Bank Financial Corp - Understand $bfin stock

$BFIN Market Cap: $170.5 Million

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Financial Snapshot

Revenue

$2.558M

TTM

Gross Margin

Net Earnings

$7.916M

TTM

Current Assets

Current Liabilities

$12.20M

Q3 2024

Current Ratio

Total Assets

$1.418B

Q3 2024

Total Liabilities

$1.259B

Q3 2024

Book Value

$159.1M

Q3 2024

Cash

$138.3M

Q3 2024

P/E

21.53

Nov 29, 2024 EST

Free Cash Flow

$5.392M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003
Revenue	$3.318M	$3.271M	$46.57M	$52.88M	$65.41M	$61.29M	$56.18M	$50.93M	$48.96M	$49.35M	$49.39M	$60.73M	$69.71M	$64.94M
YoY Change	1.44%	-92.98%	-11.93%	-19.16%	6.72%	9.09%	10.31%	4.02%	-0.78%	-0.09%	-18.67%	-12.88%	7.35%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Revenue	$3.318M	$3.271M	$46.57M	$52.88M	$65.41M	$61.29M	$56.18M	$50.93M	$48.96M	$49.35M	$49.39M	$60.73M	$69.71M	$64.94M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$1.541M	$1.262M	$2.072M	$1.791M	$1.600M	$1.500M	$2.000M	$2.000M	$2.100M	$2.200M	$2.900M	$3.100M	$3.100M	$3.200M	$6.450M	$6.240M	$6.130M	$5.780M	$6.180M	$6.340M	$7.740M
YoY Change	22.11%	-39.09%	15.69%	11.94%	6.67%	-25.0%	0.0%	-4.76%	-4.55%	-24.14%	-6.45%	0.0%	-3.13%	-50.39%	3.37%	1.79%	6.06%	-6.47%	-2.52%	-18.09%	2.25%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Interest Expense	$14.33M	$4.481M	$2.794M	$6.988M	$13.22M	$9.217M	$6.089M	$3.970M	$2.814M	$3.046M	$3.653M	$4.447M	$6.915M	$13.19M
YoY Change	219.71%	60.38%	-60.02%	-47.13%	43.4%	51.37%	53.38%	41.08%	-7.62%	-16.62%	-17.85%	-35.69%	-47.56%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003
Pretax Income	$12.75M	$13.84M	$9.758M	$12.76M	$15.90M	$26.05M	$16.19M	$12.20M	$14.10M	$9.297M	$3.298M	-$27.11M	-$36.32M	-$7.054M	-$750.0K	-$31.44M	$10.12M	$14.87M	$15.35M	$1.190M	-$16.99M
YoY Change	-7.83%	41.78%	-23.53%	-19.73%	-38.97%	60.85%	32.74%	-13.48%	51.66%	181.9%	-112.17%	-25.36%	414.9%	840.53%	-97.61%	-410.67%	-31.94%	-3.13%	1189.92%	-107.0%	-393.44%
Income Tax	$3.359M	$3.341M	$2.348M	$3.597M	$4.225M	$6.706M	$7.190M	$4.698M	$5.425M	-$31.32M	$0.00	$0.00	$12.38M	-$2.747M	-$10.00K	-$12.05M	$2.960M	$4.830M	$4.280M	-$260.0K	-$7.420M
% Of Pretax Income	26.34%	24.15%	24.06%	28.19%	26.58%	25.74%	44.4%	38.51%	38.48%	-336.85%	0.0%						29.25%	32.48%	27.88%	-21.85%
Net Earnings	$9.393M	$10.49M	$7.410M	$9.163M	$11.67M	$19.34M	$9.004M	$7.502M	$8.675M	$40.61M	$3.298M	-$27.11M	-$48.70M	-$4.307M	-$740.0K	-$19.39M	$7.160M	$10.05M	$6.620M	$0.00	-$9.580M
YoY Change	-10.49%	41.62%	-19.13%	-21.5%	-39.65%	114.82%	20.02%	-13.52%	-78.64%	1131.47%	-112.17%	-44.33%	1030.62%	482.03%	-96.18%	-370.81%	-28.76%	51.81%		-100.0%	-289.7%
Net Earnings / Revenue	283.09%	320.82%	15.91%	17.33%	17.84%	31.56%	16.03%	14.73%	17.72%	82.3%	6.68%	-44.64%	-69.86%	-6.63%
Basic Earnings Per Share	$0.74	$0.80	$0.53		$0.75	$1.11	$0.49	$0.40	$0.44	$2.01	$0.16	-$1.36	-$2.46	-$0.22
Diluted Earnings Per Share	$0.74	$0.80	$528.1K	$612.8K	$748.5K	$1.11	$0.49	$0.39	$0.44	$2.01	$0.16	-$1.36	-$2.46	-$0.22	-$0.04	-$0.98	$0.35	$0.45	$0.29	$0.00	-$0.39

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$22.95M	$28.66M	$29.92M	$29.75M	$36.04M	$25.21M	$24.86M	$31.41M	$32.70M	$34.30M	$35.30M	$38.30M	$39.20M	$32.50M	$34.60M	$34.60M	$34.50M	$35.00M	$32.80M	$33.00M	$33.00M
YoY Change	-19.93%	-4.2%	0.57%	-17.45%	42.98%	1.4%	-20.87%	-3.94%	-4.66%	-2.83%	-7.83%	-2.3%	20.62%	-6.07%	0.0%	0.29%	-1.43%	6.71%	-0.61%	0.0%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets	$5.035M	$5.175M	$2.762M	$2.741M	$3.873M	$6.235M	$18.23M	$22.41M	$26.70M	$31.60M				$9.300M	$6.600M
YoY Change	-2.71%	87.36%	0.77%	-29.23%	-37.88%	-65.8%	-18.66%	-16.06%	-15.51%					40.91%
Total Long-Term Assets
YoY Change
Total Assets	$1.487B	$1.575B	$1.701B	$1.597B	$1.488B	$1.585B	$1.626B	$1.620B	$1.512B	$1.465B	$1.454B	$1.481B	$1.564B	$1.531B	$1.567B	$1.555B	$1.481B	$1.613B	$1.614B	$1.493B	$1.458B
YoY Change
Accounts Payable	$12.75M	$16.52M	$17.33M	$12.62M	$12.76M	$14.11M	$15.46M	$13.76M	$11.30M	$13.20M	$11.80M	$9.700M	$10.90M	$10.90M	$11.10M	$9.600M	$11.80M	$11.10M	$18.40M	$10.40M	$11.60M
YoY Change	-22.78%	-4.66%	37.25%	-1.05%	-9.6%	-8.73%	12.38%	21.74%	-14.39%	11.86%	21.65%	-11.01%	0.0%	-1.8%	15.63%	-18.64%	6.31%	-39.67%	76.92%	-10.34%
Accrued Expenses	$3.943M	$3.707M	$4.877M	$5.075M	$5.846M
YoY Change	6.37%	-23.99%	-3.9%	-13.19%
Deferred Revenue
YoY Change
Short-Term Debt					$61.00K	$1.049M	$768.0K	$51.07M	$64.30M	$12.90M	$3.100M	$2.600M	$6.300M	$7.700M	$7.200M	$11.50M	$14.90M	$8.100M	$6.200M	$33.90M	$32.90M
YoY Change					-94.18%	36.59%	-98.5%	-20.58%	398.45%	316.13%	19.23%	-58.73%	-18.18%	6.94%	-37.39%	-22.82%	83.95%	30.65%	-81.71%	3.04%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$16.70M	$20.22M	$22.20M	$17.70M	$18.60M	$14.11M	$15.46M	$13.76M	$75.60M	$26.10M	$14.90M	$12.30M	$17.20M	$18.60M	$18.30M	$21.10M	$26.70M	$19.20M	$24.60M	$44.30M	$44.50M
YoY Change	-17.44%	-8.91%	25.45%	-4.86%	31.83%	-8.73%	12.38%	-81.8%	189.66%	75.17%	21.14%	-28.49%	-7.53%	1.64%	-13.27%	-20.97%	39.06%	-21.95%	-44.47%	-0.45%
Long-Term Debt	$19.68M	$19.63M	$19.59M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change	0.22%	0.22%
Other Long-Term Liabilities	$25.70M
YoY Change
Total Long-Term Liabilities	$45.38M	$19.63M	$19.59M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change	131.12%	0.22%
Total Liabilities	$1.332B	$1.423B	$1.543B	$1.424B	$1.314B	$1.398B	$1.428B	$1.415B	$1.300B	$1.249B	$1.278B	$1.308B	$1.364B	$1.277B	$1.303B	$1.288B	$1.189B	$1.287B	$1.286B	$1.398B	$1.361B
YoY Change	-6.43%	-7.76%	8.38%	8.39%	-6.05%	-2.08%	0.9%	8.86%	4.07%	-2.25%	-2.32%	-4.06%	6.76%	-1.99%	1.2%	8.28%	-7.61%	0.12%	-8.03%	2.7%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Basic Shares Outstanding	12.62M	13.07M	14.03M	15.59M shares	17.43M shares	18.28M shares	18.99M shares	19.92M shares	20.18M shares	20.02M shares	19.89M shares	19.77M shares	19.66M shares
Diluted Shares Outstanding					17.43M shares	18.28M shares	19.05M shares	19.92M shares	20.19M shares	20.03M shares	19.89M shares	19.77M shares	19.66M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $170.46 Million

About BankFinancial CORP

BankFinancial Corp. operates as a bank holding company. The company is headquartered in Burr Ridge, Illinois and currently employs 198 full-time employees. The company went IPO on 2005-06-24. The Bank is a full-service, national bank providing banking, wealth management and fiduciary services to individuals, families and businesses in the Chicago metropolitan area and on a regional or national basis for commercial finance, healthcare finance, equipment finance, commercial real estate finance and treasury management business customers. The Bank offers its customers a range of loan, deposit, trust and other financial products and services through approximately 18 full-service banking offices located in Cook, DuPage, Lake and Will Counties, Illinois, and through its Internet branch, www.bankfinancial.com. The company also offers a range of financial products and services that are related to loans and deposits, including cash management, funds transfers, bill payment and other online mobile banking transactions, trust services, wealth management and general insurance agency services.

Industry: Savings Institution, Federally Chartered Peers: COMMUNITY WEST BANCSHARES / EAGLE FINANCIAL SERVICES INC FIRST NORTHERN COMMUNITY BANCORP LANDMARK BANCORP INC Pathfinder Bancorp, Inc. PNC FINANCIAL SERVICES GROUP, INC.