BFIN - NASDAQ
BankFinancial Corporation
$12.00
+0.0000%BankFinancial Corporation operates as the bank holding company for BankFinancial, National Association that provides various commercial, family, and personal banking products and services. The company accepts various deposit products, including savings, NOW, checking, money market, IRA, and other retirement accounts, as well as certificates of deposit. Its loan products include multi-family and nonresidential real estate, construction and land, and commercial loans and leases; one-to-four family residential mortgage loans, including home equity loans and lines of credit; and consumer loans. The company also provides cash management, funds transfer, bill payment, other online and mobile banking transactions, automated teller machines, safe deposit boxes, trust, wealth management, and general insurance agency services. In addition, it offers financial planning services; and sells property and casualty, and other insurance products on an agency basis. The company operates 19 full-service banking offices located in Cook, DuPage, Lake, and Will Counties, Illinois. BankFinancial Corporation was founded in 1924 and is headquartered in Burr Ridge, Illinois.
At a Glance
Live SnapshotBankFinancial Corporation Profit Bridge
Profitability Analysis
Gross Margin
Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.
Operating Margin
Acceptable margins but limited operational leverage. Operating expense control is important.
Net Profit Margin
Moderate profitability with room for improvement. Monitor interest expenses and tax efficiency.
Effective Tax Rate
Moderate tax rate typical for most corporations. Represents standard tax burden on profits.
Profitability Insight
Margin squeeze alert: Healthy gross margins but weak operating margins suggest excessive operating expenses. Cost optimization could unlock significant value.
BankFinancial Corporation Income Statement
BFIN • NASDAQ
| BankFinancial Corporation Income Statement | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 2006 | Dec 2005 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
REVENUE | ||||||||||||||||||||
74.4M | 71.2M | 61.3M | 52.3M | 58.2M | 71.6M | 76.1M | 62.6M | 57.6M | 55.8M | 56.2M | 57.7M | 68.9M | 78.1M | 72.6M | 81.8M | 87.1M | 101.6M | 104.6M | 88.9M | |
GROSS PROFIT | ||||||||||||||||||||
(25.2M) | (14.6M) | (6.3M) | (1.6M) | (7M) | (17M) | (9.4M) | (6M) | (3.7M) | -392K | (2.3M) | (3M) | (36M) | (29.6M) | (25.3M) | (29.4M) | (30.8M) | (39M) | (37.4M) | (29.3M) | |
49.2M | 56.5M | 55M | 50.7M | 51.2M | 54.5M | 66.7M | 56.6M | 53.9M | 56.2M | 53.9M | 54.8M | 33M | 48.5M | 47.3M | 52.4M | 56.3M | 62.6M | 67.2M | 59.6M | |
OPERATING INCOME | ||||||||||||||||||||
(44.2M) | (43.8M) | (41.1M) | (40.9M) | (38.4M) | (38.6M) | (40.7M) | (40.4M) | (41.7M) | (42.1M) | (44.6M) | (51.5M) | (60.1M) | (84.8M) | (54.3M) | (53.2M) | (87.8M) | (52.5M) | (52.4M) | (44.2M) | |
(24.3M) | (23.9M) | (22.7M) | (23.9M) | (22.3M) | (22.1M) | (24.3M) | (23.4M) | (24.4M) | (24.1M) | (25.4M) | (29M) | (28.3M) | (28.4M) | (29.7M) | (38M) | (37.6M) | (33.7M) | (35.6M) | (29.1M) | |
5M | 12.8M | 13.8M | 9.8M | 12.8M | 15.9M | 26M | 16.2M | 12.2M | 14.1M | 9.3M | 3.3M | -27.1M | -36.3M | -7.1M | -751K | -31.4M | 10.1M | 14.9M | 15.4M | |
PRE-TAX INCOME | ||||||||||||||||||||
(20.1M) | (14.3M) | (4.5M) | (2.8M) | (7M) | (13.2M) | (9.2M) | (6.1M) | (4M) | (2.8M) | (3M) | (3.7M) | (4.4M) | (6.9M) | (13.2M) | (20.6M) | (25.7M) | (38.3M) | (37.5M) | (28.8M) | |
48.4M | 51.8M | 50.8M | 43.8M | 45.9M | 52.2M | 52.1M | 50.1M | 47M | 46.1M | 46.3M | 45.7M | 56.3M | 62.8M | 51.8M | 53.6M | 52.3M | 53.6M | 56.6M | 51.4M | |
(19.9M) | (19.9M) | (18.4M) | (17.1M) | (16.2M) | (16.6M) | (16.4M) | (17M) | (17.3M) | (18M) | (19.2M) | (22.4M) | (31.8M) | (56.4M) | (24.6M) | (15.1M) | (50M) | (18.8M) | (16.7M) | (15.1M) | |
5M | 12.8M | 13.8M | 9.8M | 12.8M | 15.9M | 26M | 16.2M | 12.2M | 14.1M | 9.3M | 3.3M | -27.1M | -36.3M | -7.1M | -751K | -31.4M | 10.1M | 14.9M | 15.4M | |
NET INCOME | ||||||||||||||||||||
(948K) | (3.4M) | (3.3M) | (2.3M) | (3.6M) | (4.2M) | (6.7M) | (7.2M) | (4.7M) | (5.4M) | -31.3M | (0.0) | (0.0) | (12.4M) | -2.7M | -13K | -12M | (3M) | (4.8M) | (4.3M) | |
4.1M | 9.4M | 10.5M | 7.4M | 9.2M | 11.7M | 19.3M | 9M | 7.5M | 8.7M | 40.6M | 3.3M | -27.1M | -48.7M | -4.3M | -738K | -19.4M | 7.2M | 10M | 11.1M |
SEC Filings
BFIN - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
8-K 8-K 2026 N/A | January 02, 2026 | January 01, 2026 | 2026 | |
8-K 8-K 2025 N/A | December 18, 2025 | December 18, 2025 | 2025 | |
8-K 8-K 2025 N/A | December 05, 2025 | December 05, 2025 | 2025 | |
8-K 8-K 2025 N/A | November 10, 2025 | November 07, 2025 | 2025 | |
8-K 8-K 2025 N/A | October 30, 2025 | October 30, 2025 | 2025 | |
8-K 8-K 2025 N/A | October 30, 2025 | October 30, 2025 | 2025 | |
10-Q 10-Q 2025 Q3 Q3 | October 30, 2025 | September 30, 2025 | 2025 | |
8-K 8-K 2025 N/A | August 14, 2025 | August 11, 2025 | 2025 | |
8-K 8-K 2025 N/A | August 11, 2025 | August 11, 2025 | 2025 | |
8-K 8-K 2025 N/A | August 06, 2025 | July 25, 2025 | 2025 |
Related Guides
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Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.