Bankfinancial Stock Buy Hold or Sell Recommendation
| BFIN Stock | USD 13.38 0.15 1.13% |
Given the investment horizon of 90 days and your above-average risk tolerance, our recommendation regarding BankFinancial is 'Cautious Hold'. The recommendation algorithm takes into account all of BankFinancial's available fundamental, technical, and predictive indicators you will find on this site.
Check out BankFinancial Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. To learn how to invest in BankFinancial Stock, please use our How to Invest in BankFinancial guide. In addition, we conduct extensive research on individual companies such as BankFinancial and provide practical buy, sell, or hold advice based on investors' investing horizon and their risk tolerance towards BankFinancial. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in gross domestic product.
BankFinancial |
Execute BankFinancial Buy or Sell Advice
The BankFinancial recommendation should be used to complement the buy-or-sell advice compiled from the current analysts' consensus on BankFinancial. Macroaxis does not own or have any residual interests in BankFinancial or other equities on which the buy-or-sell advice is provided. Please provide your input below to execute BankFinancial's advice using the current market data and latest reported fundamentals.
Time Horizon
Risk Tolerance
 |  |
Cautious Hold
Market Performance | OK | Details | |
Volatility | Not too volatile | Details | |
Hype Condition | Over hyped | Details | |
Current Valuation | Overvalued | Details | |
Odds Of Distress | Very Small | Details | |
Economic Sensitivity | Slowly supersedes the market | Details | |
Investor Sentiment | Impartial | Details | |
Analyst Consensus | Buy | Details | |
Financial Strenth (F Score) | Healthy | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
BankFinancial Trading Alerts and Improvement Suggestions
| BankFinancial is unlikely to experience financial distress in the next 2 years | |
| About 60.0% of the company shares are held by institutions such as insurance companies | |
| On 29th of November 2024 BankFinancial paid $ 0.1 per share dividend to its current shareholders | |
| Latest headline from finance.yahoo.com: BankFinancial Third Quarter 2024 Earnings Misses Expectations |
BankFinancial Returns Distribution Density
The distribution of BankFinancial's historical returns is an attempt to chart the uncertainty of BankFinancial's future price movements. The chart of the probability distribution of BankFinancial daily returns describes the distribution of returns around its average expected value. We use BankFinancial price's Value At Risk and its Upside Potential as a relative measure of the distribution. The graph of the distribution of BankFinancial returns is essential to provide solid investment advice for BankFinancial.
| Mean Return | 0.16 | Value At Risk | -2.46 | Potential Upside | 3.32 | Standard Deviation | 1.88 |
Return Density |
| Distribution |
Investment risk management requires an estimate of the probability of extreme price changes. Therefore, the correct representation of the distribution of BankFinancial historical returns presented in an easy-to-digest graphical form helps investors and money managers understand the risk-reward trade-off of different investement strategies.
BankFinancial Stock Institutional Investors
Have you ever been surprised when a price of an equity instrument, such as BankFinancial, soars without any apparent reason. This usually happens because many institutional investors are aggressively trading BankFinancial back and forth among themselves. Companies that invest excess capital in these types of assets may also be included in this term and can influence corporate governance by exercising voting rights in their investments.
| Shares | Round Hill Asset Management Inc | 2024-06-30 | 64.7 K | American Century Companies Inc | 2024-09-30 | 54.7 K | State Street Corp | 2024-06-30 | 49.6 K | Morgan Stanley - Brokerage Accounts | 2024-06-30 | 48.7 K | Sontag Advisory Llc | 2024-09-30 | 45 K | Hpm Partners Llc | 2024-06-30 | 44.1 K | Goldman Sachs Group Inc | 2024-06-30 | 43.9 K | Traynor Capital Management, Inc | 2024-09-30 | 33.8 K | Northern Trust Corp | 2024-09-30 | 30.2 K | M3f, Inc. | 2024-09-30 | 1.2 M | Alliancebernstein L.p. | 2024-06-30 | 842.2 K |
BankFinancial Cash Flow Accounts
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
| Change In Cash | 92.1M | 313.2M | (1.3M) | (435.4M) | 111.7M | 117.3M | |
| Free Cash Flow | 20.6M | 11.5M | 5.4M | 7.3M | 8.0M | 11.8M | |
| Depreciation | 1.8M | 1.8M | 2.1M | 1.3M | 1.5M | 1.5M | |
| Other Non Cash Items | 3.7M | 515K | (871K) | 856K | 1.8M | 1.7M | |
| Capital Expenditures | 1.6M | 798K | 2.0M | 1.9M | 1.2M | 1.3M | |
| Net Income | 11.7M | 9.2M | 7.4M | 10.5M | 9.4M | 9.9M | |
| End Period Cash Flow | 190.3M | 503.5M | 502.2M | 66.8M | 178.5M | 162.9M | |
| Dividends Paid | 6.3M | 6.0M | 5.6M | 5.2M | 5.1M | 5.2M | |
| Investments | 32.2M | 198.3M | (99.1M) | (317.1M) | 197.9M | 207.8M | |
| Change Receivables | 389K | 622K | (703K) | (2.7M) | (2.4M) | (2.3M) | |
| Net Borrowings | (21.0M) | 3.9M | 20.6M | (5M) | (4.5M) | (4.3M) | |
| Change To Netincome | 6.0M | 1.1M | (1.4M) | 1.6M | 1.5M | 1.4M |
BankFinancial Greeks
Most traded equities are subject to two types of risk - systematic (i.e., market) and unsystematic (i.e., nonmarket or company-specific) risk. Unsystematic risk is the risk that events specific to BankFinancial or Banks sector will adversely affect the stock's price. This type of risk can be diversified away by owning several different stocks in different industries whose stock prices have shown a small correlation to each other. On the other hand, systematic risk is the risk that BankFinancial's price will be affected by overall stock market movements and cannot be diversified away. So, no matter how many positions you have, you cannot eliminate market risk. However, you can measure a BankFinancial stock's historical response to market movements and buy it if you are comfortable with its volatility direction. Beta and standard deviation are two commonly used measures to help you make the right decision.
α | Alpha over Dow Jones | 0.1 | |
β | Beta against Dow Jones | 0.45 | |
σ | Overall volatility | 1.88 | |
Ir | Information ratio | 0.01 |
BankFinancial Volatility Alert
BankFinancial has relatively low volatility with skewness of 0.36 and kurtosis of -0.02. Understanding different market volatility trends often help investors to time the market. Properly using volatility indicators enable traders to measure BankFinancial's stock risk against market volatility during both bullish and bearish trends. The higher level of volatility that comes with bear markets can directly impact BankFinancial's stock price while adding stress to investors as they watch their shares' value plummet. This usually forces investors to rebalance their portfolios by buying different financial instruments as prices fall.BankFinancial Fundamentals Vs Peers
Comparing BankFinancial's fundamentals to the average values of its peers is one of the most widely used and accepted methods of equity analyses. It helps to analyze BankFinancial's direct or indirect competition across all of the common fundamentals between BankFinancial and the related equities. This way, we can detect undervalued stocks with similar characteristics as BankFinancial or determine the stocks which would be an excellent addition to an existing portfolio. Peer analysis of BankFinancial's fundamental indicators could also be used in its relative valuation, which is a method of valuing BankFinancial by comparing valuation metrics with those of similar companies.
| Better Than Average | Worse Than Average | Compare BankFinancial to competition |
| Fundamentals | BankFinancial | Peer Average |
| Return On Equity | 0.0506 | -0.31 |
| Return On Asset | 0.0054 | -0.14 |
| Profit Margin | 0.15 % | (1.27) % |
| Operating Margin | 0.22 % | (5.51) % |
| Current Valuation | 45.17 M | 16.62 B |
| Shares Outstanding | 12.46 M | 571.82 M |
| Shares Owned By Insiders | 4.62 % | 10.09 % |
| Shares Owned By Institutions | 59.87 % | 39.21 % |
| Number Of Shares Shorted | 23.19 K | 4.71 M |
| Price To Earning | 17.91 X | 28.72 X |
| Price To Book | 1.05 X | 9.51 X |
| Price To Sales | 3.07 X | 11.42 X |
| Revenue | 55.93 M | 9.43 B |
| Gross Profit | 54.52 M | 27.38 B |
| EBITDA | 14.29 M | 3.9 B |
| Net Income | 9.39 M | 570.98 M |
| Cash And Equivalents | 270.72 M | 2.7 B |
| Cash Per Share | 20.58 X | 5.01 X |
| Total Debt | 44.68 M | 5.32 B |
| Debt To Equity | 6.12 % | 48.70 % |
| Book Value Per Share | 12.77 X | 1.93 K |
| Cash Flow From Operations | 9.22 M | 971.22 M |
| Short Ratio | 1.59 X | 4.00 X |
| Earnings Per Share | 0.63 X | 3.12 X |
| Price To Earnings To Growth | 3.40 X | 4.89 X |
| Target Price | 12.25 | |
| Number Of Employees | 198 | 18.84 K |
| Beta | 0.45 | -0.15 |
| Market Capitalization | 166.72 M | 19.03 B |
| Total Asset | 1.49 B | 29.47 B |
| Retained Earnings | 74.43 M | 9.33 B |
| Annual Yield | 0.03 % | |
| Five Year Return | 3.38 % |
Note: Disposition of 5000 shares by James Brennan of BankFinancial at 16.75 subject to Rule 16b-3 [view details]
BankFinancial Market Momentum
Traders often use several daily momentume indicators to supplement a more traditional technical analysis when analyzing securities such as BankFinancial . With many different options, investors must choose the best indicators for them and familiarize themselves with how they work. We suggest combining traditional momentum indicators with more near-term forms of technical analysis such as Accumulation Distribution or Daily Balance Of Power. With their quantitative nature, daily value technical indicators can also be incorporated into your automated trading systems.
About BankFinancial Buy or Sell Advice
When is the right time to buy or sell BankFinancial? Buying financial instruments such as BankFinancial Stock isn't very hard. However, what challenging for most investors is doing it at the right time to beat the market. Proper market timing is something most people cannot do without sophisticated tools, which help to isolate the right opportunities. Macroaxis provides hands-on modules to deliver winning trades and diversify your portfolios on a daily basis. Most of our advising modules are very easy to use and apply.
Please read more on our stock advisor page.
Use Investing Ideas to Build Portfolios
In addition to having BankFinancial in your portfolios, you can quickly add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your investment opportunity, you can then find an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility.Did You Try This Idea?
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Check out BankFinancial Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. To learn how to invest in BankFinancial Stock, please use our How to Invest in BankFinancial guide.You can also try the Premium Stories module to follow Macroaxis premium stories from verified contributors across different equity types, categories and coverage scope.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of BankFinancial. If investors know BankFinancial will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about BankFinancial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0.15) | Dividend Share 0.4 | Earnings Share 0.63 | Revenue Per Share 4.355 | Quarterly Revenue Growth (0.10) |
The market value of BankFinancial is measured differently than its book value, which is the value of BankFinancial that is recorded on the company's balance sheet. Investors also form their own opinion of BankFinancial's value that differs from its market value or its book value, called intrinsic value, which is BankFinancial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because BankFinancial's market value can be influenced by many factors that don't directly affect BankFinancial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between BankFinancial's value and its price as these two are different measures arrived at by different means. Investors typically determine if BankFinancial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, BankFinancial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.