BankFinancial Corporation

NASDAQ•BFIN

CEO: Mr. F. Morgan Gasior

Sector: Financial Services

Industry: Banks - Regional

Listing Date: 2005-06-28

BankFinancial Corporation operates as the bank holding company for BankFinancial, National Association that provides banking, financial planning, and fiduciary services to individuals, families, and businesses. The company accepts various deposit products, such as savings, NOW, checking, money market, IRAs, and other retirement accounts, as well as certificates of deposit. Its loan portfolio consists of multi-family residential real estate loans, non-residential real estate loans, commercial loans and commercial equipment leases, consumer loans, and one-to-four family residential real estate loans. The company also offers various financial products and services, including cash management, funds transfers, bill payment and other online and mobile banking transactions, trust, wealth management, and general insurance agency services. In addition, it provides trust and financial planning services; and sells property and casualty, and other insurance products on an agency basis. The company offers its products through full-service banking offices located in Cook, DuPage, Lake, and Will Counties, Illinois, as well as through internet branch, bankfinancial.com. BankFinancial Corporation was founded in 1924 and is headquartered in Burr Ridge, Illinois.

Contact Information

60 North Frontage Road, Burr Ridge, IL, 60527, United States

800-894-6900

www.bankfinancial.com

Market Cap

$149.53M

P/E (TTM)

64.5

14.6

Dividend Yield

3.3%

52W High

$13.58

52W Low

$10.69

52W Range

45%

Rank46Top 59.5%

3.5

F-Score

Modified Piotroski Analysis

Based on 10-year fundamentals

Weak • 3.5 / 9 points

Scoring Range (0-9)

8-9: Excellent Value

6-7: Strong Fundamentals

4-5: Average Quality

0-3: Weak Performance

Data Period: 2016-2025

Financial Dashboard

Q3 2025 Data

Revenue

$18.43M+0.23%

4-Quarter Trend

EPS

$0.19+18.75%

4-Quarter Trend

FCF

-$2.09M-182.09%

4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

Q3 Net Income Rises Q3 Net income reached $2.4M, an 18.4% increase year-over-year, significantly aided by a $265K credit loss recovery.

Asset Quality Shows Strength Nonperforming assets ratio improved to 0.79% of total assets, while the allowance for credit losses increased to 1.15% of total loans.

Securities Portfolio Grows Total investment securities increased $177.0M since year-end to $537.5M, reflecting strategic balance sheet repositioning.

Strong Capital Ratios Maintained Bank's Tier 1 leverage ratio stood strong at 11.36% as of September 30, 2025, exceeding regulatory minimums.

Risk Factors

Net Loan Portfolio Shrinks Net loans decreased $127.8M since December 31, 2024, driven by scheduled repayments outpacing modest new originations.

YTD Earnings Decline Nine-month net income fell 30.1% to $4.1M, primarily due to a $1.3M increase in provision for credit losses.

NIM Compression Noted Tax-equivalent Net Interest Margin compressed 12 basis points year-to-date to 3.46%, reflecting lower asset yields.

Litigation Specific Reserve A $2.1M specific reserve was established for remaining U.S. Government equipment finance exposure due to ongoing litigation.

Outlook

Merger Closing Priority Management is focused on satisfying closing conditions for the announced merger with First Financial Bancorp in 2025.

Loan Mix Rebalancing Underway Strategy emphasizes nonresidential and commercial lending growth while de-emphasizing residential mortgage originations.

Favorable Tax Rate Impact Effective tax rate dropped significantly due to favorable state tax benefits recognized on interest earned from securities holdings.

Liquidity Remains Stable Liquidity objectives are met; the company is not aware of material adverse trends impacting cash availability as of reporting date.

Peer Comparison

Revenue (TTM)

BCBP

$166.44M

-15.5%

HNVR

$143.32M

-3.4%

MNSB

$135.47M

-1.7%

Gross Margin (Latest Quarter)

UBFO

80.5%

+10.2pp

FCAP

76.9%

+4.2pp

BVFL

76.3%

+4.2pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
CFBK	$190.28M	10.8	9.6%	5.8%
UBFO	$181.27M	14.5	9.0%	1.0%
CZWI	$176.87M	12.3	7.8%	2.9%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

0.3%

Moderate Growth

4Q Net Income CAGR

N/M

Profitability Shift

Cash Flow Stability

50%

Cash Flow Needs Attention

Deep Research

Next earnings:Apr 23, 2026

EPS:-

Revenue:-

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data