Bankfinancial Stock Fundamentals
| BFIN Stock | USD 13.38 0.15 1.13% |
BankFinancial fundamentals help investors to digest information that contributes to BankFinancial's financial success or failures. It also enables traders to predict the movement of BankFinancial Stock. The fundamental analysis module provides a way to measure BankFinancial's intrinsic value by examining its available economic and financial indicators, including the cash flow records, the balance sheet account changes, the income statement patterns, and various microeconomic indicators and financial ratios related to BankFinancial stock.
At this time, BankFinancial's Net Income is very stable compared to the past year. As of the 1st of December 2024, Income Tax Expense is likely to grow to about 3.5 M, while Interest Expense is likely to drop about 13.5 M. BankFinancial | Select Account or Indicator |
BankFinancial Company Operating Margin Analysis
BankFinancial's Operating Margin shows how much operating income a company makes on each dollar of sales. It is one of the profitability indicators which helps analysts to understand whether the firm is successful or not making money from everyday operations.
Current BankFinancial Operating Margin | 0.22 % |
Most of BankFinancial's fundamental indicators, such as Operating Margin, are part of a valuation analysis module that helps investors searching for stocks that are currently trading at higher or lower prices than their real value. If the real value is higher than the market price, BankFinancial is considered to be undervalued, and we provide a buy recommendation. Otherwise, we render a sell signal.
A good Operating Margin is required for a company to be able to pay for its fixed costs or payout its debt, which implies that the higher the margin, the better. This ratio is most effective in evaluating the earning potential of a company over time when comparing it against a firm's competitors.
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BankFinancial Pretax Profit Margin
Pretax Profit Margin |
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Based on the recorded statements, BankFinancial has an Operating Margin of 0.2157%. This is 98.83% lower than that of the Banks sector and significantly higher than that of the Financials industry. The operating margin for all United States stocks is 103.91% lower than that of the firm.
BankFinancial Fundamental Drivers Relationships
Comparative valuation techniques use various fundamental indicators to help in determining BankFinancial's current stock value. Our valuation model uses many indicators to compare BankFinancial value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across BankFinancial competition to find correlations between indicators driving BankFinancial's intrinsic value. More Info.BankFinancial is rated below average in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about 0.11 of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for BankFinancial is roughly 9.37 . At this time, BankFinancial's Return On Equity is very stable compared to the past year. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the BankFinancial's earnings, one of the primary drivers of an investment's value.BankFinancial Operating Margin Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses BankFinancial's direct or indirect competition against its Operating Margin to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of BankFinancial could also be used in its relative valuation, which is a method of valuing BankFinancial by comparing valuation metrics of similar companies.BankFinancial is currently under evaluation in operating margin category among its peers.
BankFinancial Current Valuation Drivers
We derive many important indicators used in calculating different scores of BankFinancial from analyzing BankFinancial's financial statements. These drivers represent accounts that assess BankFinancial's ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of BankFinancial's important valuation drivers and their relationship over time.
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
| Market Cap | 204.0M | 131.3M | 149.7M | 137.6M | 129.5M | 236.3M | |
| Enterprise Value | 13.7M | (368.2M) | (327.9M) | 90.5M | (4.3M) | (4.1M) |
BankFinancial ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, BankFinancial's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to BankFinancial's managers, analysts, and investors.Environmental | Governance | Social |
BankFinancial Fundamentals
| Return On Equity | 0.0506 | ||||
| Return On Asset | 0.0054 | ||||
| Profit Margin | 0.15 % | ||||
| Operating Margin | 0.22 % | ||||
| Current Valuation | 45.17 M | ||||
| Shares Outstanding | 12.46 M | ||||
| Shares Owned By Insiders | 4.62 % | ||||
| Shares Owned By Institutions | 59.87 % | ||||
| Number Of Shares Shorted | 23.19 K | ||||
| Price To Earning | 17.91 X | ||||
| Price To Book | 1.05 X | ||||
| Price To Sales | 3.07 X | ||||
| Revenue | 55.93 M | ||||
| Gross Profit | 54.52 M | ||||
| EBITDA | 14.29 M | ||||
| Net Income | 9.39 M | ||||
| Cash And Equivalents | 270.72 M | ||||
| Cash Per Share | 20.58 X | ||||
| Total Debt | 44.68 M | ||||
| Debt To Equity | 6.12 % | ||||
| Book Value Per Share | 12.77 X | ||||
| Cash Flow From Operations | 9.22 M | ||||
| Short Ratio | 1.59 X | ||||
| Earnings Per Share | 0.63 X | ||||
| Price To Earnings To Growth | 3.40 X | ||||
| Target Price | 12.25 | ||||
| Number Of Employees | 198 | ||||
| Beta | 0.45 | ||||
| Market Capitalization | 166.72 M | ||||
| Total Asset | 1.49 B | ||||
| Retained Earnings | 74.43 M | ||||
| Annual Yield | 0.03 % | ||||
| Five Year Return | 3.38 % | ||||
| Net Asset | 1.49 B | ||||
| Last Dividend Paid | 0.4 |
About BankFinancial Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze BankFinancial's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of BankFinancial using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of BankFinancial based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.| Last Reported | Projected for Next Year | ||
| Current Deferred Revenue | 21.8 M | 22.9 M | |
| Total Revenue | 55.9 M | 56.6 M | |
| Cost Of Revenue | -74.7 K | -71 K | |
| Sales General And Administrative To Revenue | 0.41 | 0.56 | |
| Capex To Revenue | 0.02 | 0.03 | |
| Revenue Per Share | 4.43 | 2.25 | |
| Ebit Per Revenue | 0.33 | 0.32 |
Pair Trading with BankFinancial
One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if BankFinancial position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in BankFinancial will appreciate offsetting losses from the drop in the long position's value.Moving together with BankFinancial Stock
| 0.73 | AX | Axos Financial | PairCorr |
| 0.71 | BY | Byline Bancorp Fiscal Year End 23rd of January 2025 | PairCorr |
| 0.65 | KB | KB Financial Group | PairCorr |
Moving against BankFinancial Stock
| 0.6 | TFC-PO | Truist Financial | PairCorr |
| 0.52 | CFG-PE | Citizens Financial | PairCorr |
| 0.51 | TFC-PR | Truist Financial | PairCorr |
The ability to find closely correlated positions to BankFinancial could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace BankFinancial when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back BankFinancial - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling BankFinancial to buy it.
The correlation of BankFinancial is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as BankFinancial moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if BankFinancial moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for BankFinancial can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.Check out BankFinancial Piotroski F Score and BankFinancial Altman Z Score analysis. To learn how to invest in BankFinancial Stock, please use our How to Invest in BankFinancial guide.You can also try the Price Ceiling Movement module to calculate and plot Price Ceiling Movement for different equity instruments.
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.