BankFinancial Corporation (BFIN) Financials

BFIN

Trailing 12 months to September 30, 2025

Revenue $52.9M -3.8% YoY

Net Income $2.3M -70.7% YoY

EPS (Diluted) Not reported for the trailing 12 months

Operating Cash Flow $3.4M -52.9% YoY

Source SEC Filings (10-K/10-Q) Latest period Q3 FY2025, ended Sep 30, 2025 Reported Oct 30, 2025 Currency USD FYE December

Newest figures come from the 10-Q for Q3 FY2025, filed Oct 30, 2025. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the BFIN SEC filings page.

BankFinancial Corporation (BFIN) reported $52.9M in revenue over the twelve months to Sep 30, 2025, down 3.8% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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 2026-09-05

Higher funding costs compressed bank earnings while balance-sheet deleveraging continued without eliminating positive operating cash generation.

The 2024 earnings decline appears more connected to funding pressure than to business volume: interest expense rose from $14.3M to $20.1M while revenue remained broadly stable. Reported operating cash flow exceeded net income at $7.6M versus $4.1M, but the mismatch means cash flow was being shaped by balance-sheet movements rather than tracking profitability cleanly.

Total assets contracted from roughly $1.49B to $1.43B as liabilities declined from $1.33B to $1.28B. The balance-sheet contraction was liability-led, while reported equity remained essentially stable, indicating less reliance on liabilities without a comparable erosion of the capital base.

Dividends paid of $5.0M exceeded 2024 net income of $4.1M. Capital distributions therefore outpaced current-period earnings, a pattern consistent with the decline in retained earnings and limited internally generated capital accumulation.

Financial Health Signals

Financial Health Score 27/100

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 Corporation'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

BankFinancial Corporation earned a return on assets of 0.3% in fiscal year 2024, which is the profit it made on every dollar of assets on its books. This is down from 0.6% the prior year. Earnings ranks banks on that return over three years, and BankFinancial Corporation scores 26/100 among other banks.

Growth

BankFinancial Corporation reported revenue of $54.2M in fiscal year 2024, against $56.2M in fiscal year 2023. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and BankFinancial Corporation scores 12/100 among other banks.

Capital

BankFinancial Corporation funded 10.9% of its assets with shareholders' equity at the end of fiscal year 2024, holding $156.4M of equity against $1.4B of assets. Capital ranks banks on that cushion, and BankFinancial Corporation scores 44/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. BankFinancial Corporation scores 17/100 on it among other banks.

Credit Quality

Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. BankFinancial Corporation scores 16/100 on it among other banks.

Stability

BankFinancial Corporation reported net income of $4.1M in fiscal year 2024, against $9.4M in fiscal year 2023. Stability ranks banks on how steady net income has been across five years, and BankFinancial Corporation scores 45/100 among other banks.

Piotroski F-Score Partial

4/6

BankFinancial Corporation passes 4 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, all 1 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.86x

For every $1 of reported earnings, BankFinancial Corporation 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

$13.3M

YoY+1.5%

QoQ+0.9%

5Y CAGR+1.7%

10Y CAGR+0.1%

BankFinancial Corporation generated $13.3M in revenue in Q3 2025. This represents an increase of 1.5% from the same quarter a year earlier. Against the prior quarter it is up 0.9%.

Net Income

$2.4M

YoY+18.4%

QoQ+757.1%

5Y CAGR+3.9%

10Y CAGR0.0%

BankFinancial Corporation reported $2.4M in net income in Q3 2025. This represents an increase of 18.4% from the same quarter a year earlier. Against the prior quarter it is up 757.1%.

EBITDA

Not reported for Q3 2025.

EPS (Diluted)

Not reported for Q3 2025.

Cash & Balance Sheet

Cash & Debt

$82.7M

YoY-40.2%

QoQ-26.3%

5Y CAGR-28.1%

10Y CAGR+3.0%

BankFinancial Corporation held $82.7M in cash as of Q3 2025; long-term debt is not reported for that period.

Dividends Per Share

$0.10

YoY0.0%

QoQ0.0%

5Y CAGR0.0%

BankFinancial Corporation paid $0.10 per share in dividends in Q3 2025. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

12M

YoY0.0%

QoQ0.0%

5Y CAGR-3.4%

10Y CAGR-4.9%

BankFinancial Corporation had 12M shares outstanding in Q3 2025. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.

Free Cash Flow

Not reported for Q3 2025.

Margins & Returns

Net Margin

17.7%

YoY+2.5pp

QoQ+20.4pp

5Y change+1.8pp

10Y change-0.2pp

BankFinancial Corporation's net profit margin was 17.7% in Q3 2025, showing the share of revenue converted to profit. This is up 2.5 percentage points from the same quarter a year earlier. Against the prior quarter it is up 20.4 percentage points.

Return on Equity

1.5%

YoY+0.2pp

QoQ+1.7pp

5Y change+0.4pp

10Y change+0.4pp

BankFinancial Corporation's ROE was 1.5% in Q3 2025, measuring profit generated per dollar of shareholder equity. This is up 0.2 percentage points from the same quarter a year earlier. Against the prior quarter it is up 1.7 percentage points.

Gross Margin

Not reported for Q3 2025.

Operating Margin

Not reported for Q3 2025.

Capital Allocation

Share Buybacks

BankFinancial Corporation repurchased no shares in Q3 2025.

R&D Spending

Not reported for Q3 2025.

Capital Expenditures

Not reported for Q3 2025.

BFIN Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

BFIN quarterly income statement

Metric	TTM	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K	FY1010-K
Revenue	$52.9M	$54.2M-3.6%	$56.2M-1.0%	$56.8M+14.8%	$49.5M-3.5%	$51.3M-12.2%	$58.4M-12.8%	$66.9M+18.5%	$56.5M+5.6%	$53.5M+1.3%	$52.8M-0.3%	$53.0M-1.6%	$53.9M-15.8%	$64.0M-9.8%	$70.9M+20.5%	$58.9M
SG&A Expenses	$21.4M	$23.1M+4.1%	$22.2M+3.0%	$21.6M-4.7%	$22.6M+6.2%	$21.3M+0.3%	$21.3M-7.5%	$23.0M+5.6%	$21.8M-4.3%	$22.8M+2.4%	$22.2M-2.9%	$22.9M-12.7%	$26.2M+1.6%	$25.8M-1.2%	$26.1M-0.9%	$26.3M
Interest Expense	$19.8M	$20.1M+40.5%	$14.3M+219.7%	$4.5M+60.4%	$2.8M-60.0%	$7.0M-47.1%	$13.2M+43.4%	$9.2M+51.4%	$6.1M+53.4%	$4.0M+41.1%	$2.8M-7.6%	$3.0M-16.6%	$3.7M-17.9%	$4.4M-35.7%	$6.9M-47.6%	$13.2M
Income Tax	-$452K	$948K-71.8%	$3.4M+0.5%	$3.3M+42.3%	$2.3M-34.7%	$3.6M-14.9%	$4.2M-37.0%	$6.7M-6.7%	$7.2M+53.0%	$4.7M-13.4%	$5.4M+117.3%	-$31.3M	$0	$0-100.0%	$12.4M+550.5%	-$2.7M
Net Income	$2.3M	$4.1M-56.6%	$9.4M-10.5%	$10.5M+41.6%	$7.4M-19.1%	$9.2M-21.5%	$11.7M-39.7%	$19.3M+114.8%	$9.0M+20.0%	$7.5M-13.5%	$8.7M-78.6%	$40.6M+1131.5%	$3.3M+112.2%	-$27.1M+44.3%	-$48.7M-1030.6%	-$4.3M
EPS (Basic)	N/A	$0.33-55.4%	$0.74-7.5%	$0.80+50.9%	$0.53	N/A	$0.75-32.4%	$1.11+126.5%	$0.49+22.5%	$0.40-9.1%	$0.44-78.1%	$2.01+1156.2%	$0.16+111.8%	-$1.36+44.7%	-$2.46-1018.2%	-$0.22
EPS (Diluted)	—	N/A	N/A	N/A	N/A	N/A	N/A	$1.11+126.5%	$0.49+25.6%	$0.39-11.4%	$0.44-78.1%	$2.01+1156.2%	$0.16+111.8%	-$1.36+44.7%	-$2.46-1018.2%	-$0.22
Diluted Shares (Avg)	N/A	N/A	N/A	N/A	N/A	N/A	N/A	17M-4.6%	18M-4.0%	19M-4.4%	20M-1.3%	20M+0.8%	20M+0.7%	20M+0.6%	20M+0.5%	20M

Metric	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-Q	Q3'2410-Q	Q2'2410-Q	Q1'2410-Q	Q4'2310-K
Revenue	$13.3M+1.5%	$13.2M-4.5%	$13.1M-6.1%	$13.2M-5.8%	$13.1M-7.4%	$13.9M-2.3%	$14.0M+1.3%	$14.1M-8.7%
SG&A Expenses	$4.4M-19.3%	$5.6M-6.4%	$5.7M-5.8%	$5.7M+0.5%	$5.4M+1.3%	$5.9M+5.6%	$6.1M+8.9%	$5.7M+5.8%
Interest Expense	$5.1M-3.0%	$4.9M-4.2%	$4.8M0.0%	$5.0M+11.6%	$5.2M+32.6%	$5.1M+57.0%	$4.8M+81.1%	$4.5M+116.3%
Income Tax	$471K-18.9%	-$517K-173.3%	$432K-13.6%	-$838K-207.2%	$581K-35.4%	$705K-15.9%	$500K-40.5%	$782K-33.4%
Net Income	$2.4M+18.4%	-$359K-116.8%	$2.1M+21.7%	-$1.8M-184.8%	$2.0M-15.9%	$2.1M-7.7%	$1.7M-35.1%	$2.1M-39.5%
EPS (Basic)	$0.19+18.8%	-$0.03-117.6%	$0.17+21.4%	-$0.14-187.5%	$0.16-15.8%	$0.17-5.6%	$0.14-33.3%	$0.16-38.5%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA, EPS (Diluted), Diluted Shares (Avg).

BFIN Balance Sheet

BFIN quarterly balance sheet

Metric	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K	FY1010-K
Total Assets	$1.4B-3.5%	$1.5B-5.6%	$1.6B-7.4%	$1.7B+6.5%	$1.6B+7.3%	$1.5B-6.1%	$1.6B-2.5%	$1.6B+0.3%	$1.6B+7.1%	$1.5B+3.2%	$1.5B+0.8%	$1.5B-1.9%	$1.5B-5.3%	$1.6B+2.2%	$1.5B
Cash & Equivalents	$84.8M-52.5%	$178.5M+167.3%	$66.8M-86.7%	$502.2M-0.3%	$503.5M+164.5%	$190.3M+93.8%	$98.2M-23.0%	$127.6M+32.0%	$96.7M+62.8%	$59.4M-0.3%	$59.6M-63.0%	$161.0M-41.6%	$275.8M+128.5%	$120.7M-45.3%	$220.8M
Short-Term Investments	$34.2M+15.7%	$29.5M	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$0-100.0%	$22.6M
Total Liabilities	$1.3B-4.0%	$1.3B-6.4%	$1.4B-7.7%	$1.5B+8.4%	$1.4B+8.4%	$1.3B-6.0%	$1.4B-2.1%	$1.4B+0.9%	$1.4B+8.9%	$1.3B+4.1%	$1.2B-2.2%	$1.3B-2.3%	$1.3B-4.1%	$1.4B+6.8%	$1.3B
Total Equity	$156.4M+0.6%	$155.4M+2.4%	$151.7M-3.7%	$157.5M-8.9%	$172.9M-0.8%	$174.4M-6.8%	$187.2M-5.3%	$197.6M-3.5%	$204.8M-3.6%	$212.4M-1.7%	$216.1M+23.1%	$175.6M+1.6%	$172.9M-13.5%	$199.9M-21.1%	$253.3M
Retained Earnings	$73.5M-1.2%	$74.4M+3.6%	$71.8M+7.9%	$66.5M+2.8%	$64.8M+5.2%	$61.6M+9.6%	$56.2M+29.8%	$43.3M+9.6%	$39.5M+9.3%	$36.1M+14.3%	$31.6M+530.2%	-$7.3M+25.1%	-$9.8M-154.6%	$17.9M-74.8%	$71.3M

Metric	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-Q	Q3'2410-Q	Q2'2410-Q	Q1'2410-Q	Q4'2310-K
Total Assets	$1.5B+2.6%	$1.4B-3.3%	$1.4B-2.6%	$1.4B-3.5%	$1.4B-5.8%	$1.5B-3.2%	$1.5B-4.1%	$1.5B-5.6%
Cash & Equivalents	$82.7M-40.2%	$112.2M-26.1%	$144.4M+9.0%	$84.8M-52.5%	$138.3M-19.4%	$151.8M+31.6%	$132.4M+72.0%	$178.5M+167.3%
Short-Term Investments	$11.8M-46.2%	$20.3M-41.9%	$33.9M+10.1%	$34.2M+15.7%	$22.0M	$34.9M	$30.7M	$29.5M
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Total Liabilities	$1.3B+3.1%	$1.3B-3.6%	$1.3B-3.0%	$1.3B-4.0%	$1.3B-6.9%	$1.3B-3.9%	$1.3B-4.9%	$1.3B-6.4%
Total Equity	$157.4M-1.1%	$156.0M-0.9%	$157.5M+0.9%	$156.4M+0.6%	$159.1M+3.5%	$157.5M+3.4%	$156.0M+2.4%	$155.4M+2.4%
Retained Earnings	$73.9M-3.5%	$72.7M-4.0%	$74.3M-0.7%	$73.5M-1.2%	$76.5M+4.0%	$75.8M+4.5%	$74.9M+4.8%	$74.4M+3.6%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

BFIN Cash Flow Statement

BFIN quarterly cash flow statement

Metric	TTM	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K	FY1010-K
Operating Cash Flow	$3.4M	$7.6M-18.0%	$9.2M-0.8%	$9.3M+19.6%	$7.8M-42.5%	$13.5M-36.8%	$21.4M+3.3%	$20.7M-9.0%	$22.7M+20.0%	$18.9M+27.3%	$14.9M-16.6%	$17.8M+82.5%	$9.8M-42.5%	$17.0M-14.8%	$20.0M-19.7%	$24.9M
Depreciation & Amortization	N/A	$163K-89.4%	$1.5M+22.1%	$1.3M-39.1%	$2.1M+15.7%	$1.8M+11.0%	$1.6M+5.1%	$1.5M-59.5%	$3.8M+0.3%	$3.8M+2.6%	$3.7M-3.4%	$3.8M-14.4%	$4.5M-2.0%	$4.5M-0.3%	$4.6M+2.5%	$4.4M
Stock-Based Compensation	N/A	N/A	N/A	N/A	N/A	N/A	$0-100.0%	$6K	$0-100.0%	$982K+49.5%	$657K+838.6%	$70K-18.6%	$86K+109.8%	$41K-22.6%	$53K-97.5%	$2.2M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	$798K-50.4%	$1.6M+42.0%	$1.1M+62.8%	$696K+28.4%	$542K-53.9%	$1.2M+11660.0%	$10K-99.6%	$2.3M-1.5%	$2.4M+122.1%	$1.1M
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	$20.6M+7.9%	$19.1M-11.7%	$21.6M+18.4%	$18.2M+27.2%	$14.3M-14.0%	$16.7M+70.6%	$9.8M-33.4%	$14.7M-16.6%	$17.6M-26.0%	$23.8M
Investing Cash Flow	-$69.3M	-$46.1M-123.3%	$197.9M+162.5%	-$316.8M-213.2%	-$101.1M-150.8%	$199.1M+8.1%	$184.2M+2185.1%	$8.1M-44.0%	$14.4M+118.7%	-$77.0M-43.7%	-$53.6M+38.7%	-$87.5M+4.2%	-$91.3M-147.4%	$192.7M+1660.1%	$10.9M-91.1%	$122.6M
Financing Cash Flow	$33.4M	-$55.1M+42.3%	-$95.4M+25.4%	-$127.9M-239.0%	$92.0M-8.5%	$100.6M+188.7%	-$113.4M-95.1%	-$58.1M-833.6%	-$6.2M-106.5%	$95.4M+147.6%	$38.5M+221.3%	-$31.8M+4.5%	-$33.3M+39.2%	-$54.7M+58.3%	-$131.0M-276.0%	-$34.9M
Dividends Paid	$5.0M	$5.0M-1.4%	$5.1M-3.3%	$5.2M-6.9%	$5.6M-6.1%	$6.0M-4.5%	$6.3M-2.8%	$6.4M+25.2%	$5.2M+24.7%	$4.1M-0.3%	$4.1M+145.6%	$1.7M+100.0%	$844K+33.3%	$633K-86.3%	$4.6M-22.0%	$5.9M
Share Buybacks	$0	$156K-93.5%	$2.4M-50.8%	$4.9M-71.6%	$17.1M+271.4%	$4.6M-74.6%	$18.1M-22.1%	$23.3M+115.2%	$10.8M-18.1%	$13.2M+32.5%	$10.0M	$0	$0	$0	$0-100.0%	$3.1M

Metric	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-Q	Q3'2410-Q	Q2'2410-Q	Q1'2410-Q	Q4'2310-K
Operating Cash Flow	-$2.6M-186.7%	$2.4M+714.3%	-$617K-6955.6%	$4.3M+6.6%	$3.0M-38.8%	$293K-88.7%	$9K+100.4%	$4.0M-54.5%
Depreciation & Amortization	N/A	N/A	N/A	-$623K-239.1%	-$24K-105.3%	$392K-8.4%	$418K+93.5%	$448K+148.9%
Investing Cash Flow	-$50.8M-225.5%	-$19.6M-244.4%	$53.5M+211.8%	-$52.4M-307.5%	$40.5M-47.3%	$13.6M-75.5%	-$47.9M-218.6%	$25.2M+125.5%
Financing Cash Flow	$23.9M+139.1%	-$14.9M-201.7%	$6.7M+200.7%	$17.7M+179.4%	-$61.2M-139.8%	-$5.0M+74.9%	-$6.6M+76.2%	-$22.3M+62.3%
Dividends Paid	$1.2M0.0%	$1.2M0.0%	$1.2M-0.1%	$1.2M-0.6%	$1.2M-1.0%	$1.2M-1.8%	$1.2M-2.0%	$1.3M-2.5%
Share Buybacks	$0	$0	$0-100.0%	$0-100.0%	$0-100.0%	$0-100.0%	$156K-68.9%	$676K-61.6%

Not reported in any period shown, so not listed: Stock-Based Compensation, Capital Expenditures, Free Cash Flow.

BFIN Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

BFIN quarterly financial ratios

Metric	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K	FY1010-K
Net Margin	7.5%-9.2pp	16.7%-1.8pp	18.5%+3.5pp	15.0%-2.9pp	17.9%-2.1pp	20.0%-8.9pp	28.9%+13.0pp	15.9%+1.9pp	14.0%-2.4pp	16.4%-60.2pp	76.6%+70.5pp	6.1%+48.5pp	-42.4%+26.3pp	-68.7%-61.3pp	-7.3%
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%-3.7pp	10.3%+5.8pp	4.6%+0.9pp	3.7%-0.4pp	4.1%-14.7pp	18.8%+16.9pp	1.9%+17.6pp	-15.7%+8.7pp	-24.4%-22.7pp	-1.7%
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%-0.4pp	1.2%+0.7pp	0.5%+0.1pp	0.5%-0.1pp	0.6%-2.2pp	2.8%+2.5pp	0.2%+2.1pp	-1.8%+1.3pp	-3.1%-2.8pp	-0.3%
Debt-to-Equity	8.18-0.4x	8.57-0.8x	9.39-0.4x	9.80+1.6x	8.23+0.7x	7.53+0.1x	7.47+0.2x	7.23+0.3x	6.91+0.8x	6.12+0.3x	5.78-1.5x	7.28-0.3x	7.57+0.7x	6.82+1.8x	5.04
Asset Turnover	0.040.0x	0.040.0x	0.040.0x	0.030.0x	0.030.0x	0.040.0x	0.040.0x	0.030.0x	0.030.0x	0.030.0x	0.040.0x	0.040.0x	0.040.0x	0.050.0x	0.04
FCF Margin	N/A	N/A	N/A	N/A	N/A	35.3%+6.8pp	28.5%-9.7pp	38.2%+4.1pp	34.1%+7.0pp	27.1%-4.3pp	31.4%+13.3pp	18.1%-4.8pp	22.9%-1.9pp	24.8%-15.6pp	40.4%

Metric	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-Q	Q3'2410-Q	Q2'2410-Q	Q1'2410-Q	Q4'2310-K
Net Margin	17.7%+2.5pp	-2.7%-18.1pp	15.8%+3.6pp	-13.3%-28.1pp	15.2%-1.5pp	15.4%-0.9pp	12.2%-6.8pp	14.8%-7.5pp
Return on Equity	1.5%+0.2pp	-0.2%-1.6pp	1.3%+0.2pp	-1.1%-2.5pp	1.3%-0.3pp	1.4%-0.2pp	1.1%-0.6pp	1.3%-0.9pp
Return on Assets	0.2%0.0pp	0.0%-0.2pp	0.1%0.0pp	-0.1%-0.3pp	0.1%0.0pp	0.1%0.0pp	0.1%-0.1pp	0.1%-0.1pp
Debt-to-Equity	8.24+0.3x	8.16-0.2x	8.16-0.3x	8.18-0.4x	7.91-0.9x	8.38-0.6x	8.49-0.6x	8.57-0.8x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, FCF Margin.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
BankFinancial Corporation BFIN	FY2024	$54.2M	$4.1M	7.5%	$149.5M	27/100
BCB Bancorp Inc (NJ) BCBP	FY2025	$101.6M	-$12.5M	-12.3%	$157.3M	19/100
United Security Bancshares UBFO	FY2025	$53.9M	$12.3M	22.8%	$185.0M	48/100
Landmark Bancorp Inc LARK	FY2025	$70.6M	$19K	0.0%	$198.1M	35/100
Meridian Corporation MRBK	FY2025	$126.9M	$21.8M	17.2%	$234.3M	33/100
MainStreet Bancshares, Inc. MNSB	FY2025	$135.6M	$15.6M	11.5%	$180.8M	49/100

Where BankFinancial Corporation Ranks

Frequently Asked Questions

What is BankFinancial Corporation's annual revenue?

BankFinancial Corporation (BFIN) reported $54.2M in total revenue for fiscal year 2024. This represents a -3.6% 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 Corporation's revenue growing?

BankFinancial Corporation (BFIN) revenue declined by 3.6% year-over-year, from $56.2M to $54.2M in fiscal year 2024.

Is BankFinancial Corporation profitable?

Yes, BankFinancial Corporation (BFIN) reported a net income of $4.1M in fiscal year 2024, with a net profit margin of 7.5%.

What is BankFinancial Corporation's net profit margin?

BankFinancial Corporation (BFIN) had a net profit margin of 7.5% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.

Does BankFinancial Corporation pay dividends?

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

What is BankFinancial Corporation's return on equity (ROE)?

BankFinancial Corporation (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 Corporation's operating cash flow?

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

What are BankFinancial Corporation's total assets?

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

Does BankFinancial Corporation buy back shares?

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

How many shares does BankFinancial Corporation have outstanding?

BankFinancial Corporation (BFIN) had 12M shares outstanding as of fiscal year 2024.

What is BankFinancial Corporation's debt-to-equity ratio?

BankFinancial Corporation (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 Corporation's return on assets (ROA)?

BankFinancial Corporation (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 Corporation's Piotroski F-Score?

BankFinancial Corporation (BFIN) has a Piotroski F-Score of 4 out of 6 computable signals; 3 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 Corporation's earnings high quality?

BankFinancial Corporation (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 Corporation?

BankFinancial Corporation (BFIN) scores 27 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.