Bankfinancial Corp Financials
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).
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
Operating cash flow of
Financial Health Signals
Based on FY2024 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). 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.
Bankfinancial Corp's revenue grew a modest 3.5% year-over-year to $3.4M. This slow but positive growth earns a score of 37/100.
Bankfinancial Corp has elevated debt relative to equity (D/E of 8.18), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.
Bankfinancial Corp generates a 2.6% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 21/100. This is down from 6.0% the prior year.
Bankfinancial Corp passes 4 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.
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
Earnings & Revenue
Bankfinancial Corp generated $3.4M in revenue in fiscal year 2024. This represents an increase of 3.5% from the prior year.
Bankfinancial Corp reported $4.1M in net income in fiscal year 2024. This represents a decrease of 56.6% from the prior year.
Cash & Balance Sheet
Bankfinancial Corp held $84.8M in cash against $0 in long-term debt as of fiscal year 2024.
Bankfinancial Corp paid $0.40 per share in dividends in fiscal year 2024. This represents an increase of 0.0% from the prior year.
Margins & Returns
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.
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
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.
BFIN Income Statement
| 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 | 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 | 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 | 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.
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 9, indicating neutral financial health. 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 10 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.