BankFinancial Net Income vs. Current Valuation

BFIN Stock  USD 13.68  0.19  1.37%   
Taking into consideration BankFinancial's profitability measurements, BankFinancial is yielding more profit at this time then in previous quarter. It has a moderate probability of reporting better profitability numbers in January. Profitability indicators assess BankFinancial's ability to earn profits and add value for shareholders.
 
Net Income  
First Reported
2003-03-31
Previous Quarter
2.1 M
Current Value
M
Quarterly Volatility
7.8 M
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid
At this time, BankFinancial's Days Sales Outstanding is very stable compared to the past year. As of the 5th of December 2024, Sales General And Administrative To Revenue is likely to grow to 0.56, while Price To Sales Ratio is likely to drop 2.20. At this time, BankFinancial's Income Quality is very stable compared to the past year. As of the 5th of December 2024, Net Income Per E B T is likely to grow to 1.03, while Accumulated Other Comprehensive Income is likely to drop (2.8 M).
Current ValueLast YearChange From Last Year 10 Year Trend
Gross Profit Margin1.11.15
Sufficiently Down
Slightly volatile
For BankFinancial profitability analysis, we use financial ratios and fundamental drivers that measure the ability of BankFinancial to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well BankFinancial utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between BankFinancial's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of BankFinancial over time as well as its relative position and ranking within its peers.
  

BankFinancial's Revenue Breakdown by Earning Segment

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To learn how to invest in BankFinancial Stock, please use our How to Invest in BankFinancial guide.
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.

BankFinancial Current Valuation vs. Net Income Fundamental Analysis

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.
BankFinancial is rated below average in net income category among its peers. It is rated below average in current valuation category among its peers reporting about  5.21  of Current Valuation per Net Income. At this time, BankFinancial's Net Income 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 Current Valuation vs. Net Income

Net income is the profit of a company for the reporting period, which is derived after taking revenues and gains and subtracting all expenses and losses. Net income is one of the most-watched numbers by money managers as well as individual investors.

BankFinancial

Net Income

 = 

(Rev + Gain)

-

(Exp + Loss)

 = 
9.39 M
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
Enterprise Value is a firm valuation proxy that approximates the current market value of a company. It is typically used to determine the takeover or merger price of a firm. Unlike Market Cap, this measure takes into account the entire liquid asset, outstanding debt, and exotic equity instruments that the company has on its balance sheet. When a takeover occurs, the parent company will have to assume the target company's liabilities but will take possession of all cash and cash equivalents.

BankFinancial

Enterprise Value

 = 

Market Cap + Debt

-

Cash

 = 
48.91 M
Enterprise Value can be a useful tool to compare companies with different capital structures. Long term liability and current cash or cash equivalents can have a huge impact on market valuation of a given company.

BankFinancial Current Valuation vs Competition

BankFinancial is rated below average in current valuation category among its peers. After adjusting for long-term liabilities, total market size of Financials industry is currently estimated at about 5.07 Billion. BankFinancial maintains roughly 48.91 Million in current valuation contributing less than 1% to equities under Financials industry.

BankFinancial Profitability Projections

The most important aspect of a successful company is its ability to generate a profit. For investors in BankFinancial, profitability is also one of the essential criteria for including it into their portfolios because, without profit, BankFinancial will eventually generate negative long term returns. The profitability progress is the general direction of BankFinancial's change in net profit over the period of time. It can combine multiple indicators of BankFinancial, where stable trends show no significant progress. An accelerating trend is seen as positive, while a decreasing one is unfavorable. A rising trend means that profits are rising, and operational efficiency may be rising as well. A decreasing trend is a sign of poor performance and may indicate upcoming losses.
Last ReportedProjected for Next Year
Accumulated Other Comprehensive Income-2.6 M-2.8 M
Operating Income18.6 M15.6 M
Income Before Tax12.8 M13.4 M
Total Other Income Expense Net-5.8 M-6.1 M
Net Income9.4 M9.9 M
Income Tax Expense3.4 M3.5 M
Net Income Applicable To Common Shares12.1 M12.7 M
Net Income From Continuing Ops9.4 M5.1 M
Net Interest Income51.8 M53.7 M
Interest Income66.2 M61.6 M
Non Operating Income Net Other-39.6 K-41.6 K
Change To Netincome1.5 M1.4 M
Net Income Per Share 0.74  0.78 
Income Quality 0.98  1.03 
Net Income Per E B T 0.74  1.03 

BankFinancial Profitability Driver Comparison

Profitability drivers are factors that can directly affect your investment outlook on BankFinancial. Investors often realize that things won't turn out the way they predict. There are maybe way too many unforeseen events and contingencies during the holding period of BankFinancial position where the market behavior may be hard to predict, tax policy changes, gold or oil price hikes, calamities change, and many others. The question is, are you prepared for these unexpected events? Although some of these situations are obviously beyond your control, you can still follow the important profit indicators to know where you should focus on when things like this occur. Below are some of the BankFinancial's important profitability drivers and their relationship over time.

Use BankFinancial in pair-trading

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.

BankFinancial Pair Trading

BankFinancial Pair Trading Analysis

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.
Pair CorrelationCorrelation Matching

Use Investing Themes to Complement your BankFinancial position

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.

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Russia On Wall Street Theme
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You can either use a buy-and-hold strategy to lock in the entire theme or actively trade it to take advantage of the short-term price volatility of individual constituents. Macroaxis can help you discover thousands of investment opportunities in different asset classes. In addition, you can partner with us for reliable portfolio optimization as you plan to utilize Russia On Wall Street Theme or any other thematic opportunities.
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When determining whether BankFinancial offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of BankFinancial's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Bankfinancial Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Bankfinancial Stock:
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To learn how to invest in BankFinancial Stock, please use our How to Invest in BankFinancial guide.
You can also try the Crypto Correlations module to use cryptocurrency correlation module to diversify your cryptocurrency portfolio across multiple coins.
To fully project BankFinancial's future profitability, investors should examine all historical financial statements. These statements provide investors with a comprehensive snapshot of the financial position of BankFinancial at a specified time, usually calculated after every quarter, six months, or one year. Three primary documents fall into the category of financial statements. These documents include BankFinancial's income statement, its balance sheet, and the statement of cash flows.
Potential BankFinancial investors and stakeholders can use historical trends found within financial statements to determine how well the company is positioned for the future. Although BankFinancial investors may work on each financial statement separately, they are all related. The changes in BankFinancial's assets and liabilities, for example, are also reflected in the revenues and expenses that we see on BankFinancial's income statement, which results in the company's gains or losses. Cash flows can provide more information regarding cash listed on a balance sheet but not equivalent to net income shown on the income statement. Please read more on our technical analysis and fundamental analysis pages.