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Upturn AI SWOT - About
BankFinancial Corporation (BFIN)
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Upturn Advisory Summary
04/01/2025: BFIN (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit 2.6% | Avg. Invested days 52 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 157.13M USD | Price to earnings Ratio 38.21 | 1Y Target Price 13.5 |
Price to earnings Ratio 38.21 | 1Y Target Price 13.5 | ||
Volume (30-day avg) 14646 | Beta 0.45 | 52 Weeks Range 9.28 - 13.86 | Updated Date 04/1/2025 |
52 Weeks Range 9.28 - 13.86 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 3.16% | Basic EPS (TTM) 0.33 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 8.3% | Operating Margin (TTM) -30.04% |
Management Effectiveness
Return on Assets (TTM) 0.28% | Return on Equity (TTM) 2.61% |
Valuation
Trailing PE 38.21 | Forward PE 15.08 | Enterprise Value 80394152 | Price to Sales(TTM) 3.25 |
Enterprise Value 80394152 | Price to Sales(TTM) 3.25 | ||
Enterprise Value to Revenue 3.66 | Enterprise Value to EBITDA - | Shares Outstanding 12460700 | Shares Floating 8359246 |
Shares Outstanding 12460700 | Shares Floating 8359246 | ||
Percent Insiders 4.63 | Percent Institutions 61.96 |
Analyst Ratings
Rating 4 | Target Price 12.75 | Buy - | Strong Buy 1 |
Buy - | Strong Buy 1 | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
BankFinancial Corporation
Company Overview
History and Background
BankFinancial Corporation was founded in 1934 as a savings and loan association. It evolved into a commercial bank and offers a range of financial services in the Chicagoland area.
Core Business Areas
- Commercial Banking: Provides loans, deposit accounts, and other financial services to businesses.
- Retail Banking: Offers checking and savings accounts, mortgages, and other loan products to individuals.
- Wealth Management: Provides financial planning, investment management, and trust services.
Leadership and Structure
The company is led by its CEO and a board of directors. It is structured into various departments including lending, operations, and finance.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties; Specific market share data is not readily available. Competitors include regional and national banks like JPMorgan Chase, US Bancorp, and Wintrust Financial.
- Residential Mortgages: Loans to individuals for purchasing homes; Specific market share data is not readily available. Competitors include Rocket Mortgage, Guaranteed Rate, and local credit unions.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses; specific revenue numbers not available. Competitors include Chase, BofA, and local credit unions.
Market Dynamics
Industry Overview
The banking industry is currently facing pressures from rising interest rates, increased competition from fintech companies, and regulatory changes.
Positioning
BankFinancial Corporation is a regional bank focused on serving the Chicagoland area. It competes with larger national banks and smaller community banks.
Total Addressable Market (TAM)
The TAM for banking services in the Chicagoland area is estimated to be several billion dollars. BankFinancial is positioned to capture a portion of this market through its local presence and focus on commercial lending.
Upturn SWOT Analysis
Strengths
- Strong local presence in the Chicagoland area
- Experienced management team
- Focus on commercial lending
- Well-capitalized
Weaknesses
- Limited geographic reach compared to larger banks
- Reliance on commercial real estate lending
- Lower brand awareness compared to national banks
Opportunities
- Expanding into new markets within the Chicagoland area
- Increasing focus on wealth management services
- Leveraging technology to improve customer experience
- Acquiring smaller community banks
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturn impacting loan quality
- Regulatory changes
Competitors and Market Share
Key Competitors
- JPM
- USB
- WFBI
Competitive Landscape
BankFinancial faces stiff competition from large national banks and smaller community banks. Its local presence and focus on commercial lending provide a competitive edge, but its limited geographic reach is a disadvantage.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth data requires real-time data access, unavailable to the model.
Future Projections: Future projections information requires real-time data access, unavailable to the model.
Recent Initiatives: Requires real-time data to provide accurate, up-to-date strategic initiatives.
Summary
BankFinancial Corporation is a regional bank with a strong local presence, but faces challenges due to competition and industry dynamics. Its focus on commercial lending provides a solid foundation, but it needs to diversify its offerings and expand its reach to achieve sustainable growth. The company must be mindful of the economy and possible rising interest rates. The future of BankFinancial Corporation will largely depend on its ability to adapt to changing market conditions.
Similar Companies
JPM
JPMorgan Chase & Co
JPM
JPMorgan Chase & Co
MBWM
Mercantile Bank Corporation
MBWM
Mercantile Bank Corporation
USB
U.S. Bancorp
USB
U.S. Bancorp
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Industry reports
- Financial news outlets
- Analyst reports (historical)
Disclaimers:
This analysis is based on publicly available information and general knowledge of the banking industry. It is not financial advice. Real-time data may differ.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About BankFinancial Corporation
Exchange NASDAQ | Headquaters Burr Ridge, IL, United States | ||
IPO Launch date 2005-06-28 | Chairman, CEO & President Mr. F. Morgan Gasior | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 173 | Website https://www.bankfinancial.com |
Full time employees 173 | Website https://www.bankfinancial.com | ||
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.
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