US · BFIN
BankFinancial Corporation
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Burr Ridge, IL 60527
- Website
- bankfinancial.com
Price · as of 2024-12-31
—
Market cap 141.43M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | — | — |
| Intrinsic Value(DCF) | — | — |
| Graham-Dodd Method(GD) | $8.18 | — |
| Graham Formula(GF) | $4.10 | — |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | $6.10 | $0.61 | |||
| 2011 | $0.00 | $0.00 | |||
| 2012 | $1.40 | $4.30 | |||
| 2013 | $8.96 | $0.00 | |||
| 2014 | $19.52 | $11.36 | |||
| 2015 | $9.82 | $3.24 | |||
| 2016 | $9.61 | $4.48 | |||
| 2017 | $9.05 | $8.06 | |||
| 2018 | $10.73 | $31.94 | |||
| 2019 | $8.90 | $1.79 | |||
| 2020 | $8.63 | $0.00 | |||
| 2021 | $7.86 | $0.00 | |||
| 2022 | $9.61 | $19.73 | |||
| 2023 | $10.02 | $17.58 | |||
| 2024 | $8.18 | $4.09 |
AI valuation
Our deep-learning model estimates BankFinancial Corporation's (BFIN) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- —
- Current price
- —
- AI upside
- —
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
—
— upside
Graham-Dodd
$8.18
— upside
Graham Formula
$4.10
— upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| BFIN | BankFinancial Corporation | $11.35 | 141.43M | — | — | -28% | -64% | — | — | — | — | — | — | 66.18% | 6.75% | 5.48% | 2.61% | -2.14% | 0.28% | 0.25 | 0.25 | 0.35 | 0.35 | -15.48 | -5541.00% | 452.00% | -2556.00% | — | 0.01 | -2.87% | — | 122.40% | — | — | — | — | — |
| BCBP | BCB Bancorp, Inc. | $7.79 | 133.94M | +1,246% | +199% | +77% | -38% | -11.11 | 0.46 | 0.84 | -16.37 | — | 0.47 | 26.74% | -10.99% | -7.53% | -3.99% | -2.55% | -0.36% | 0.99 | -0.23 | 255.40 | 255.40 | -15.67 | -18485.00% | -1549.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | -16.37 | — | 1.80 | 1.15 |
| CBFV | CB Financial Services, In… | $32.00 | 159.94M | +112% | +27% | -25% | +197% | 11.25 | 0.96 | 1.79 | -7.47 | — | 1.03 | 61.32% | 19.37% | 15.90% | 8.77% | -11.18% | 0.86% | 0.24 | 0.51 | 0.24 | 0.24 | -0.84 | -4591.00% | 3193.00% | -6861.00% | 2.43% | 0.01 | -3.05% | 3.62% | 40.70% | 4.30% | -8.65 | -38.64 | -1.68 | -0.57 |
| CFBK | CF Bankshares Inc. | $23.41 | 150.85M | +756% | +4% | +83% | +27% | 10.88 | 1.03 | 1.52 | 2.77 | 35.57 | 1.03 | 41.85% | 17.10% | 13.50% | 9.94% | 38.34% | 0.84% | 0.69 | 0.33 | 0.91 | 0.91 | -6.10 | 3058.00% | 306.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 5.11% | 2.77 | — | 0.47 | 0.14 |
| EBMT | Eagle Bancorp Montana, In… | $16.57 | 131.77M | +32% | +7% | -7% | +11% | 13.54 | 0.76 | 1.10 | 8.95 | — | 1.10 | 65.71% | 9.46% | 8.12% | 5.68% | 6.86% | 0.47% | 1.14 | 0.28 | 0.10 | 0.10 | 8.31 | -388.00% | 709.00% | -39855.00% | 10.92% | 0.02 | 10.14% | 3.43% | 46.40% | 35.23% | 15.94 | 12.55 | 1.51 | -0.68 |
| ECBK | ECB Bancorp, Inc. | $17.69 | 156.58M | +838% | +55% | +47% | +29% | 17.91 | 0.81 | 1.75 | 40.85 | 18.68 | 0.81 | 39.88% | 13.05% | 9.78% | 4.57% | 2.26% | 0.51% | 1.66 | 0.22 | 1.23 | 0.00 | 27.44 | 9583.00% | 1646.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 40.85 | — | 5.33 | 0.23 |
| FCAP | First Capital, Inc. | $44.52 | 149.37M | -42% | +211% | -25% | +68% | 10.50 | 1.09 | 2.16 | 2.21 | — | 1.16 | 72.25% | 24.38% | 20.54% | 10.86% | -7.60% | 1.02% | 0.00 | 0.97 | 0.09 | 0.09 | -1.74 | -654.00% | 1345.00% | 5978.00% | 17.25% | 0.02 | -13.74% | 3.01% | 31.60% | 19.78% | 2.38 | 1.56 | 0.58 | -0.70 |
| FNWD | Finward Bancorp | $33.43 | 144.58M | +180% | +58% | +11% | +97% | 9.75 | 0.78 | 1.06 | -8.71 | 21.72 | 0.93 | 64.03% | 12.03% | 10.85% | 8.12% | -7.15% | 0.58% | 0.69 | 0.33 | 0.23 | 0.23 | 1.70 | 4490.00% | 1585.00% | -7081.00% | 5.69% | 0.01 | -3.96% | 1.75% | 17.10% | 1.82% | -13.43 | -26.85 | -1.62 | -0.60 |
| LARK | Landmark Bancorp, Inc. | $25.58 | 147.84M | +27% | -10% | -32% | +88% | 9.50 | 0.91 | 1.39 | 9.19 | 143.87 | 1.26 | 65.62% | 15.89% | 14.67% | 9.88% | -27.73% | 0.83% | 0.65 | 0.50 | 0.04 | 0.04 | 3.87 | 660.00% | 1377.00% | 264.00% | 9.65% | 0.01 | -25.41% | 3.73% | 35.50% | 6.34% | 10.82 | 12.79 | 1.72 | -0.79 |
| MNSB | MainStreet Bancshares, In… | $18.58 | 143.18M | +950% | +6% | +109% | -25% | 10.89 | 0.78 | 1.25 | 8.29 | — | 0.78 | 54.39% | 14.05% | 11.49% | 7.32% | 7.11% | 0.70% | 0.32 | 0.31 | — | — | 2.34 | -21000.00% | -144.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 0.00% | 8.29 | — | 1.16 | 0.25 |
| RMBI | Richmond Mutual Bancorpor… | $13.20 | 128.91M | +73% | -24% | -29% | +81% | 12.15 | 0.86 | 1.34 | 29.51 | 1105.58 | 0.87 | 50.19% | 12.77% | 11.03% | 7.01% | 3.96% | 0.63% | 1.99 | 0.26 | 0.16 | 0.16 | 20.40 | 110.00% | 1843.00% | 2433.00% | 12.54% | 0.01 | 6.04% | 5.00% | 60.80% | 16.29% | 32.34 | 24.59 | 4.13 | -0.52 |
About BankFinancial Corporation
BankFinancial Corporation operates as the bank holding company for BankFinancial, National Association that provides various commercial, family, and personal banking products and services. The company accepts various deposit products, including savings, NOW, checking, money market, IRA, and other retirement accounts, as well as certificates of deposit. Its loan products include multi-family and nonresidential real estate, construction and land, and commercial loans and leases; one-to-four family residential mortgage loans, including home equity loans and lines of credit; and consumer loans. The company also provides cash management, funds transfer, bill payment, other online and mobile banking transactions, automated teller machines, safe deposit boxes, trust, wealth management, and general insurance agency services. In addition, it offers financial planning services; and sells property and casualty, and other insurance products on an agency basis. The company operates 19 full-service banking offices located in Cook, DuPage, Lake, and Will Counties, Illinois. BankFinancial Corporation was founded in 1924 and is headquartered in Burr Ridge, Illinois.
- CEO
- F. Morgan Gasior
- Employees
- 191
- Beta
- 0.37
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as (— ÷ —) − 1 = — (DCF, example).