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BankFinancial Corporation

BankFinancial Corporation

NASDAQ•BFIN
CEO: Mr. F. Morgan Gasior
セクター: Financial Services
業種: Banks - Regional
上場日: 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.
連絡先情報
60 North Frontage Road, Burr Ridge, IL, 60527, United States
800-894-6900
www.bankfinancial.com
時価総額
$149.53M
PER (TTM)
64.5
15.2
配当利回り
3.3%
52週高値
$13.58
52週安値
$10.69
52週レンジ
45%
順位46Top 59.5%
3.5
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
弱い • 3.5 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025

財務ダッシュボード

Q3 2025 データ

売上高

$18.43M+0.23%
直近4四半期の推移

EPS

$0.19+18.75%
直近4四半期の推移

フリーCF

-$2.09M-182.09%
直近4四半期の推移

2025 Q3 決算ハイライト

主なハイライト

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.

リスク要因

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.

見通し

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.

同業比較

売上高 (TTM)

BCB Bancorp, Inc.BCBP
$166.44M
-15.5%
Hanover Bancorp, Inc.HNVR
$143.32M
-3.4%
MainStreet Bancshares, Inc.MNSB
$135.47M
-1.7%

粗利益率 (最新四半期)

United Security BancsharesUBFO
80.5%
+10.2pp
First Capital, Inc.FCAP
76.9%
+4.2pp
BV Financial, Inc.BVFL
76.3%
+4.2pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
CFBK$209.29M11.97.4%5.8%
UBFO$194.58M15.59.0%1.0%
CBFV$186.71M38.12.2%0.0%

長期トレンド

直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
0.3%
緩やかな成長
4四半期純利益CAGR
N/M
収益構造の変化
キャッシュフロー安定性
50%
キャッシュフローに注意が必要

深度リサーチ

次回決算:2026年4月23日
|
EPS:-
|
売上高:-
財務レポート
財務データ
全年度

  • Form 10-Q - Q3 2025

    会計期末: 2025年9月30日|提出日: 2025年10月30日|
    売上高: $18.43M+0.2%
    |
    EPS: $0.19+18.8%
    予想を上回る

  • Form 10-Q - Q2 2025

    会計期末: 2025年6月30日|提出日: 2025年8月6日|
    売上高: $18.09M-4.5%
    |
    EPS: $-0.03-116.9%
    予想を下回る

  • Form 10-K/A - FY 2024

    会計期末: 2024年12月31日|提出日: 2025年4月30日|
    売上高: $74.38M+4.5%
    |
    EPS: $0.33-55.4%
    予想を上回る

  • Form 10-Q - Q1 2025

    会計期末: 2025年3月31日|提出日: 2025年4月25日|
    売上高: $17.91M-4.6%
    |
    EPS: $0.17+21.4%
    予想を上回る

  • Form 10-K - FY 2024

    会計期末: 2024年12月31日|提出日: 2025年3月24日|修正版データを参照

  • Form 10-Q - Q3 2024

    会計期末: 2024年9月30日|提出日: 2024年11月5日|
    売上高: $18.39M+1.4%
    |
    EPS: $0.16-15.8%
    予想を下回る

  • Form 10-Q - Q2 2024

    会計期末: 2024年6月30日|提出日: 2024年7月31日|
    売上高: $18.94M+8.6%
    |
    EPS: $0.17-5.6%
    予想通り

  • Form 10-Q - Q1 2024

    会計期末: 2024年3月31日|提出日: 2024年5月9日|
    売上高: $18.77M+10.2%
    |
    EPS: $0.14-33.3%
    予想を下回る