance vs.
Industry/Classification (Banks-Regional)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 18.56% 46% F 68% D+
Dividend Return 1.14% 74% C 69% D+
Total Return 19.70% 47% F 69% D+
Trailing 12 Months  
Capital Gain 30.45% 19% F 33% F
Dividend Return 5.01% 71% C- 71% C-
Total Return 35.46% 21% F 34% F
Trailing 5 Years  
Capital Gain -16.32% 4% F 22% F
Dividend Return 13.75% 33% F 53% F
Total Return -2.57% 4% F 24% F
Average Annual (5 Year Horizon)  
Capital Gain -7.70% 8% F 15% F
Dividend Return 2.51% 58% F 64% D
Total Return -5.20% 10% F 16% F
Risk Return Profile  
Volatility (Standard Deviation) 23.38% 57% F 68% D+
Risk Adjusted Return -22.23% 11% F 14% F
Market Capitalization 0.15B 23% F 28% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 87%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Banks-Regional)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 16.82 36% F 57% F
Price/Book Ratio 0.87 92% A- 94% A
Price / Cash Flow Ratio 11.10 52% F 37% F
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 5.28% 22% F 63% D
Return on Invested Capital 5.22% 56% F 67% D+
Return on Assets 0.59% 22% F 53% F
Debt to Equity Ratio 2.31% 95% A 85% B
Technical Ratios  
Short Ratio 4.30 24% F 25% F
Short Percent 1.84% 33% F 67% D+
Beta 0.65 79% C+ 80% B-
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Underpriced compared to book value

The stock is trading low compared to its peers on a price to book value basis and is in the top quartile. It may be underpriced but do check its financial performance to make sure there is no specific reason.

Low debt

The company is less leveraged than its peers ,, and is among the top quartile, which makes it more flexible. However, do check the news and look at its sector. Sometimes this is low because the company is not growing and has no growth potential.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

What to not like:
Low market capitalization

This is among the smaller entities in its sectors with below median market capitalization. That may make it less stable in the long run unless it has a unique technology or market which can help it grow or get acquired in future.

Poor risk adjusted returns

This company is delivering below median risk adjusted returns in its peers. Even if it is outperforming on returns , the returns are unpredictable. Proceed with caution.

Below median dividend returns

The company’s average income yield over the past 5 years has been low compared to its peers. However, it is not a problem if you are not looking for income.

Overpriced compared to earnings

The stock is trading high compared to its peers on a price to earning basis and is above the sector median.

Poor return on equity

The company management has delivered below median return on equity in the most recent 4 quarters compared to its peers.

Poor return on assets

The company management has delivered below median return on assets in the most recent 4 quarters compared to its peers.

Low Earnings Growth

This stock has shown below median earnings growth in the previous 5 years compared to its sector

Low Revenue Growth

This stock has shown below median revenue growth in the previous 5 years compared to its sector