BankFinancial Valuation
| BFIN Stock | USD 11.81 0.04 0.34% |
At this time, the firm appears to be fairly valued. BankFinancial shows a prevailing Real Value of $11.73 per share. The current price of the firm is $11.81. Our model approximates the value of BankFinancial from analyzing the firm fundamentals such as Profit Margin of 0.09 %, current valuation of (841.96 K), and Return On Equity of 0.0284 as well as examining its technical indicators and probability of bankruptcy. Key fundamental drivers impacting BankFinancial's valuation include:
Fairly Valued
Today
Please note that BankFinancial's price fluctuation is very steady at this time. Calculation of the real value of BankFinancial is based on 3 months time horizon. Increasing BankFinancial's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Since BankFinancial is currently traded on the exchange, buyers and sellers on that exchange determine the market value of BankFinancial Stock. However, BankFinancial's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 11.81 | Real 11.73 | Target 13.5 | Hype 11.8 | Naive 11.78 |
The intrinsic value of BankFinancial's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, news, and other external factors that may influence BankFinancial's stock price. It is important to note that the real value of any stock may change over time based on changes in the company's performance.
Estimating the potential upside or downside of BankFinancial helps investors to forecast how BankFinancial stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of BankFinancial more accurately as focusing exclusively on BankFinancial's fundamentals will not take into account other important factors: Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use BankFinancial's intrinsic value based on its ongoing forecasts of BankFinancial's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against BankFinancial's closest peers.
BankFinancial Cash |
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BankFinancial Valuation Trend
Knowing BankFinancial's actual value is paramount for traders when making sound investment determinations. Using both BankFinancial's enterprise value as well as its market capitalization is the best way to estimate the value of the company and is usually enough for investors to make market timing decisions.
BankFinancial Revenue by Product
BankFinancial Total Value Analysis
BankFinancial is currently forecasted to have valuation of (841.96 K) with market capitalization of 146.41 M, debt of 38.74 M, and cash on hands of 270.72 M. The negative valuation of BankFinancial may imply that the market is not capable to price the future growth of the company or it is pricing it at zero value. It may also suggest that takeover valuation may not have captured all of the outstanding financial obligations of the company both on and off balance sheet. Investors should vigilantly validate all of the BankFinancial fundamentals.| Takeover Price | Market Cap | Debt Obligations | Cash |
(841.96 K) | 146.41 M | 38.74 M | 270.72 M |
BankFinancial Investor Information
About 63.0% of the company shares are held by institutions such as insurance companies. The company has price-to-book (P/B) ratio of 0.93. Some equities with similar Price to Book (P/B) outperform the market in the long run. BankFinancial last dividend was issued on the 9th of May 2025. BankFinancial is doing better financially today then in previous quarter. It has a moderate probability of reporting better financial numbers in August.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
|---|---|---|---|---|---|---|---|---|---|
| Total Cash From Operating Activities | 12.8 M | 7.6 M |
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BankFinancial Asset Utilization
The concept of asset utilization usually refers to the revenue earned for every dollar of assets a company currently reports. The recent return on assets of BankFinancial suggests not a very effective usage of assets in July.BankFinancial Ownership Allocation
The market capitalization of BankFinancial is $146.41 Million. Over half of BankFinancial's outstanding shares are owned by other corporate entities. These other corporate entities are typically referred to as corporate investors that acquire positions in a given instrument to benefit from reduced trade commissions. Note, that even with substantial debt, if the true value of the firm is larger than the current market value, you may still be able to generate positive returns on investment in this company at some point.BankFinancial Profitability Analysis
The company reported the previous year's revenue of 74.38 M. Net Income was 4.07 M with profit before overhead, payroll, taxes, and interest of 48.55 M.BankFinancial Past Distributions to stockholders
About BankFinancial Valuation
We use absolute and relative valuation methodologies to arrive at the intrinsic value of BankFinancial. In general, an absolute valuation paradigm, as applied to this company, attempts to find the value of BankFinancial based exclusively on its fundamental and basic technical indicators. By analyzing BankFinancial's financials, quarterly and monthly indicators, and their related drivers, we attempt to find the most accurate representation of BankFinancial's intrinsic value. As compared to an absolute model, our relative valuation model uses a comparative analysis of BankFinancial. We calculate exposure to BankFinancial's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of BankFinancial's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 49.2 M | 53.2 M | |
| Pretax Profit Margin | 0.07 | 0.04 | |
| Operating Profit Margin | 0.07 | 0.04 | |
| Net Profit Margin | 0.05 | 0.04 | |
| Gross Profit Margin | 0.66 | 0.56 |
A single share of BankFinancial represents a small ownership stake in the entity. As a stockholder of BankFinancial, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
BankFinancial Dividends Analysis For Valuation
At this time, BankFinancial's Dividends Paid is very stable compared to the past year. As of the 22nd of July 2025, Dividend Payout Ratio is likely to grow to 1.29, while Dividend Yield is likely to drop 0.02. . As of the 22nd of July 2025, Earnings Yield is likely to grow to 0.03, while Retained Earnings are likely to drop about 50.5 M.
| Last Reported | Projected for Next Year | ||
| Dividends Paid | 5 M | 5.2 M | |
| Dividend Yield | 0.03 | 0.02 | |
| Dividend Payout Ratio | 1.22 | 1.29 | |
| Dividend Paid And Capex Coverage Ratio | 1.07 | 1.01 |
There are various types of dividends BankFinancial can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of BankFinancial shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from BankFinancial directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When BankFinancial pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of BankFinancial by the value of the dividends paid out.
BankFinancial Growth Indicators
Growth stocks usually refer to those companies expected to grow sales and earnings faster than the market average. Growth stocks typically don't pay dividends, often look expensive, and usually trading at a high P/E ratio. Nevertheless, such valuations could be relatively cheap if the company continues to grow, which will drive the share price up. However, since most investors are paying a high price for a growth stock, based on expectations, if those expectations are not fully realized, growth stocks can see dramatic declines.
| Common Stock Shares Outstanding | 12.5 M | |
| Quarterly Earnings Growth Y O Y | 0.218 | |
| Forward Price Earnings | 15.083 |
BankFinancial Current Valuation Indicators
BankFinancial's valuation analysis is a process of estimating the intrinsic value of all assets and outstanding equities. There are different methodologies and models we use to develop the final BankFinancial's valuation. The techniques such as discounted cash flow and fundamental indicators such as book value per share or market capitalization are well known and widely used across most financial advisers and money managers.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as BankFinancial, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use BankFinancial's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes BankFinancial's worth.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: Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in 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. To learn how to invest in BankFinancial Stock, please use our How to Invest in BankFinancial guide.You can also try the Portfolio Diagnostics module to use generated alerts and portfolio events aggregator to diagnose current holdings.
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 0.218 | Dividend Share 0.4 | Earnings Share 0.36 | Revenue Per Share | Quarterly Revenue Growth (0.04) |
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.