BankFinancial Corporation (BFIN) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
BankFinancial Corporation stock (BFIN) is currently trading at $12.00. BankFinancial Corporation PE ratio is 63.16. BankFinancial Corporation PS ratio (Price-to-Sales) is 3.22. Analyst consensus price target for BFIN is $11.50. WallStSmart rates BFIN as Underperform.
- BFIN PE ratio analysis and historical PE chart
- BFIN PS ratio (Price-to-Sales) history and trend
- BFIN intrinsic value — DCF, Graham Number, EPV models
- BFIN stock price prediction 2025 2026 2027 2028 2029 2030
- BFIN fair value vs current price
- BFIN insider transactions and insider buying
- Is BFIN undervalued or overvalued?
- BankFinancial Corporation financial analysis — revenue, earnings, cash flow
- BFIN Piotroski F-Score and Altman Z-Score
- BFIN analyst price target and Smart Rating
BankFinancial Corporation
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BFIN Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · BankFinancial Corporation (BFIN)
BFIN trades 74% above its Graham fair value of $6.89, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
BankFinancial Corporation (BFIN) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, institutional own.. Concerns around market cap and peg ratio. Fundamentals are solid but monitor weak areas for improvement.
BankFinancial Corporation (BFIN) Key Strengths (3)
Trading below book value, meaning the market prices it less than net assets
Strong operational efficiency: $22 kept per $100 revenue
67.03% held by institutions, strong professional interest
BankFinancial Corporation (BFIN) Areas to Watch (7)
Very low returns on shareholder equity
Very expensive relative to growth, significant premium
Very thin margins, barely profitable
Micro-cap company with very limited liquidity and high volatility
Modest revenue growth at 7.50%
Revenue is fairly priced at 3.22x sales
Solid earnings growth at 18.40%
Supporting Valuation Data
BankFinancial Corporation (BFIN) Detailed Analysis Report
Overall Assessment
This company scores 51/100 in our Smart Analysis, earning a C- grade. Out of 10 metrics analyzed, 3 register as strengths (avg 8.7/10) while 7 fall into concern territory (avg 3.4/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Price/Book, Operating Margin, Institutional Own.. Valuation metrics including Price/Book (0.95) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 22.00%.
The Bear Case
The primary concerns are Return on Equity, PEG Ratio, Profit Margin. Some valuation metrics including PEG Ratio (3.40), Price/Sales (3.22) suggest expensive pricing. Growth concerns include Revenue Growth at 7.50%, EPS Growth at 18.40%, which may limit upside. Profitability pressure is visible in Return on Equity at 1.46%, Profit Margin at 4.98%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 1.46% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 7.50% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Price/Book, Operating Margin) and negatives (Return on Equity, PEG Ratio). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
BFIN Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
BFIN's Price-to-Sales ratio of 2.08x sits near its historical average of 2.08x (52th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 42% below its historical high of 3.59x set in May 2018, and 128% above its historical low of 0.91x in Jan 2012.
WallStSmart Analysis Synopsis
Data-driven financial summary for BankFinancial Corporation (BFIN) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
BankFinancial Corporation is a mature, profitable business with steady cash generation. Revenue reached 46M with 8% growth year-over-year. Profit margins are strong at 498.0%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 146.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 498.0% and operating margin of 22.0% demonstrate strong pricing power and operational efficiency.
Free cash flow is -3M, meaning the company is burning cash. This may be acceptable for high-growth companies investing heavily.
What to Watch Next
Valuation compression risk at a P/E of 63.2x. Any growth miss could trigger a sharp correction.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact BankFinancial Corporation.
Bottom Line
BankFinancial Corporation is a well-established business delivering consistent profitability with 498.0% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About BankFinancial Corporation(BFIN)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
BankFinancial Corporation is the banking holding company of BankFinancial, a National Association that offers various products and services for commercial, family and personal banking. The company is headquartered in Burr Ridge, Illinois.