BFIN - NASDAQ

BankFinancial Corporation

BFIN·NASDAQ

$12.00

+0.0000%

Financial ServicesBanks - Regional

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.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$149.53M

EPS0.3300

P/E Ratio38.86

Earnings Date02/02/2026

1.43B

Assets

-4%

3Y-16.0%

5Y-4.0%

10Y-5.0%

1.28B

Total Liabilities

-4%

3Y-17.0%

5Y-3.0%

10Y-2.0%

156.38M

Total Equity

3Y-1.0%

5Y-10.0%

10Y-26.0%

BankFinancial Corporation Funding & Solvency Profile

BFIN · NASDAQ

Current Assets

Cash & Cash Equivalents118.98M

Net Receivables6.40M

Inventory0.00

Other Current Assets0.00

Total Current Assets421 M

Non-Current Assets

Property, Plant & Equipment22.89M

Goodwill & Intangible Assets0.00

Long-Term Investments952.28M

Other Non-Current Assets34.66M

Total Non-Current Assets1 B

Total Assets

1.43B

Financial Health Analysis

Current Ratio

0.35x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

8.18x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-796321000

Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.

Asset Composition

29% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

BankFinancial Corporation Balance Sheet

BFIN • NASDAQ

BankFinancial Corporation Balance Sheet	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
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	119M	208M	66.8M	502.2M	503.5M	190.3M	98.2M	127.6M	96.7M	59.4M	59.6M	161M	275.8M	120.7M	220.8M	108.2M	29.3M	28.9M	67.3M	38M
Short-Term Investments	295.8M	153.2M	210.3M	85.7M	23.8M	60.2M	88.2M	93.4M	107.2M	114.8M	121.2M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Cash & Short-Term Investments	414.8M	361.2M	277.1M	587.9M	527.3M	250.5M	186.4M	221M	203.9M	174.1M	180.8M	161M	275.8M	120.7M	220.8M	108.2M	29.3M	28.9M	67.3M	38M
Net Receivables	6.4M	7.5M	7.3M	4.6M	3.9M	4.6M	5M	4.6M	4.4M	4.2M	3.9M	3.9M	4.1M	7.4M	7.1M	17.8M	8.1M	7.1M	7.9M	6.6M
Accounts Receivables	6.4M	7.5M	7.3M	4.6M	3.9M	4.6M	5M	4.6M	4.4M	4.2M	3.9M	3.9M	4.1M	5.6M	5.4M	6.1M	6.7M	7.1M	7.9M	6.6M
Other Receivables	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	1.8M	1.7M	11.7M	1.4M	0.0	0.0	0.0
Prepaids	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	4.4M	4.8M	6.8M	0.0	0.0	0.0	0.0
Total Current Assets	421.2M	368.7M	284.4M	592.5M	531.3M	255.1M	191.3M	225.6M	208.3M	178.4M	184.7M	164.9M	279.9M	132.4M	232.8M	132.8M	37.4M	36M	75.2M	44.6M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	22.9M	23M	25M	25M	24.7M	24.3M	25.2M	24.9M	31.4M	32.7M	34.3M	35.3M	38.3M	39.2M	32.5M	34.6M	34.6M	34.5M	35M	32.8M
Goodwill	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	22.6M	22.6M	22.6M	22.6M	22.6M	10.9M
Intangible Assets	0.0	0.0	0.0	0.0	7K	41K	102K	286K	782K	1.3M	1.9M	2.4M	3M	3.7M	2.7M	4.3M	6M	7.8M	9.6M	8.2M
Goodwill & Intangible Assets	0.0	0.0	0.0	0.0	7K	41K	102K	286K	782K	1.3M	1.9M	2.4M	3M	3.7M	25.3M	26.9M	28.6M	30.3M	32.2M	19.1M
Long-Term Investments	952.3M	1.1B	1.2B	1B	1B	1.2B	1.3B	1.3B	1.3B	1.2B	1.2B	1.2B	1.1B	1.3B	1.2B	1.3B	1.4B	1.3B	1.4B	1.5B
Tax Assets	3.8M	4.5M	5.5M	2.8M	2.7M	3.9M	6.2M	12.6M	22.4M	26.7M	31.6M	0.0	0.0	0.0	9.3M	6.6M	0.0	0.0	0.0	0.0
Other Non-Current Assets	34.7M	39.9M	33.8M	36.2M	35.6M	36.7M	38.7M	41.9M	44.2M	41.1M	40.6M	42M	49.5M	66.2M	56.5M	45.4M	60.4M	48.5M	22.6M	37.4M
Total Non-Current Assets	1B	1.1B	1.3B	1.1B	1.1B	1.2B	1.4B	1.4B	1.4B	1.3B	1.3B	1.3B	1.2B	1.4B	1.3B	1.4B	1.5B	1.4B	1.5B	1.6B
Total Assets	1.4B	1.5B	1.6B	1.7B	1.6B	1.5B	1.6B	1.6B	1.6B	1.5B	1.5B	1.5B	1.5B	1.6B	1.5B	1.6B	1.6B	1.5B	1.6B	1.6B
LIABILITIES
CURRENT LIABILITIES
Total Payables	0.0	0.0	20.2M	22.2M	17.7M	18.6M	14.1M	15.5M	13.8M	11.3M	13.2M	11.8M	9.7M	10.9M	10.9M	11.1M	9.6M	11.8M	11.1M	18.4M
Accounts Payable	0.0	0.0	20.2M	22.2M	17.7M	18.6M	14.1M	15.5M	13.8M	11.3M	13.2M	11.8M	9.7M	10.9M	10.9M	11.1M	9.6M	11.8M	11.1M	18.4M
Short Term Debt	0.0	0.0	0.0	5M	4M	0.0	0.0	0.0	0.0	0.0	12.9M	3.1M	5.6M	6.3M	0.0	0.0	0.0	24.9M	103.1M	0.0
Other Current Liabilities	1.2B	1.3B	1.4B	1.5B	1.4B	1.3B	1.4B	1.3B	1.3B	1.2B	1.2B	1.3B	1.3B	1.3B	1.2B	1.2B	1.1B	1.1B	1.1B	1.1B
Total Current Liabilities	1.2B	1.3B	1.4B	1.5B	1.4B	1.3B	1.4B	1.4B	1.4B	1.2B	1.2B	1.3B	1.3B	1.3B	1.2B	1.2B	1.1B	1.1B	1.2B	1.1B
NON-CURRENT LIABILITIES
Long Term Debt	38.7M	44.7M	19.6M	19.6M	4M	61K	21M	60.8M	51.1M	64.3M	12.9M	0.0	0.0	3M	23.7M	50.8M	200.4M	71.5M	35M	191.4M
Other Non-Current Liabilities	22.2M	25.7M	9M	8M	4.7M	10.2M	10.5M	11.6M	11M	11.5M	-1.4M	10.4M	10.7M	11M	7.3M	8.1M	8.1M	7.5M	8.5M	8M
Total Non-Current Liabilities	60.9M	70.4M	28.6M	27.6M	8.7M	10.3M	31.6M	72.4M	62.1M	75.8M	11.5M	10.4M	10.7M	14M	31.1M	58.8M	208.5M	79M	43.5M	199.4M
Capital Lease Obligations	0.0	0.0	0.0	0.0	0.0	4.9M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Liabilities	1.3B	1.3B	1.4B	1.5B	1.4B	1.3B	1.4B	1.4B	1.4B	1.3B	1.2B	1.3B	1.3B	1.4B	1.3B	1.3B	1.3B	1.2B	1.3B	1.3B
SHAREHOLDERS' EQUITY
Common Stock	125K	125K	127K	132K	148K	153K	165K	179K	192K	203K	211K	211K	211K	211K	211K	214K	217K	222K	243K	245K
Additional Paid-In Capital	83.3M	83.5M	85.8M	90.7M	107.8M	112.4M	130.5M	153.8M	173M	184.8M	193.8M	193.6M	193.6M	193.8M	194.2M	195.2M	195.1M	198.4M	227.7M	240.2M
Retained Earnings	73.5M	74.4M	71.8M	66.5M	64.8M	61.6M	56.2M	43.3M	39.5M	36.1M	31.6M	-7.3M	-9.8M	17.9M	71.3M	81.5M	88.3M	113.8M	113.1M	107.5M
Accumulated Other Comprehensive Income/Loss	-562K	-2.6M	-6.1M	80K	213K	226K	271K	370K	376K	547K	757K	419K	1.1M	1.1M	1.8M	1.9M	-676K	-21.3M	-15.1M	-19.2M
Other Total Stockholders' Equity	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	-8.3M	-9.3M	-10.3M	-11.3M	-12.2M	-13.2M	-14.2M	-15.2M	-16.1M	0.0	0.0	0.0
Total Stockholders' Equity	156.4M	155.4M	151.7M	157.5M	172.9M	174.4M	187.2M	197.6M	204.8M	212.4M	216.1M	175.6M	172.9M	199.9M	253.3M	263.6M	266.8M	291.1M	326M	328.8M
Total Equity	156.4M	155.4M	151.7M	157.5M	172.9M	174.4M	187.2M	197.6M	204.8M	212.4M	216.1M	175.6M	172.9M	199.9M	253.3M	263.6M	266.8M	291.1M	326M	328.8M
SUMMARY
Total Liabilities & Equity	1.4B	1.5B	1.6B	1.7B	1.6B	1.5B	1.6B	1.6B	1.6B	1.5B	1.5B	1.5B	1.5B	1.6B	1.5B	1.6B	1.6B	1.5B	1.6B	1.6B
Total Investments	1.2B	1.2B	1.4B	1.1B	1B	1.2B	1.4B	1.4B	1.4B	1.3B	1.3B	1.2B	1.1B	1.3B	1.2B	1.3B	1.4B	1.3B	1.4B	1.5B
Total Debt	38.7M	44.7M	19.6M	24.6M	8M	61K	21M	60.8M	51.1M	64.3M	25.8M	3.1M	5.6M	9.3M	23.7M	50.8M	200.4M	96.4M	138.1M	191.4M
Net Debt	-80.2M	-163.3M	-47.1M	-477.6M	-495.5M	-190.3M	-77.2M	-66.8M	-45.6M	4.9M	-33.7M	-157.9M	-270.2M	-111.4M	-197.1M	-57.4M	171M	67.5M	70.8M	153.4M
Shares Outstanding	12,460,678	12,460,678	12,460,678	12,460,678	12,460,678	12,460,678	12,460,678	12,460,678	12,460,678	12,460,678	12,460,678	12,460,678	12,460,678	12,460,678	12,460,678	12,460,678	12,460,678	12,460,678	12,460,678	12,460,678

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	View Filing
8-K 8-K 2025 N/A	December 18, 2025	December 18, 2025	2025	View Filing
8-K 8-K 2025 N/A	December 05, 2025	December 05, 2025	2025	View Filing
8-K 8-K 2025 N/A	November 10, 2025	November 07, 2025	2025	View Filing
8-K 8-K 2025 N/A	October 30, 2025	October 30, 2025	2025	View Filing
8-K 8-K 2025 N/A	October 30, 2025	October 30, 2025	2025	View Filing
10-Q 10-Q 2025 Q3 Q3	October 30, 2025	September 30, 2025	2025	View Filing
8-K 8-K 2025 N/A	August 14, 2025	August 11, 2025	2025	View Filing
8-K 8-K 2025 N/A	August 11, 2025	August 11, 2025	2025	View Filing
8-K 8-K 2025 N/A	August 06, 2025	July 25, 2025	2025	View Filing

Showing 1 to 10 of 461 filings

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