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Jan 2, 2026·SEC
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Dec 5, 2025·SEC
BankFinancial Corporation(BFIN)Earnings, Financials & Key Ratios
BFIN•NASDAQ•Banking & Credit
$12.00
36.4× P/E·Price updated Jun 20, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial real estate and multifamily lenders
AboutBankFinancial 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, funds 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.Show more
- Net Interest Income$48M-6.5%
- Total Revenue$74M+4.5%
- Net Income$4M-56.6%
- Return on Equity2.61%-57.3%
- Net Interest Margin3.38%-3.1%
- Efficiency Ratio59.43%-3.4%
- ROA0.28%-54.5%
- Equity / Assets10.9%+4.3%
- Book Value per Share12.55+1.9%
BFIN Price & Volume
BankFinancial Corporation (BFIN) stock price & volume — 10-year historical chart
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Stagnant Margins Challenge BankFinancial's Growth Outlook
Investment Thesis • Updated 2025Q3
VerdictNegative
Growth:Contracting
Profitability:Strained
Financial:Adequate
Cash Flow:Deteriorating
Primary Risk:Chicago real estate concentration
Key Thesis Takeaways
- BankFinancial Corporation faces significant headwinds as its net interest income has contracted from $13.0 million in 2023Q3 to $11.6 million by 2025Q3, reflecting limited core revenue growth.
- The bank's heavy geographic concentration in the Chicago multi-family and commercial real estate market introduces substantial credit risk, evidenced by volatile provision expenses such as the $4.7 million charge in 2024Q4.
- Investors should monitor the sustainability of the current dividend payout, which remains constant despite earnings volatility and a net loss of $0.36 million in 2025Q2.
Verdict Logic
the bank's inability to expand its 0.8% net interest margin and its reliance on capital reserves to maintain dividends suggest limited upside potential for shareholders.
BFIN Growth Metrics
BankFinancial Corporation (BFIN) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years2.84%
5 Years0.77%
3 Years12.49%
TTM-
Profit CAGR
10 Years-20.54%
5 Years-18.99%
3 Years-18.08%
TTM-70.73%
EPS CAGR
10 Years-16.53%
5 Years-15.14%
3 Years-14.61%
TTM-70.13%
Return on Capital
10 Years6.29%
5 Years5.68%
3 Years5.38%
Last Year2.27%
BFIN Recent Earnings
BankFinancial Corporation (BFIN) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 1/12 qtrs (8%)●Beat Revenue 6/12 qtrs (60%)
Q1 2026Latest
Feb 2, 2026Metric
Actual
Est
EPS
$0.14-173.7%
$0.19
Rev
—
$14M
Q4 2025
Oct 30, 2025Metric
Actual
Est
EPS
$0.19+0.0%
$0.19
Rev
$13M-3.2%
$14M
Q3 2025
Aug 6, 2025Metric
Actual
Est
EPS
$0.03-112.5%
$0.24
Rev
$13M-4.1%
$14M
Q2 2025
Apr 25, 2025Metric
Actual
Est
EPS
$0.17+41.7%
$0.12
Rev
$13M-5.8%
$14M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q1 2026Latest | Feb 2, 2026 | $0.14vs $0.19-173.7% | —vs $14M |
| Q4 2025 | Oct 30, 2025 | $0.19vs $0.19+0.0% | $13Mvs $14M-3.2% |
| Q3 2025 | Aug 6, 2025 | $0.03vs $0.24-112.5% | $13Mvs $14M-4.1% |
| Q2 2025 | Apr 25, 2025 | $0.17vs $0.12+41.7% | $13Mvs $14M-5.8% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for BankFinancial Corporation (BFIN)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $12.00 | $149.53M | 36.36 | 4.52% | 5.48% | 2.61% | 3.33% | |
| $26.75 | $370.06M | 8.23 | -1.55% | 28.51% | 12.62% | — | |
| $12.10 | $522.22M | 18.33 | 10.7% | 8.56% | 4.56% | — | |
| $49.63 | $2.58B | 14.90 | 10.36% | 19.66% | 9.83% | — | |
| $8.37 | $1.06B | 16.10 | 10.03% | 17.88% | 7.46% | — | |
| $9.31 | $585.91M | 22.17 | 5.09% | 10.39% | 4.75% | — |
Compare BFIN vs Peers
BankFinancial Corporation (BFIN) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
BFIN SEC Filings & Documents
BankFinancial Corporation (BFIN) SEC filings — annual & quarterly reports (10-K, 10-Q)
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BFIN Frequently Asked Questions
BankFinancial Corporation (BFIN) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is BankFinancial Corporation growing?
BankFinancial Corporation (BFIN) grew revenue by 4.5% over the past year. Growth has been modest.
Is BFIN profitable?
Yes, BankFinancial Corporation (BFIN) is profitable, generating $2.3M in net income for fiscal year 2024 (5.5% net margin).
Dividend & Returns
Does BFIN pay dividends?
Yes, BankFinancial Corporation (BFIN) pays a dividend with a yield of 3.33%. This makes it attractive for income-focused investors.
What is BFIN's return on equity?
BankFinancial Corporation (BFIN) has a return on equity (ROE) of 2.6%. This is below average, suggesting room for improvement.
Industry Metrics
What is BankFinancial Corporation's net interest margin?
BankFinancial Corporation (BFIN) has a net interest margin (NIM) of 3.4%. This indicates healthy earnings from lending activities.
What is BankFinancial Corporation's efficiency ratio?
BankFinancial Corporation (BFIN) has an efficiency ratio of 59.4%. This is reasonable for a bank.