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BankFinancial (BFIN) Key Ratios

Stock Card factsheet share-fund-plan-icon

$12.00

$0.00 (0.00%)

As on 08-Jan-2026 09:30EDT

Market cap

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$150 Mln

Revenue (TTM)

info icon

$73 Mln

P/E Ratio

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63.2

P/B Ratio

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1

Div. Yield

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0 %

Key Ratios and Highlights

Growth Score (%) Quarterly Annual (TTM)
Particulars QoQ YoY 1-Year 3-Years 5-Years
Revenue 1.87 0.23 -2.62 8.13 3.39
EBIT 423.06 9.95 -82.21 -46.40 -32.94
Net Profit 757.10 18.36 -70.73 -37.36 -25.52
EPS 757.09 18.37 -70.70 -36.21 -22.57
Book Value -- -- 1.04 1.87 2.00
Key Ratios (%) Average Annual (TTM)
Particulars3-Years5-YearsTTMDec-24Dec-23
EBIT-Margin info 15.7517.572.576.7517.92
Net Margin info ----3.19----
Return on equity info 5.175.061.472.616.12
Return on Capital info 4.344.45--2.065.04
Return on Assets info 0.510.520.120.280.61
Debt to Equity (x) info ----0.120.250.29

Profitability

View Detailed Peer Comparison

ROCE

--

--

Earning before interest and taxes / (Average net worth + Average total Debt) * 100

Company Name
TTM
Dec-24
Dec-23
Dec-22
Dec-21
BankFinancial (BFIN)
--
2.06
5.04
5.92
4.08
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
ROE

1.47

Lower than Peers by 8.47

Profit after tax / Average Net worth * 100

Company Name
TTM
Dec-24
Dec-23
Dec-22
Dec-21
BankFinancial (BFIN)
1.47
2.61
6.12
6.79
4.49
Peer Median
9.95
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
ROA

0.12

Lower than Peers by 0.86

Profit after tax / Average Total assets * 100

Company Name
TTM
Dec-24
Dec-23
Dec-22
Dec-21
BankFinancial (BFIN)
0.12
0.28
0.61
0.64
0.45
Peer Median
0.98
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EBIT Margin

2.57

Lower than Peers by 18.64

Operating profit (EBIT) / Net Sales * 100

Company Name
TTM
Dec-24
Dec-23
Dec-22
Dec-21
BankFinancial (BFIN)
2.57
6.75
17.92
22.58
18.67
Peer Median
21.20
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Net Margin

3.19

Lower than Peers by 17.34

Net profit / Total Income (Net sales plus other income) * 100

Company Name
TTM
Dec-24
Dec-23
Dec-22
Dec-21
BankFinancial (BFIN)
3.19
5.48
13.20
17.13
14.18
Peer Median
20.53
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Cash Profit Margin

--

--

(Net profit + Depreciation) / Gross Sales * 100

Company Name
TTM
Dec-24
Dec-23
Dec-22
Dec-21
BankFinancial (BFIN)
--
--
--
--
--
Peer Median
0.00
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Growth

View Detailed Peer Comparison

Revenue Growth

-2.62

Lower than Peers by 13.54

Year on year growth in net sales

Company Name
TTM
Dec-24
Dec-23
Dec-22
Dec-21
BankFinancial (BFIN)
-2.62
0.05
0.16
0.17
-0.10
Peer Median
10.92
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EBIT Growth

-82.21

Lower than Peers by 70.68

Year on year growth in operating profit (EBIT)

Company Name
TTM
Dec-24
Dec-23
Dec-22
Dec-21
BankFinancial (BFIN)
-82.21
-60.63
-7.83
41.78
-23.53
Peer Median
-11.54
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Net Profit Growth

-70.73

Lower than Peers by 77.32

Year on year growth in profit after tax

Company Name
TTM
Dec-24
Dec-23
Dec-22
Dec-21
BankFinancial (BFIN)
-70.73
-56.64
-10.49
41.62
-19.13
Peer Median
6.59
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EPS Growth

-70.70

Lower than Peers by 76.01

Year on year growth in earnings per share

Company Name
TTM
Dec-24
Dec-23
Dec-22
Dec-21
BankFinancial (BFIN)
-70.70
-0.56
-0.08
0.46
-0.10
Peer Median
5.32
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Book Value Growth

-1.10

Lower than Peers by 9.92

Year on year growth in book value per share

Company Name
TTM
Dec-24
Dec-23
Dec-22
Dec-21
BankFinancial (BFIN)
-1.10
--
--
--
--
Peer Median
8.82
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Solvency

View Detailed Peer Comparison

Debt to Equity

0.12

Lower than Peers by 0.09

Total debt / Net worth

Company Name
TTM
Dec-24
Dec-23
Dec-22
Dec-21
BankFinancial (BFIN)
0.12
0.25
0.29
0.14
0.16
Peer Median
0.20
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Short term debt to equity ratio

0.06

--

(Short term borrowings / Net worth)

Company Name
TTM
Dec-24
Dec-23
Dec-22
Dec-21
BankFinancial (BFIN)
0.06
--
0.20
0.01
0.03
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Current Ratio

0.51

Higher than Peers by 0.22

Current Assets / Current Liabilities and Provisions

Company Name
TTM
Dec-24
Dec-23
Dec-22
Dec-21
BankFinancial (BFIN)
0.51
0.35
0.29
61.25
0.39
Peer Median
0.28
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Quick Ratio

0.51

Higher than Peers by 0.17

(Current Assets - Inventory) / Current Liabilities and Provisions

Company Name
TTM
Dec-24
Dec-23
Dec-22
Dec-21
BankFinancial (BFIN)
0.51
--
1.15
17.75
0.73
Peer Median
0.34
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Interest Coverage

1.09

Lower than Peers by 0.69

Earning before interest and taxes (EBIT) / Interest Expenses

Company Name
TTM
Dec-24
Dec-23
Dec-22
Dec-21
BankFinancial (BFIN)
1.09
0.25
0.89
3.09
3.49
Peer Median
1.78
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Operating Efficiency

View Detailed Peer Comparison

Debtors to sales

6.21

Lower than Peers by 0.82

Debtors outstanding / Net Sales * 100

Company Name
TTM
Dec-24
Dec-23
Dec-22
Dec-21
BankFinancial (BFIN)
6.21
8.61
10.60
11.98
8.89
Peer Median
7.03
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Asset Turnover

0.04

Lower than Peers by 0.01

Sales / Average Total Assets

Company Name
TTM
Dec-24
Dec-23
Dec-22
Dec-21
BankFinancial (BFIN)
0.04
0.05
0.05
0.04
0.03
Peer Median
0.05
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Receivable days

--

--

Average Debtors / Sales * 365

Company Name
TTM
Dec-24
Dec-23
Dec-22
Dec-21
BankFinancial (BFIN)
--
34.23
38.19
35.73
30.02
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Inventory Days

--

--

Average Inventory / Sales * 365

Company Name
TTM
Dec-24
Dec-23
Dec-22
Dec-21
BankFinancial (BFIN)
--
-15,652.51
-2,474.18
10,774.61
-119,297.25
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Payable days

--

--

Average Creditors / Cost of goods sold * 365

Company Name
TTM
Dec-24
Dec-23
Dec-22
Dec-21
BankFinancial (BFIN)
--
--
504.60
1,228.09
4,689.02
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Cash Conversion Cycle

--

--

Receivable Days + Inventory Days - Payable Days

Company Name
TTM
Dec-24
Dec-23
Dec-22
Dec-21
BankFinancial (BFIN)
--
--
-2,940.59
9,582.24
-123,956.26
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Valuation

View Detailed Peer Comparison

Price / Earnings

63.16

Higher than Peers by 50.32

Current share price divided by earning per share in the last twelve months

Company Name
TTM
Dec-24
Dec-23
Dec-22
Dec-21
BankFinancial (BFIN)
63.16
38.84
13.66
12.91
19.10
Peer Median
12.84
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Price / Book Value

0.95

Lower than Peers by 0.38

Current share price divided by book value per share in the latest financial year

Company Name
TTM
Dec-24
Dec-23
Dec-22
Dec-21
BankFinancial (BFIN)
0.95
1.01
0.83
0.89
0.90
Peer Median
1.33
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Dividend Yield

--

--

Dividend per share in the past twelve months divided by current share price

Company Name
TTM
Dec-24
Dec-23
Dec-22
Dec-21
BankFinancial (BFIN)
--
--
--
--
--
Peer Median
2.42
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EV/EBITDA

--

--

Enterprise Value (Current Market Capitalisation + Total Debt - Cash & Equivalents) / Earnings before interest, taxes, depreciation and taxes (EBITDA)

Company Name
TTM
Dec-24
Dec-23
Dec-22
Dec-21
BankFinancial (BFIN)
--
-42.03
-13.17
-8.00
-35.65
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Market Cap

150

Lower than Peers by 142

Current Share price multiplied by latest total number of shares outstanding

Company Name
TTM
Dec-24
Dec-23
Dec-22
Dec-21
BankFinancial (BFIN)
150
--
--
--
--
Peer Median
292
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
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