Bankfinancial Corp Financials

BFIN

Source SEC Filings (10-K/10-Q) Data as of Sep 30, 2025 Currency USD FYE December

This page shows Bankfinancial Corp (BFIN) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI BFIN FY2024 2026-04-22

Funding-cost pressure is compressing returns while a smaller balance sheet keeps leverage from climbing further.

In the latest year, interest expense reached $20.1M while net income was only $4.1M. Because leverage actually eased from FY2023 and equity was roughly flat, the earnings drop points to a thinner earnings spread on the existing balance sheet, not a simple case of more borrowing.

Total liabilities fell to $1.28B while equity stayed near $156.4M. That says FY2024 was managed as a smaller, not more aggressive, balance sheet; shareholder capital was preserved mainly by shrinking liabilities, not by stronger profitability, which leaves less asset volume to cover a roughly steady expense base.

Operating cash flow of $7.6M still exceeded net income of $4.1M. So the weak year was not a case of profits vanishing into accruals; the more telling strain is that cash on hand fell much faster than core cash generation, while dividends were maintained even as retained earnings slipped.

Financial Health Signals

Financial Health Score 24/100

Scored as: Banks peer group

Scored against banks for FY2024. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Bankfinancial Corp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Growth

Capital

Efficiency

Credit Quality

Stability

Piotroski F-Score Partial

4/5

Bankfinancial Corp passes 4 of 5 computable financial strength tests (4 of the nine could not be computed from available data). 3 of 4 profitability signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.86x

For every $1 of reported earnings, Bankfinancial Corp generates $1.86 in operating cash flow ($7.6M OCF vs $4.1M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$3.4M

YoY+3.5%

5Y CAGR-2.2%

10Y CAGR-23.4%

Bankfinancial Corp generated $3.4M in revenue in fiscal year 2024. This represents an increase of 3.5% from the prior year.

EBITDA

N/A

Net Income

$4.1M

YoY-56.6%

5Y CAGR-19.0%

10Y CAGR-20.5%

Bankfinancial Corp reported $4.1M in net income in fiscal year 2024. This represents a decrease of 56.6% from the prior year.

EPS (Diluted)

N/A

Cash & Balance Sheet

Free Cash Flow

N/A

Cash & Debt

$84.8M

YoY-52.5%

5Y CAGR-14.9%

10Y CAGR+3.6%

Bankfinancial Corp held $84.8M in cash against $0 in long-term debt as of fiscal year 2024.

Dividends Per Share

$0.40

YoY+0.0%

5Y CAGR+0.0%

10Y CAGR+17.5%

Bankfinancial Corp paid $0.40 per share in dividends in fiscal year 2024. This represents an increase of 0.0% from the prior year.

Shares Outstanding

N/A

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

118.6%

YoY-164.5pp

5Y CAGR-185.0pp

10Y CAGR+36.3pp

Bankfinancial Corp's net profit margin was 118.6% in fiscal year 2024, showing the share of revenue converted to profit. This is down 164.5 percentage points from the prior year.

Return on Equity

2.6%

YoY-3.5pp

5Y CAGR-4.1pp

10Y CAGR-16.2pp

Bankfinancial Corp's ROE was 2.6% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is down 3.5 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$156K

YoY-93.5%

5Y CAGR-61.4%

Bankfinancial Corp spent $156K on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 93.5% from the prior year.

Capital Expenditures

N/A

BFIN Income Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Revenue	$3.4M+3.5%	$3.3M+1.4%	$3.3M+2.7%	$3.2M-0.4%	$3.2M-16.9%	$3.8M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$23.1M+4.1%	$22.2M+3.0%	$21.6M-4.7%	$22.6M+6.2%	$21.3M+0.3%	$21.3M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$20.1M+40.5%	$14.3M+219.7%	$4.5M+60.4%	$2.8M-60.0%	$7.0M-47.1%	$13.2M
Income Tax	$948K-71.8%	$3.4M+0.5%	$3.3M+42.3%	$2.3M-34.7%	$3.6M-14.9%	$4.2M
Net Income	$4.1M-56.6%	$9.4M-10.5%	$10.5M+41.6%	$7.4M-19.1%	$9.2M-21.5%	$11.7M
EPS (Diluted)	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24	Q4'23
Revenue	$1.0M+2.9%	$972K+10.0%	$884K+1.0%	$875K-4.4%	$915K+9.7%	$834K+3.1%	$809K-3.2%	$836K
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$4.4M-21.1%	$5.6M-2.4%	$5.7M-0.1%	$5.7M+4.9%	$5.4M-8.4%	$5.9M-1.8%	$6.1M+6.6%	$5.7M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$5.1M+4.2%	$4.9M+1.0%	$4.8M-3.9%	$5.0M-4.1%	$5.2M+2.9%	$5.1M+5.4%	$4.8M+7.3%	$4.5M
Income Tax	$471K+191.1%	-$517K-219.7%	$432K+151.6%	-$838K-244.2%	$581K-17.6%	$705K+41.0%	$500K-36.1%	$782K
Net Income	$2.4M+757.1%	-$359K-117.3%	$2.1M+218.0%	-$1.8M-188.5%	$2.0M-6.6%	$2.1M+24.8%	$1.7M-17.7%	$2.1M
EPS (Diluted)	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

BFIN Balance Sheet

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Total Assets	$1.4B-3.5%	$1.5B-5.6%	$1.6B-7.4%	$1.7B+6.5%	$1.6B+7.3%	$1.5B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$84.8M-52.5%	$178.5M+167.3%	$66.8M-86.7%	$502.2M-0.3%	$503.5M+164.5%	$190.3M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$1.3B-4.0%	$1.3B-6.4%	$1.4B-7.7%	$1.5B+8.4%	$1.4B+8.4%	$1.3B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$156.4M+0.6%	$155.4M+2.4%	$151.7M-3.7%	$157.5M-8.9%	$172.9M-0.8%	$174.4M
Retained Earnings	$73.5M-1.2%	$74.4M+3.6%	$71.8M+7.9%	$66.5M+2.8%	$64.8M+5.2%	$61.6M

Metric	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24	Q4'23
Total Assets	$1.5B+1.8%	$1.4B-0.9%	$1.4B+0.5%	$1.4B+1.2%	$1.4B-4.1%	$1.5B-0.2%	$1.5B-0.5%	$1.5B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$82.7M-26.3%	$112.2M-22.3%	$144.4M+70.2%	$84.8M-38.7%	$138.3M-8.9%	$151.8M+14.6%	$132.4M-25.8%	$178.5M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$1.3B+1.9%	$1.3B-0.9%	$1.3B+0.5%	$1.3B+1.6%	$1.3B-4.7%	$1.3B-0.3%	$1.3B-0.6%	$1.3B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$157.4M+0.8%	$156.0M-0.9%	$157.5M+0.7%	$156.4M-1.7%	$159.1M+1.0%	$157.5M+0.9%	$156.0M+0.4%	$155.4M
Retained Earnings	$73.9M+1.5%	$72.7M-2.2%	$74.3M+1.1%	$73.5M-3.9%	$76.5M+1.0%	$75.8M+1.2%	$74.9M+0.6%	$74.4M

BFIN Cash Flow Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Operating Cash Flow	$7.6M-18.0%	$9.2M-0.8%	$9.3M+19.6%	$7.8M-42.5%	$13.5M-36.8%	$21.4M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	$798K
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	$20.6M
Investing Cash Flow	-$46.1M-123.3%	$197.9M+162.5%	-$316.8M-213.2%	-$101.1M-150.8%	$199.1M+8.1%	$184.2M
Financing Cash Flow	-$55.1M+42.3%	-$95.4M+25.4%	-$127.9M-239.0%	$92.0M-8.5%	$100.6M+188.7%	-$113.4M
Dividends Paid	$5.0M-1.4%	$5.1M-3.3%	$5.2M-6.9%	$5.6M-6.1%	$6.0M-4.5%	$6.3M
Share Buybacks	$156K-93.5%	$2.4M-50.8%	$4.9M-71.6%	$17.1M+271.4%	$4.6M-74.6%	$18.1M

Metric	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24	Q4'23
Operating Cash Flow	-$2.6M-208.9%	$2.4M+486.7%	-$617K-114.5%	$4.3M+42.4%	$3.0M+922.5%	$293K+3155.6%	$9K-99.8%	$4.0M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	-$50.8M-159.1%	-$19.6M-136.7%	$53.5M+202.2%	-$52.4M-229.3%	$40.5M+198.1%	$13.6M+128.4%	-$47.9M-289.6%	$25.2M
Financing Cash Flow	$23.9M+260.2%	-$14.9M-323.7%	$6.7M-62.3%	$17.7M+128.9%	-$61.2M-1136.6%	-$5.0M+25.3%	-$6.6M+70.3%	-$22.3M
Dividends Paid	$1.2M0.0%	$1.2M0.0%	$1.2M-0.1%	$1.2M+0.1%	$1.2M0.0%	$1.2M-0.1%	$1.2M-0.6%	$1.3M
Share Buybacks	$0	$0	$0	$0	$0	$0-100.0%	$156K-76.9%	$676K

BFIN Financial Ratios

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	118.6%-164.5pp	283.1%-37.7pp	320.8%+88.1pp	232.7%-54.0pp	286.7%-16.9pp	303.6%
Return on Equity	2.6%-3.5pp	6.0%-0.9pp	6.9%+2.2pp	4.7%-0.6pp	5.3%-1.4pp	6.7%
Return on Assets	0.3%-0.4pp	0.6%-0.0pp	0.7%+0.2pp	0.4%-0.1pp	0.6%-0.2pp	0.8%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	8.18-0.4	8.57-0.8	9.39-0.4	9.80+1.6	8.23+0.7	7.53
FCF Margin	N/A	N/A	N/A	N/A	N/A	535.3%

Metric	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24	Q4'23
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	235.9%+272.8pp	-36.9%-272.3pp	235.4%+437.0pp	-201.6%-419.4pp	217.8%-38.1pp	255.9%+44.5pp	211.4%-37.3pp	248.7%
Return on Equity	1.5%+1.7pp	-0.2%-1.6pp	1.3%+2.4pp	-1.1%-2.4pp	1.3%-0.1pp	1.4%+0.3pp	1.1%-0.2pp	1.3%
Return on Assets	0.2%+0.2pp	-0.0%-0.2pp	0.1%+0.3pp	-0.1%-0.3pp	0.1%0.0pp	0.1%+0.0pp	0.1%-0.0pp	0.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	8.24+0.1	8.160.0	8.16-0.0	8.18+0.3	7.91-0.5	8.38-0.1	8.49-0.1	8.57
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

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Frequently Asked Questions

What is Bankfinancial Corp's annual revenue?

Bankfinancial Corp (BFIN) reported $3.4M in total revenue for fiscal year 2024. This represents a 3.5% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Bankfinancial Corp's revenue growing?

Bankfinancial Corp (BFIN) revenue grew by 3.5% year-over-year, from $3.3M to $3.4M in fiscal year 2024.

Is Bankfinancial Corp profitable?

Yes, Bankfinancial Corp (BFIN) reported a net income of $4.1M in fiscal year 2024, with a net profit margin of 118.6%.

What is Bankfinancial Corp's net profit margin?

Bankfinancial Corp (BFIN) had a net profit margin of 118.6% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.

Does Bankfinancial Corp pay dividends?

Yes, Bankfinancial Corp (BFIN) paid $0.40 per share in dividends during fiscal year 2024.

What is Bankfinancial Corp's return on equity (ROE)?

Bankfinancial Corp (BFIN) has a return on equity of 2.6% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.

What is Bankfinancial Corp's operating cash flow?

Bankfinancial Corp (BFIN) generated $7.6M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

What are Bankfinancial Corp's total assets?

Bankfinancial Corp (BFIN) had $1.4B in total assets as of fiscal year 2024, including both current and long-term assets.

Does Bankfinancial Corp buy back shares?

Yes, Bankfinancial Corp (BFIN) spent $156K on share buybacks during fiscal year 2024, returning capital to shareholders by reducing shares outstanding.

What is Bankfinancial Corp's debt-to-equity ratio?

Bankfinancial Corp (BFIN) had a debt-to-equity ratio of 8.18 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Bankfinancial Corp's return on assets (ROA)?

Bankfinancial Corp (BFIN) had a return on assets of 0.3% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.

What is Bankfinancial Corp's Piotroski F-Score?

Bankfinancial Corp (BFIN) has a Piotroski F-Score of 4 out of 5 computable signals; 4 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Bankfinancial Corp's earnings high quality?

Bankfinancial Corp (BFIN) has an earnings quality ratio of 1.86x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Bankfinancial Corp?

Bankfinancial Corp (BFIN) scores 24 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.