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BankFinancial Corporation Financial Ratios 2024-2008 | BFIN
Brief overview of BankFinancial Corporation's financial ratios
Ratios are assessed across five available annual reports in the 2019–2023 interval.
Key multiples at the end of the period are P/E 13.3x (median 13.68x), P/B 0.8x (median 0.88x), P/CF 13.55x (median 13.55x). Current valuation broadly matches recent historical reference points; the difference from five-year medians is -2.8%.
Current earnings relative to valuation equal about 7.5% on the 1/P/E measure. This is a valuation reference, not an expected payout.
End-period return metrics are ROE 2.6%, ROA 0.3%. Low capital returns limit the ability to compound value internally.
PEG is 0.11x. Price is low relative to embedded growth, though the ratio depends heavily on forecast quality.
High leverage is part of the financial-sector model, so valuation should be linked to capital, asset quality and ROE.
Overall picture
BankFinancial Corporation trades near its familiar ratio range. A new earnings or profitability trend is needed to change the view.
Annual Financial Ratios BankFinancial Corporation
| 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
P/E |
- | 13.3 | 12.8 | 20.7 | 13.7 | 17.1 | 13.7 | 31.8 | 33.8 | 27.9 | 5.6 | 56.5 | -5.6 | -2.3 | - | - | - |
P/S |
- | 37.7 | 41.0 | 48.1 | 2.4 | 3.4 | 4.0 | 5.1 | 4.7 | 4.6 | 4.3 | 3.4 | 2.4 | 1.6 | - | - | - |
EPS |
0.3 | 0.7 | 0.8 | 0.5 | 0.6 | 0.8 | 1.1 | 0.5 | 0.4 | 0.4 | 2.0 | 0.2 | -1.4 | -2.5 | -0.2 | -0.0 | - |
EV (Enterprise Value) |
1.19 B | 1.28 B | 1.49 B | 1.19 B | 1.05 B | 1.32 B | 1.57 B | 1.59 B | 1.57 B | 1.48 B | 1.42 B | 1.3 B | 1.18 B | 1.36 B | 1.06 B | -108 M | -29.3 M |
EBITDA per Share |
0.01 | 0.12 | 0.1 | 0.15 | 0.865 | - | - | - | - | - | - | - | - | - | 0.23 | 0.22 | - |
EV/EBITDA |
7322.7 | 829.6 | 1181.4 | 570.2 | -28.5 | - | - | - | - | - | - | - | - | - | 237.5 | -25.0 | - |
PEG |
- | - | - | - | -0.64 | -0.53 | 0.11 | 1.41 | -3.71 | -0.36 | 0.01 | 0.5 | -0.12 | 0.0 | - | - | - |
P/B |
- | 0.8 | 0.9 | 1.0 | 0.7 | 1.1 | 1.4 | 1.4 | 1.2 | 1.1 | 1.1 | 1.1 | 0.9 | 0.6 | - | - | - |
P/CF |
- | 13.6 | 14.4 | 19.7 | 10.9 | 9.7 | 13.9 | 13.2 | 13.9 | 16.9 | 13.7 | 19.1 | 10.3 | 6.4 | - | - | - |
ROE % |
2.60 | 6.05 | 6.92 | 4.71 | 5.30 | 6.69 | 10.34 | 4.56 | 3.66 | 4.08 | 18.79 | 1.88 | -15.68 | -24.37 | -1.70 | -0.28 | - |
ROA % |
0.28 | 0.63 | 0.67 | 0.44 | 0.57 | 0.78 | 1.22 | 0.55 | 0.46 | 0.57 | 2.77 | 0.23 | -1.83 | -3.11 | -0.28 | - | - |
Current Ratio |
1.1 | 1.1 | 1.1 | 1.1 | - | - | - | - | - | - | - | - | - | - | 1.2 | - | - |
DSO |
741.2 | 818.4 | 668.7 | 492.3 | 28.1 | 28.5 | 27.0 | 29.8 | 29.8 | 29.1 | 27.0 | 26.5 | 26.4 | 38.5 | - | - | - |
Operating Cycle |
741.2 | 818.4 | 668.7 | 492.3 | - | - | - | - | - | - | - | - | - | - | - | - | - |
Cash Conversion Cycle |
741.2 | 818.4 | 668.7 | 492.3 | - | - | - | - | - | - | - | - | - | - | - | - | - |
All numbers in USD currency
Quarterly Financial Ratios BankFinancial Corporation
| 2025-Q3 | 2025-Q2 | 2025-Q1 | 2024-Q3 | 2024-Q2 | 2024-Q1 | 2023-Q3 | 2023-Q2 | 2023-Q1 | 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
EPS |
0.19 | -0.03 | 0.17 | 0.16 | 0.17 | 0.14 | 0.19 | 0.18 | 0.21 | - | 0.25 | 0.19 | 0.1 | - | 0.12 | 0.13 | 0.1 | 0.17 | 0.13 | 0.16 | 0.16 | 0.22 | 0.26 | 0.05 | 0.22 | 0.44 | 0.22 | 0.26 | 0.2 | 0.06 | 0.2 | 0.14 | 0.1 | 0.12 | 0.13 | 0.04 | 0.1 | 0.11 | 0.12 | 0.11 | 0.1 | 1.72 | 0.17 | 0.07 | 0.05 | 0.08 | 0.05 | - | 0.03 | -1.25 | -0.26 | 0.04 | 0.12 | -2.38 | -0.1 | 0.05 | -0.04 |
EBITDA per Share |
- | - | - | - | - | 0.03 | - | - | 0.02 | - | 0.08 | - | 0.04 | - | 0.11 | - | 0.03 | - | 0.09 | 0.06 | 0.03 | - | 0.08 | 0.05 | 0.02 | - | 0.14 | 0.1 | 0.05 | - | 0.16 | 0.1 | 0.05 | - | 0.15 | 0.1 | 0.05 | - | 0.14 | 0.09 | 0.05 | - | 0.14 | 0.1 | 0.05 | - | 0.16 | 0.11 | 0.06 | - | 0.17 | 0.11 | 0.06 | - | 0.17 | 0.11 | 0.06 |
ROE % |
3.84 | 3.70 | 5.02 | 5.24 | 5.51 | 5.88 | 6.92 | 7.04 | 6.35 | 4.62 | 5.66 | 4.69 | 3.88 | 3.05 | 4.47 | 4.55 | 4.76 | 5.30 | 5.83 | 6.95 | 6.06 | 6.69 | 8.71 | 8.46 | 10.47 | 10.34 | 6.87 | 6.68 | 5.51 | 4.56 | 5.16 | 4.58 | 3.69 | 3.66 | 3.56 | 3.44 | 4.08 | 4.08 | 19.13 | 19.69 | 19.29 | 18.79 | 3.60 | 2.53 | 1.93 | 1.88 | -13.45 | -17.06 | -16.65 | -15.68 | -24.75 | -22.68 | -22.62 | -24.37 | -0.95 | 0.51 | -0.39 |
ROA % |
0.42 | 0.40 | 0.54 | 0.56 | 0.57 | 0.59 | 0.68 | 0.60 | 0.54 | 0.37 | 0.49 | 0.29 | 0.38 | 0.31 | 0.46 | 0.48 | 0.51 | 0.57 | 0.65 | 0.79 | 0.70 | 0.78 | 1.02 | 1.00 | 1.23 | 1.22 | 0.81 | 0.80 | 0.66 | 0.55 | 0.63 | 0.57 | 0.46 | 0.46 | 0.46 | 0.46 | 0.56 | 0.57 | 2.80 | 2.89 | 2.84 | 2.77 | 0.51 | 0.34 | 0.24 | 0.23 | -1.57 | -1.99 | -1.94 | -1.83 | -3.15 | -2.92 | -2.91 | -3.11 | -0.12 | 0.07 | -0.05 |
Current Ratio |
1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | - | 1.1 | - | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 |
DSO |
426.1 | 476.5 | 632.6 | 811.4 | 932.9 | 905.3 | 919.2 | 924.3 | 465.0 | - | 385.9 | 325.3 | 615.6 | - | 583.9 | 570.0 | 533.9 | - | 431.7 | 488.6 | 437.4 | - | 423.6 | 427.5 | 466.8 | - | 450.5 | 456.9 | 446.5 | - | 414.0 | 423.2 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Operating Cycle |
- | 476.5 | 632.6 | 811.4 | 932.9 | 905.3 | 919.2 | 924.3 | 465.0 | - | 385.9 | 325.3 | 615.6 | - | 583.9 | 570.0 | 533.9 | - | 431.7 | 488.6 | 437.4 | - | 423.6 | 427.5 | 466.8 | - | 450.5 | 456.9 | 446.5 | - | 414.0 | 423.2 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Cash Conversion Cycle |
- | 476.5 | 632.6 | 811.4 | 932.9 | 905.3 | 919.2 | 924.3 | 465.0 | - | 385.9 | 325.3 | 615.6 | - | 583.9 | 570.0 | 533.9 | - | 431.7 | 488.6 | 437.4 | - | 423.6 | 427.5 | 466.8 | - | 450.5 | 456.9 | 446.5 | - | 414.0 | 423.2 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
All numbers in USD currency
Multiples are an important financial analysis tool for the company BankFinancial Corporation, allowing investors and analysts to quickly assess the company’s value and investment attractiveness based on the ratio of market indicators to the company’s financial performance. Essentially, multiples express how the market values the company relative to its earnings, revenue, equity, or other key metrics.
Advantages of Using Financial Ratios- Simplified Data Analysis
Financial ratios transform large volumes of accounting data into compact and easily interpretable indicators, significantly simplifying the assessment of the company’s condition. - Comparability Between Companies
Multiples standardize financial metrics, enabling objective comparison of companies of different sizes, industries, and market capitalizations. - Identification of Trends and Issues
Regular analysis of ratios helps track the dynamics of financial health, identify strengths and weaknesses of the business, as well as potential risks. - Decision Support
Financial multiples serve as an important tool for investors, creditors, and company management in making investment, credit, and managerial decisions. - Accelerated Assessment of Investment Attractiveness
Ratios allow quick determination of key performance, liquidity, and financial stability indicators, facilitating prompt evaluation of companies’ attractiveness for investments.
Using multiples enables comparison between companies, even if they differ in size or industry, as they standardize financial data into ratios convenient for analysis. This is especially useful for evaluating companies where direct analysis of financial statements may be complex or require in-depth knowledge.
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