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BFIN

BankFinancial Corporation

BFIN

BankFinancial Corporation • NASDAQ
$11.76 ▼ -0.34% (-0.04)
Market Cap $146.54 M
52w High $13.97
52w Low $10.69
Dividend Yield 0.40%
P/E 61.89
Volume 10.17K
Outstanding Shares 12.46M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $18.431M ▲ $10.799M ▼ $2.359M ▲ 12.799% ▲ $0.19 ▲ $-1.457M ▲
Q2-2025 $18.092M ▲ $11.852M ▲ $-359K ▼ -1.984% ▼ $-0.029 ▼ $-3.872M ▼
Q1-2025 $17.909M ▼ $10.875M ▼ $2.081M ▲ 11.62% ▲ $0.17 ▲ $307K ▲
Q4-2024 $18.277M ▼ $11.219M ▲ $-1.764M ▼ -9.651% ▼ $-0.14 ▼ $-3.225M ▼
Q3-2024 $18.388M $10.104M $1.993M 10.839% $0.16 $2.55M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $632.089M ▲ $1.455B ▲ $1.297B ▲ $157.355M ▲
Q2-2025 $569.474M ▲ $1.429B ▼ $1.273B ▼ $156.042M ▼
Q1-2025 $511.929M ▲ $1.442B ▲ $1.285B ▲ $157.495M ▲
Q4-2024 $414.819M ▼ $1.435B ▲ $1.278B ▲ $156.377M ▼
Q3-2024 $425.188M $1.418B $1.259B $159.108M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $2.359M ▲ $-2.599M ▼ $-50.828M ▼ $23.933M ▲ $-29.494M ▲ $-2.09M ▼
Q2-2025 $-359K ▼ $2.386M ▲ $-19.616M ▼ $-14.937M ▼ $-32.167M ▼ $1.981M ▲
Q1-2025 $2.081M ▲ $-617K ▼ $53.515M ▲ $6.676M ▼ $59.574M ▲ $-721K ▼
Q4-2024 $-1.764M ▼ $4.266M ▲ $-75.435M ▼ $17.72M ▲ $-53.449M ▼ $3.514M ▲
Q3-2024 $1.993M $2.996M $44.727M $-61.223M $-13.5M $2.546M

Revenue by Products

Product Q4-2024Q1-2025Q2-2025Q3-2025
Bank Servicing
Bank Servicing
 $0 ▲$0 ▲$0 ▲$0 ▲
Deposit Account
Deposit Account
 $0 ▲$0 ▲$0 ▲$0 ▲

Five-Year Company Overview

Income Statement

Income Statement Revenue has been fairly steady over the past few years, edging up only modestly. However, profits have slipped, and the most recent year is roughly at breakeven after several years of reasonable, if unspectacular, earnings. This points to pressure on margins, likely from a mix of higher funding costs, competition on loan pricing, and possibly higher credit or operating expenses. Overall, the bank has not been able to turn its stable revenue base into consistently growing bottom-line results, which makes earnings quality and interest-rate sensitivity important watch points.

Balance Sheet

Balance Sheet The balance sheet looks stable but not especially growth-driven. Total assets have drifted slightly lower from earlier highs, suggesting a cautious or repositioning stance rather than aggressive expansion. Cash levels are meaningfully lower than earlier peak levels, but still appear manageable in the context of a relatively conservative debt load. Equity has held broadly steady, implying that the capital base is solid even though it is not expanding rapidly. Overall, the bank appears prudently capitalized with modest leverage, but without clear balance sheet-driven growth momentum.

Cash Flow

Cash Flow Cash generation from the core business has been consistently positive, though not large. Because investment spending and capital outlays are quite light, free cash flow tends to track operating cash flow closely. For a bank, this pattern suggests a disciplined, low-investment model with limited large-scale growth projects. The trade-off is that cash flow looks dependable but not transformative, supporting ongoing operations more than ambitious expansion. Stability is the key feature here rather than rapid cash growth.

Competitive Edge

Competitive Edge BankFinancial operates as a smaller regional bank with a clear tilt toward specialized commercial and equipment finance solutions. Its strengths lie in tailored products, flexible financing structures, and relationship-based service, which can help retain niche business clients who value personal attention over pure price. Against that, the bank faces the usual challenges of a smaller institution: less scale, higher relative costs, stronger competition from larger regional and national banks, and sensitivity to local economic conditions. The announced acquisition by First Financial Bancorp will effectively shift its competitive position from a stand-alone niche player to a specialized unit within a larger, more diversified banking platform, which could change how its strengths and weaknesses play out in the market.

Innovation and R&D

Innovation and R&D Innovation at BankFinancial has been more about how products are structured and delivered than about building new technology. The “hybrid” commercial finance product and flexible equipment finance offerings are good examples of creative design aimed at business customers with changing capital needs. Pricing tools like a special prime rate also support its competitive pitch. However, there is little evidence of proprietary digital platforms or heavy internal technology development. Looking ahead, the merger with First Financial is likely to be the main innovation driver: BankFinancial’s niche lending expertise is expected to be combined with a more advanced digital banking platform, potentially improving customer experience and efficiency if integration goes smoothly.

Summary

Overall, BankFinancial looks like a cautious, niche-focused regional bank with steady but slow-growing revenue, recent pressure on profitability, and a conservative balance sheet. Its cash flows are stable rather than dynamic, reflecting a business that prioritizes consistency over rapid expansion. The real story now is transition: historically, its edge has been specialized lending products and relationship banking; in the future, its prospects will be tightly linked to how well these strengths are integrated into First Financial’s larger, more digital-focused platform. Execution of the merger, management of credit quality, and navigation of the interest-rate environment will likely be key determinants of how its underlying strengths translate into future financial performance.

NEWS

November 4, 2025 · 4:06 PM UTC

BankFinancial Investor Alert By The Former Attorney General Of Louisiana: Kahn Swick & Foti, LLC Investigates Adequacy of Price and Process in Proposed Sale of BankFinancial Corporation - BFIN

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September 15, 2025 · 1:15 AM UTC

Shareholder Alert: The Ademi Firm Continues to Investigate Whether BankFinancial Corporation is Obtaining a Fair Price for its Public Shareholders

Read more