BankFinancial (BFIN) Stock Price
BankFinancial Price
Revenue at BankFinancial has contracted by 0.5% per year over the past 19 years to 54.25 M USD. Earnings per share have declined at 2.1% per year over the last 19 years. For BankFinancial, the net margin of 7.5% is down versus 17.9% a few years ago. At today's price the dividend yield works out to roughly 3.33%. The payout ratio is around 122% of earnings. The dividend has grown at 4.5% per year over the past 18 years. The consensus 12-month price target for BankFinancial is 11.73 USD, about 2.2% below where the stock trades today. Of 6 analysts, 0 rate the stock a buy — an overall Sell consensus. The stock trades about 9% above its 52-week low.
BankFinancial stock price
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Stock Price
ⓘHow to Read This Chart
This chart tracks the historical stock price of BankFinancial over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.
Total Return vs. Price Return
The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.
Intraday Price Data
When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how BankFinancial stock reacts to market openings, earnings releases, or breaking news throughout the trading session.
What to Look For
Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing BankFinancial's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.
| Date | BankFinancial Price |
|---|---|
| 1/7/2026 | 12.00 USD |
| 1/6/2026 | 12.00 USD |
| 1/5/2026 | 12.00 USD |
| 1/4/2026 | 12.00 USD |
| 1/1/2026 | 12.00 USD |
| 12/31/2025 | 12.00 USD |
| 12/30/2025 | 12.13 USD |
| 12/29/2025 | 12.19 USD |
| 12/26/2025 | 12.32 USD |
| 12/24/2025 | 12.35 USD |
| 12/23/2025 | 12.37 USD |
| 12/22/2025 | 12.51 USD |
| 12/19/2025 | 12.66 USD |
| 12/18/2025 | 12.77 USD |
| 12/17/2025 | 12.81 USD |
| 12/16/2025 | 12.76 USD |
| 12/15/2025 | 12.94 USD |
| 12/12/2025 | 12.74 USD |
| 12/11/2025 | 12.74 USD |
| 12/10/2025 | 12.65 USD |
| 12/9/2025 | 12.25 USD |
| 12/8/2025 | 12.27 USD |
| 12/5/2025 | 12.13 USD |
| 12/4/2025 | 12.17 USD |
| 12/3/2025 | 12.08 USD |
| 12/2/2025 | 11.85 USD |
| 12/1/2025 | 11.85 USD |
| 11/28/2025 | 11.76 USD |
| 11/26/2025 | 11.80 USD |
| 11/25/2025 | 11.91 USD |
BankFinancial Revenue, Pre-Provision Profit, Net Income
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BankFinancial Income Statement, Balance Sheet, Cash Flow Statement
| REVENUEM USD |
|---|
| REVENUE GROWTH% |
| GROSS MARGIN% |
| GROSS INCOMEM USD |
| Net Interest IncomeM USD |
| Non-Interest IncomeM USD |
| Loan Loss ProvisionsM USD |
| Pre-Provision Profit (PPOP)M USD |
| NET INCOMEM USD |
| NET INCOME GROWTH% |
| DIVIDENDDIV.USD |
| DIVIDEND GROWTHDIV. GROWTH% |
| SHARESM |
| 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025e | 2026e |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 78.00 | 68.00 | 57.00 | 56.00 | 55.00 | 57.00 | 62.00 | 76.00 | 71.00 | 58.00 | 52.00 | 61.00 | 71.00 | 74.00 | 54.00 | 59.00 |
| 8.33 | -12.82 | -16.18 | -1.75 | -1.79 | 3.64 | 8.77 | 22.58 | -6.58 | -18.31 | -10.34 | 17.31 | 16.39 | 4.23 | -27.03 | 9.26 |
| 61.54 | 47.06 | 94.74 | 94.64 | 101.82 | 92.98 | 90.32 | 86.84 | 76.06 | 87.93 | 96.15 | 88.52 | 78.87 | 66.22 | 66.22 | 66.22 |
| 48.00 | 32.00 | 54.00 | 53.00 | 56.00 | 53.00 | 56.00 | 66.00 | 54.00 | 51.00 | 50.00 | 54.00 | 56.00 | 49.00 | 35.76 | 39.07 |
| 62.79 | 56.28 | 45.74 | 46.30 | 46.15 | 46.96 | 50.09 | 52.07 | 52.19 | 45.89 | 43.77 | 50.82 | 51.83 | 48.44 | – | – |
| 8.14 | 7.72 | 8.13 | 6.71 | 6.83 | 6.66 | 6.41 | 14.78 | 6.17 | 5.37 | 5.69 | 5.98 | 5.01 | 5.81 | – | – |
| 22.72 | 31.52 | -0.69 | -0.74 | -3.21 | -0.24 | -0.09 | 0.15 | 3.83 | 0.06 | -1.24 | 1.83 | 0.31 | 5.03 | – | – |
| -13.61 | 4.41 | 2.61 | 8.56 | 11.03 | 12.07 | 16.11 | 26.10 | 19.72 | 12.88 | 8.63 | 15.62 | 13.31 | 9.90 | – | – |
| -48.00 | -27.00 | 3.00 | 40.00 | 8.00 | 7.00 | 9.00 | 19.00 | 11.00 | 9.00 | 7.00 | 10.00 | 9.00 | 4.00 | 8.00 | 9.00 |
| 1,100.00 | -43.75 | -111.11 | 1,233.33 | -80.00 | -12.50 | 28.57 | 111.11 | -42.11 | -18.18 | -22.22 | 42.86 | -10.00 | -55.56 | 100.00 | 12.50 |
| 0.22 | 0.04 | 0.04 | 0.08 | 0.20 | 0.21 | 0.41 | 0.37 | 0.40 | 0.40 | 0.50 | 0.40 | 0.40 | 0.40 | 0.40 | 0.40 |
| -21.43 | -81.82 | – | 100.00 | 150.00 | 5.00 | 95.24 | -9.76 | 8.11 | – | 25.00 | -20.00 | – | – | – | – |
| 19.84 | 19.94 | 20.08 | 20.25 | 19.70 | 18.78 | 16.52 | 16.82 | 15.34 | 14.78 | 13.26 | 12.86 | 12.51 | 12.46 | 12.46 | 12.46 |
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Income Statement Key Figures
ⓘRevenue and Revenue Growth
Revenue is the starting point of every income statement — it measures the total sales BankFinancial generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.
Gross Margin
Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue BankFinancial retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare BankFinancial's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.
EBIT and EBIT Margin
EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.
Net Income and Earnings Per Share (EPS)
Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.
Shares Outstanding
The total number of shares BankFinancial has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.
Analyst Estimates
The projected figures represent consensus estimates from professional analysts. Compare these forecasts against BankFinancial's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.
BankFinancial stock margins
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BankFinancial Revenue per Share, Earnings per Share
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BankFinancial business model & stock analysis
BankFinancial SWOT Analysis
Strengths
1. Robust financial performance with steady revenue growth and profitability.
2. Strong asset base and well-established presence in the market.
3. Extensive range of banking products and services to meet customer needs.
Weaknesses
1. Limited geographical presence compared to larger competitors.
2. Relatively smaller customer base, which may impact market share.
3. Lack of diversification in revenue streams, primarily reliant on interest income.
Opportunities
1. Potential for expansion into new markets and geographic regions.
2. Growing demand for digital banking solutions and technology integration.
3. Strategic partnerships and collaborations to enhance product offerings.
Threats
1. Intense competition from larger financial institutions and fintech startups.
2. Economic downturns and market fluctuations affecting overall banking industry.
3. Increasing regulatory burdens and compliance costs.
BankFinancial Employees
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BankFinancial Segments
BankFinancial Revenue by Segment (1/3)
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BankFinancial Revenue by Segment (2/3)
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BankFinancial Revenue by Segment (3/3)
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BankFinancial Eulerpool Fair Value
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Fair Value Estimate
ⓘWhat Is Fair Value?
Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.
Earnings-Based Fair Value
Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.
Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021
Revenue-Based Fair Value
Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"
Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021
Dividend-Based Fair Value
Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.
Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021
How to Use This Chart
When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.
BankFinancial historical P/E ratio, EBIT multiple, and P/S ratio
BankFinancial annual returns
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Annual Return
ⓘWhat This Chart Shows
This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.
Price Return
Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.
Dividend Return
Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.
What to Look For
Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.
BankFinancial shares outstanding
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BankFinancial Dividend History
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BankFinancial dividend history and estimates
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BankFinancial dividend payout ratio
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Current BankFinancial forecasts and price targets in September 2026
Analyst Price Targets 2026BankFinancial Analyst Rating Actions
| Date | Firm | Action | Rating | Reliability |
|---|---|---|---|---|
| 8/12/2025 | Downgrade | BuyNeutral | – | |
| 9/28/2017 | Downgrade | BuyNeutral | 55 | |
| 4/7/2016 | Maintained | Buy | 55 |
Eulerpool Reliability Score (0–100): measures how often a firm’s bullish or bearish calls were directionally correct three months later, blended with the average return following its calls. Every rating we record is stored permanently and scores update continuously; firms with fewer than 3 measured calls are not scored yet.
BankFinancial Earnings Estimates & Surprises
| Date | EPS estimate | EPS Actual | Revenue Estimate | Price reaction | Quarterly report |
|---|---|---|---|---|---|
| 8/4/2026 | 0.18USD | - | 13.17 MUSD | - | 2026 Q2 |
| 4/23/2026 | 0.16USD | - | 12.67 MUSD | - | 2026 Q1 |
| 2/2/2026 | 0.19USD | - | 12.43 MUSD | - | 2025 Q4 |
| 4/30/2024 | 0.21USD | - | 13.30 MUSD | - | 2024 Q1 |
| 1/25/2024 | 0.20USD | - | 13.32 MUSD | - | 2023 Q4 |
| 7/27/2023 | 0.30USD | - | 14.69 MUSD | - | 2023 Q2 |
| 5/1/2023 | 0.29USD | - | 14.61 MUSD | - | 2023 Q1 |
| 1/30/2023 | 0.32USD | - | 14.56 MUSD | - | 2022 Q4 |
| 10/28/2022 | 0.30USD | - | 14.44 MUSD | - | 2022 Q3 |
| 7/29/2022 | 0.16USD | - | 11.96 MUSD | - | 2022 Q2 |
EESG©
Eulerpool ESG Scorecard© for the BankFinancial stock
EEnvironment
20
Environment
SSocial
20
Social
GGovernance (Corporate Governance)
4
Governance (Corporate Governance)
The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.
BankFinancial shareholder structure
| % | Name |
|---|---|
6.68974% | |
5.62153% | |
5.22798% | |
5.17553% | |
4.90168% | |
4.87071% |
BankFinancial Beneficial Ownership Filings (SEC 13D/G)
BankFinancial Executives and Management Board
12 members · avg. age 61 · 25 % women
Mr. Frank Gasior (61)
Chairman of the Board, President, Chief Executive Officer · since 1983
608,919.00 USD
Management
Ms. Marci Slagle (55)
President of Bank's Equipment Finance Division
Mr. John Manos (64)
President of Bank’s Commercial Real Estate Lending Division
Mr. Paul Cloutier (61)
Chief Financial Officer, Executive Vice President, Treasurer
Mr. Gregg Adams (65)
President of the Marketing and Sales Division of Bank
Board of Directors
Mr. John Hausmann (69)
Independent Director
Mr. Glen Wherfel (75)
Lead Independent Director
Mr. Terry Wells (66)
Independent Director
Ms. Cassandra Francis (59)
Independent Director
Mr. Aaron O'Connor (50)
Independent Director
Ms. Debra Zukonik (62)
Independent Director
Frequently asked questions about BankFinancial
BankFinancial Corp is a financial institution headquartered in Illinois, United States. The business model of BankFinancial Corp revolves around providing a range of banking services to individuals, businesses, and organizations. As a community bank, BankFinancial Corp focuses on offering personalized financial solutions, including checking and savings accounts, loans, mortgages, and asset management services. With its customer-centric approach and commitment to fostering strong relationships, BankFinancial Corp aims to support the financial goals and aspirations of its clients while ensuring their long-term success and prosperity.
BankFinancial Corp is primarily active in the banking industry.
The main competitors of BankFinancial Corp in the market include other banking and financial institutions such as JPMorgan Chase & Co., Bank of America Corporation, Citigroup Inc., Wells Fargo & Company, and U.S. Bancorp.
BankFinancial Corp is a financial holding company founded in 1924 and headquartered in Illinois, USA. Operating through its subsidiary, BankFinancial, the company offers a wide range of banking products and services to individuals and businesses. With a rich history spanning over 90 years, BankFinancial Corp has established itself as a trusted provider of financial solutions. The company is dedicated to serving the local community and prides itself on its personalized approach to banking. BankFinancial Corp has built a strong reputation for its commitment to customer satisfaction and remains focused on delivering innovative and reliable financial services to its clients.
BankFinancial Corp, a renowned financial institution, has achieved several significant milestones throughout its successful history. Notably, the company has successfully expanded its presence in the market, becoming a major player in the finance industry. By consistently delivering exceptional financial services and products, BankFinancial Corp has fostered enduring relationships with its clients. With a focus on innovation and customer satisfaction, the company has continuously adapted to evolving market dynamics, ensuring its growth and sustainability. BankFinancial Corp's commitment to excellence has garnered numerous accolades and recognitions, further solidifying its position as a trusted and reliable financial partner for individuals and businesses.
BankFinancial Corp primarily operates in the United States, with a specific focus on the Midwest region. Headquartered in Illinois, the company serves customers throughout Illinois, Wisconsin, and Indiana. With a network of branches and digital banking services, BankFinancial Corp extends its financial products and services to individuals, businesses, and organizations in these regions.
BankFinancial Corp represents a commitment to integrity, exceptional customer service, and sustainable growth. As a trusted financial institution, BankFinancial Corp strives to provide innovative solutions to meet the diverse needs of its clients. With a strong focus on corporate responsibility, they prioritize community involvement and support local initiatives. By maintaining a customer-centric approach and fostering long-term relationships, BankFinancial Corp aims to be a reliable partner in achieving financial goals. With a solid reputation and a dedication to ethical conduct, BankFinancial Corp stands as a leading player in the financial industry.
Analysts currently set an average price target of 11.73 USD for the BankFinancial stock (median: 11.73 USD), implying -2.2 % versus the latest price. The consensus is based on 6 analyst ratings.
6 analysts currently rate the BankFinancial stock: 0 recommend buying, 3 holding and 3 selling. For 2026, analysts expect BankFinancial to generate revenue of 59.00 M USD and earnings per share of 0.79 USD.
Converted at the current exchange rate, the BankFinancial share trades at 10.32 EUR (12.00 USD).
The BankFinancial share (BFIN) is listed on 1 stock exchanges, including: NASDAQ (BFIN).
BankFinancial Corporation is a holding company that offers various financial services. Its business model includes divisions such as Commercial and Industrial Loans, Residential Real Estate Loans, Consumer Loans, Commercial Real Estate Loans, and Specialty Finance. BankFinancial Corporation is headquartered in Burr Ridge, Illinois. The Commercial and Industrial Loans division of BankFinancial Corporation provides loans to business customers. It also offers specialized services such as cash management solutions, letters of credit, and retail financing. These services aim to meet the financial needs of businesses. The Residential Real Estate Loans division offers a wide range of loans for real estate applications, including loans for the purchase and construction of new homes, refinancing of existing mortgages, and home equity loans. These loans are targeted towards individuals who own or wish to purchase a home. The Consumer Loans division of BankFinancial Corporation focuses on the needs of individual customers who require a loan to cover unexpected expenses or for consumer goods. The loans can be used for the purchase of cars, boats, or other valuable items. The repayment plans are tailored to the needs of the customers. The Commercial Real Estate Loans division offers a wide range of loans for real estate transactions. This includes new construction, refinancing, restructuring, or renovation of existing commercial properties. The target customers are real estate developers, investors, contractors, and commercial property owners. The Specialty Finance division offers specialized financial services that are tailored to the needs of individual customers and businesses. This includes leasing, asset-based financing, factoring, and insurance financing. These services are aimed at customers who have specific requirements that are not covered by other divisions of BankFinancial Corporation. BankFinancial Corporation offers a range of products that are customized to the needs of its customers. This includes bank accounts, credit and debit cards, online banking, and mobility solutions. The bank also offers financial advisory services to assist its customers in optimizing their financial plans and goals. The bank operates a network of ATMs and provides access to a network of bank branches in the region. In summary, BankFinancial Corporation's business model is based on a broad spectrum of financial services tailored to the needs of individual customers, small and medium-sized businesses, and real estate companies. The various divisions of BankFinancial Corporation cover a wide range of financing needs. The bank also offers its customers a wide range of products to meet their needs.
The expected revenue of BankFinancial is 59.00 M USD. This figure is based on current financial data and reflects the company's business performance.
The expected profit of BankFinancial is 9.85 M USD. The net profit reflects the company's profitability after deducting all expenses.
The price-to-earnings ratio (P/E) of BankFinancial is currently 15.19. The P/E ratio compares the current share price to the earnings per share and helps investors assess the valuation of the BankFinancial stock.
The price-to-sales ratio (P/S) of BankFinancial is currently 2.53. The P/S ratio compares the market capitalization to the annual revenue and serves as a valuation metric for the BankFinancial stock.
The Eulerpool Quality Score for BankFinancial is 2/10.
The ISIN of BankFinancial is US06643P1049. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.
The WKN of BankFinancial is A0ER9S. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.
The ticker of BankFinancial is BFIN. The ticker symbol is used to trade BankFinancial shares on the stock exchange.
Over the past 12 months, BankFinancial paid a dividend of 0.40 USD . This corresponds to a dividend yield of about 3.33 %. For the coming 12 months, BankFinancial is expected to pay a dividend of 0.40 USD.
The current dividend yield of BankFinancial is 3.33 %.
BankFinancial pays a dividend, distributed in the months of , , , .
BankFinancial paid dividends every year for the past 20 years.
For the upcoming 12 months, dividends amounting to 0.40 USD are expected. This corresponds to a dividend yield of 3.33 %.
BankFinancial is assigned to the 'Finance' sector.
To receive the latest dividend of BankFinancial from amounting to 0.1 USD, you needed to have the stock in your portfolio before the ex-date on .
The last dividend was paid out on .
In the year 2025, BankFinancial distributed 0.4 USD as dividends.
The dividends of BankFinancial are distributed in USD.
BankFinancial stock
BankFinancial Peer Group
BankFinancial Ticker
BankFinancial FIGI
All fundamentals and in-depth analysis of BankFinancial
Our stock analysis for BankFinancial stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of BankFinancial. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.