BankFinancial Corporation (BFIN) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 | Q1'21 | Q4'20 |
|---|
| Net Interest Income | 11.64M | 11.27M | 11.49M | 11.68M | 11.66M | 12.58M | 12.53M | 12.43M | 12.95M | 12.94M | 13.5M | 13.99M | 13.92M | 12.13M | 10.78M | 11.39M | 11.03M | 10.78M | 10.58M | 11.6M |
| NII Growth % | -0.18% | -10.42% | -8.24% | -6.07% | -9.98% | -2.84% | -7.21% | -11.12% | -6.95% | 6.7% | 25.29% | 22.84% | 26.22% | 12.58% | 1.84% | -1.8% | 0.3% | -4.86% | -11.61% | -8.16% |
| Net Interest Margin % | 0.8% | 0.79% | 0.8% | 0.81% | 0.82% | 0.85% | 0.85% | 0.84% | 0.86% | 0.85% | 0.87% | 0.89% | 0.85% | 0.74% | 0.65% | 0.67% | 0.66% | 0.65% | 0.65% | 0.73% |
| Interest Income | 16.71M | 16.13M | 16.31M | 16.69M | 16.89M | 17.66M | 17.34M | 16.92M | 16.89M | 16.18M | 16.16M | 16.06M | 14.93M | 12.88M | 11.42M | 12.07M | 11.75M | 11.5M | 11.25M | 12.54M |
| Interest Expense | 5.07M | 4.86M | 4.82M | 5.01M | 5.22M | 5.08M | 4.82M | 4.49M | 3.94M | 3.23M | 2.66M | 2.08M | 1.01M | 754K | 643K | 686K | 718K | 722K | 668K | 947K |
| Loan Loss Provision | -265K | 2.25M | -296K | 4.65M | 485K | -122K | 12K | 317K | 136K | -188K | 48K | 743K | 350K | 459K | 276K | -221K | -6K | -678K | -335K | -271K |
| Non-Interest Income | 1.72M | 1.96M | 1.6M | 1.59M | 1.5M | 1.28M | 1.43M | 1.64M | 1.24M | 1.26M | 870K | 1.41M | 1.29M | 1.84M | 1.44M | 1.63M | 1.37M | 1.43M | 1.26M | 1.54M |
| Non-Interest Income % | 9.35% | 10.85% | 8.92% | 8.7% | 8.17% | 6.78% | 7.61% | 8.84% | 6.84% | 7.21% | 5.11% | 8.05% | 7.94% | 12.49% | 11.23% | 11.9% | 10.47% | 11.03% | 10.06% | 10.94% |
| Total Revenue | 18.43M | 18.09M | 17.91M | 18.28M | 18.39M | 18.94M | 18.77M | 18.57M | 18.13M | 17.44M | 17.03M | 17.47M | 16.22M | 14.72M | 12.86M | 13.7M | 13.12M | 12.92M | 12.51M | 14.08M |
| Revenue Growth % | 0.23% | -4.48% | -4.61% | -1.55% | 1.4% | 8.63% | 10.24% | 6.27% | 11.82% | 18.43% | 32.41% | 27.48% | 23.59% | 13.93% | 2.85% | -2.7% | -4.56% | -9.99% | -22.09% | -18.96% |
| Non-Interest Expense | 10.8M | 11.85M | 10.88M | 11.22M | 10.1M | 11.14M | 11.73M | 10.9M | 10.79M | 11.24M | 10.85M | 10.04M | 10.6M | 10.2M | 10.29M | 10.35M | 10.17M | 10.24M | 10.19M | 9.77M |
| Efficiency Ratio | 58.59% | 65.51% | 60.72% | 61.38% | 54.95% | 58.84% | 62.5% | 58.69% | 59.5% | 64.46% | 63.71% | 57.46% | 65.37% | 69.27% | 80% | 75.52% | 77.47% | 79.25% | 81.46% | 69.4% |
| Operating Income | 2.83M | -876K | 2.51M | -2.6M | 2.57M | 2.84M | 2.21M | 2.86M | 3.27M | 3.15M | 3.47M | 4.61M | 4.26M | 3.31M | 1.65M | 2.89M | 2.24M | 2.64M | 1.99M | 3.63M |
| Operating Margin % | 15.35% | -4.84% | 14.03% | -14.24% | 14% | 14.99% | 11.77% | 15.41% | 18.02% | 18.07% | 20.39% | 26.4% | 26.26% | 22.49% | 12.86% | 21.09% | 17.1% | 20.41% | 15.88% | 25.8% |
| Operating Income Growth % | 9.95% | -130.86% | 13.71% | -190.95% | -21.24% | -9.87% | -36.37% | -37.97% | -23.25% | -4.86% | 109.98% | 59.58% | 89.75% | 25.51% | -16.72% | -20.47% | -15.67% | -17.49% | -39.23% | -21.41% |
| Pretax Income | 2.83M | -876K | 2.51M | -2.6M | 2.57M | 2.84M | 2.21M | 2.86M | 3.27M | 3.15M | 3.47M | 4.61M | 4.26M | 3.31M | 1.65M | 2.89M | 2.24M | 2.64M | 1.99M | 3.63M |
| Pretax Margin % | 15.35% | -4.84% | 14.03% | -14.24% | 14% | 14.99% | 11.77% | 15.41% | 18.02% | 18.07% | 20.39% | 26.4% | 26.26% | 22.49% | 12.86% | 21.09% | 17.1% | 20.41% | 15.88% | 25.8% |
| Income Tax | 471K | -517K | 432K | -838K | 581K | 705K | 500K | 782K | 899K | 838K | 840K | 1.17M | 1.04M | 744K | 386K | 519K | 600K | 712K | 517K | 1.19M |
| Effective Tax Rate % | 16.64% | 59.02% | 17.19% | 32.21% | 22.57% | 24.83% | 22.62% | 27.33% | 27.51% | 26.6% | 24.19% | 25.46% | 24.35% | 22.47% | 23.34% | 17.96% | 26.74% | 26.99% | 26.03% | 32.72% |
| Net Income | 2.36M | -359K | 2.08M | -1.76M | 1.99M | 2.13M | 1.71M | 2.08M | 2.37M | 2.31M | 2.63M | 3.44M | 3.22M | 2.57M | 1.27M | 2.37M | 1.64M | 1.93M | 1.47M | 2.44M |
| Net Margin % | 12.8% | -1.98% | 11.62% | -9.65% | 10.84% | 11.27% | 9.11% | 11.2% | 13.06% | 13.26% | 15.46% | 19.68% | 19.86% | 17.44% | 9.86% | 17.3% | 12.53% | 14.9% | 11.75% | 17.36% |
| Net Income Growth % | 18.36% | -116.82% | 21.7% | -184.85% | -15.87% | -7.7% | -35.06% | -39.53% | -26.45% | -9.93% | 107.65% | 45% | 95.92% | 33.28% | -13.68% | -3.03% | -15.61% | -18.11% | -39.25% | -27.88% |
| Net Income (Continuing) | 2.36M | -359K | 2.08M | -1.76M | 1.99M | 2.13M | 1.71M | 2.08M | 2.37M | 2.31M | 2.63M | 3.44M | 3.22M | 2.57M | 1.27M | 2.37M | 1.64M | 1.93M | 1.47M | 2.44M |
| EPS (Diluted) | 0.19 | -0.03 | 0.17 | -0.14 | 0.16 | 0.17 | 0.14 | 0.17 | 0.19 | 0.18 | 0.21 | 0.27 | 0.25 | 0.19 | 0.10 | 0.18 | 0.12 | 0.13 | 0.10 | 0.17 |
| EPS Growth % | 18.75% | -116.94% | 21.43% | -182.35% | -15.79% | -5.56% | -33.33% | -37.04% | -24% | -5.26% | 110% | 50% | 108.33% | 46.15% | 0% | 5.88% | -7.69% | -18.75% | -37.5% | -22.73% |
| EPS (Basic) | 0.19 | -0.03 | 0.17 | -0.14 | 0.16 | 0.17 | 0.14 | 0.17 | 0.19 | 0.18 | 0.21 | 0.27 | 0.25 | 0.19 | 0.10 | 0.18 | 0.12 | 0.13 | 0.10 | 0.17 |
| Diluted Shares Outstanding | 12.46M | 12.46M | 12.46M | 12.46M | 12.46M | 12.46M | 12.47M | 12.51M | 12.58M | 12.67M | 12.72M | 12.86M | 13.06M | 13.16M | 13.2M | 13.26M | 13.72M | 14.43M | 14.72M | 14.78M |