BankFinancial Corporation
Description
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.
About
CEO
Mr. F. Morgan Gasior
Employees
198
Instrument type
Common Stock
Sector
Financial Services
Industry
Banks - Regional
MIC code
XNGS
Address
60 North Frontage Road, Burr Ridge, IL 60527, United States
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![Enlarged Chart]()
Oscillators
No data available
Summary
No data available
Moving Averages
No data available
Earnings
| Date | Estimate EPS | Actual EPS | Difference | % Surprise |
|---|---|---|---|---|
| Nov 4, 2025 | — | — | — | — |
| Jul 30, 2025 | — | — | — | — |
| May 7, 2025 | — | — | — | — |
| Nov 6, 2024 | 0.20 | 0.16 | -0.04 | -20.00% |
| Aug 1, 2024 | 0.17 | 0.17 | 0.00 | 0.00% |
Earnings estimate
|
Next Quarter
(Mar 2025)
|
Next Year
(Dec 2025)
|
|||
|---|---|---|---|---|
| Number of analysts | — | 2 | — | 2 |
| Average estimate | — | 0.18 | — | 0.80 |
| Low estimate | — | 0.18 | — | 0.78 |
| High estimate | — | 0.18 | — | 0.81 |
| Last year EPS | — | 0.14 | — | 0.70 |
[stock_revenue_estimate]
Growth estimates
Current qtr
35.290%
Next qtr. (Mar 2025)
28.570%
Current year
-5.340%
Next year (Dec 2025)
13.570%
Next 5 years (per annum)
—
Past 5 years (per annum)
—
Income statement
| 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|
| Fiscal date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Total reported revenue | 56.84M | 56.79M | 49.46M | 51.25M | 58.36M |
| Cost of revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating expense | |||||
| Research & development | — | — | — | — | — |
| Selling general and admin | 23.86M | 22.73M | 23.86M | 26.85M | 26.65M |
| Other operating expenses | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Non operating interest income | |||||
| Income | — | — | — | — | — |
| Expense | — | — | — | — | — |
| Other income expense | — | — | — | — | — |
| Pretax income | 12.75M | 13.84M | 9.76M | 12.76M | 15.90M |
| Tax provision | 3.36M | 3.34M | 2.35M | 3.60M | 4.23M |
| Net income | 9.39M | 10.49M | 7.41M | 9.16M | 11.67M |
| Basic EPS | 0.74 | 0.80 | 0.53 | 0.61 | 0.75 |
| Diluted EPS | 0.74 | 0.80 | 0.53 | 0.61 | 0.75 |
| Basic average shares | 12.62M | 13.12M | 13.98M | 15.02M | 15.56M |
| Diluted average shares | 12.62M | 13.12M | 13.98M | 15.02M | 15.56M |
| EBITDA | — | — | — | — | — |
| Net income from continuing op. | 9.39M | 10.49M | 7.41M | 9.16M | 11.67M |
| Minority interests | — | — | — | — | — |
| Preferred stock dividends | — | — | — | — | — |
Balance sheet
| 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|
| Fiscal date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Total assets | — | — | — | — | — |
| Current assets | |||||
| Cash | 19.78M | 12.05M | 9.10M | 14.12M | 9.79M |
| Cash equivalents | — | — | — | — | — |
| Cash and cash equivalents | 178.48M | 66.77M | 502.16M | 503.50M | 190.33M |
| Other short term investments | 182.72M | 210.34M | 85.69M | 23.83M | 60.19M |
| Accounts receivable | 7.54M | 7.34M | 4.65M | 3.94M | 4.56M |
| Other receivables | — | — | — | — | — |
| Inventory | — | — | — | — | — |
| Prepaid assets | — | — | — | — | — |
| Restricted cash | — | — | — | — | — |
| Assets held for sale | — | — | — | — | — |
| Hedging assets | — | — | — | — | — |
| Other current assets | — | — | — | — | — |
| Non current assets | |||||
| Properties | — | — | — | — | — |
| Land and improvements | 11.73M | 12.52M | 12.26M | 11.99M | 11.92M |
| Machinery furniture equipment | 16.00M | 16.06M | 15.37M | 14.91M | 13.78M |
| Construction in progress | — | — | — | — | — |
| Leases | — | — | — | — | — |
| Accumulated depreciation | -34.83M | -36.12M | -34.22M | -33.37M | -31.94M |
| Goodwill | — | — | — | 7,000 | 41,000 |
| Investment properties | — | — | — | — | — |
| Financial assets | — | — | — | — | — |
| Intangible assets | — | — | — | 7,000 | 41,000 |
| Investments and advances | 182.72M | 210.34M | 85.69M | 23.83M | 60.19M |
| Other non current assets | — | — | — | — | — |
| Total liabilities | — | — | — | — | — |
| Current liabilities | |||||
| Accounts payable | — | 20.22M | 22.20M | 17.70M | 18.60M |
| Accrued expenses | — | — | — | — | — |
| Short term debt | — | — | 5.00M | 4.00M | — |
| Deferred revenue | — | — | — | — | — |
| Tax payable | — | — | — | — | — |
| Pensions | — | — | — | — | — |
| Other current liabilities | — | — | — | — | — |
| Non current liabilities | |||||
| Long term debt | 44.68M | 19.63M | 19.59M | 4.00M | 61,000 |
| Provision for risks and charges | — | — | — | — | — |
| Deferred liabilities | — | — | — | — | — |
| Derivative product liabilities | — | — | — | — | — |
| Other non current liabilities | — | — | — | — | — |
| Shareholders equity | |||||
| Common stock | 125,000 | 127,000 | 132,000 | 148,000 | 153,000 |
| Retained earnings | 74.43M | 71.81M | 66.55M | 64.75M | 61.57M |
| Other shareholders equity | -2.63M | -6.11M | 80,000 | 213,000 | 226,000 |
| Total shareholders equity | 155.38M | 151.67M | 157.47M | 172.93M | 174.37M |
| Additional paid in capital | 83.46M | 85.85M | 90.71M | 107.82M | 112.42M |
| Treasury stock | — | — | — | — | — |
| Minority interest | — | — | — | — | — |
Cash flow statement
| 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | ||||||||||||||||||||
| Net Income | 9.39M | 10.49M | 7.41M | 9.16M | 11.67M | 19.34M | 9.00M | 7.50M | 8.68M | 40.61M | 3.30M | -27.11M | -48.70M | -4.31M | -738,000 | -19.39M | 7.16M | 10.05M | 11.07M | 1.46M |
| Depreciation | 1.54M | 1.26M | 2.07M | 1.79M | 1.76M | 1.81M | 4.39M | 4.41M | 4.37M | 4.53M | 5.23M | 5.50M | 6.52M | 6.51M | 6.01M | 5.71M | 5.81M | 5.77M | 6.84M | 9.00M |
| Deferred Taxes | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | -438,000 | 2.46M | 633,000 | -395,000 |
| Stock-Based Compensation | — | — | — | — | — | 6,000 | — | 2.43M | 1.89M | 1.23M | 982,000 | 768,000 | 593,000 | 3.11M | 2.56M | 4.13M | — | — | — | — |
| Other Non-Cash Items | 988,000 | -1.21M | 369,000 | 449,000 | -52,000 | 280,000 | 851,000 | 219,000 | 169,000 | 402,000 | 1.37M | 8.32M | 5.59M | 916,000 | — | — | 6.66M | 5.75M | 790,000 | 7.04M |
| Accounts Receivable | -204,000 | -2.69M | -703,000 | 622,000 | 389,000 | -333,000 | -238,000 | -155,000 | -300,000 | 7,000 | 213,000 | 1.43M | 172,000 | 721,000 | 621,000 | 358,000 | — | — | — | — |
| Accounts Payable | -5.52M | -1.98M | -1.30M | -1.01M | -2.20M | -1.35M | 1.70M | 2.44M | -1.85M | 1.39M | 2.09M | -1.19M | -894,000 | -210,000 | — | — | — | — | — | — |
| Other Assets & Liabilities | 1.85M | 1.82M | 1.13M | 1.30M | 3.73M | 1.52M | -3.67M | -1.63M | 465,000 | 2.64M | -556,000 | 962,000 | -696,000 | 6.59M | -8.41M | -18.50M | — | — | — | — |
| Operating Cash Flow | 8.05M | 7.70M | 8.98M | 12.32M | 15.29M | 21.28M | 12.04M | 15.23M | 13.42M | 50.82M | 12.63M | -11.32M | -37.41M | 13.33M | 40,000 | -27.69M | 19.19M | 24.03M | 19.33M | 17.10M |
| Investing Activities | ||||||||||||||||||||
| Capital Expenditures | -1.18M | -1.94M | -2.34M | -2.01M | -798,000 | -1.61M | -1.13M | -696,000 | -542,000 | -1.18M | -10,000 | -2.34M | -2.37M | -1.07M | -3.10M | -741,000 | -2.12M | -1.15M | -2.30M | -2.31M |
| Net Intangibles | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Net Acquisitions | — | — | — | — | — | — | — | — | — | — | — | — | 61.62M | — | — | — | — | -13.37M | — | — |
| Purchase of Investments | -49.15M | -136.07M | -79.12M | -44.11M | -83.08M | -113.61M | -65.13M | -65.62M | -60.74M | -73.14M | -74.22M | -35.36M | -37.56M | -50.49M | — | -103.02M | -1.46B | -95.09M | -10.66B | -1.51M |
| Sale of Investments | 77.13M | 3.91M | 22.01M | 80.45M | 114.72M | 122.23M | 78.85M | 72.88M | 66.79M | 62.95M | 40.31M | 50.26M | 74.47M | 31.84M | 25.56M | 26.55M | 1.50B | 321.67M | 10.70B | 55.29M |
| Investing Cash Flow | 27.16M | -132.85M | -55.94M | 34.41M | 32.68M | 19.15M | 19.88M | 5.36M | 10.24M | -6.65M | -22.74M | 33.65M | 105.39M | -15.63M | 22.79M | -77.21M | 82.96M | 132.46M | -121.00M | -49.36M |
| Financing Activities | ||||||||||||||||||||
| Long-Term Debt Issuance | 35.00M | — | 21.00M | — | — | — | — | — | — | — | — | — | — | — | — | 103.92M | — | — | — | — |
| Long-Term Debt Payments | -10.00M | -5.00M | — | — | — | — | — | — | — | — | — | — | — | -27.76M | -149.62M | — | -41.72M | -53.24M | -73.74M | -5.98M |
| Other Financing Charges | 329,000 | 681,000 | -1.12M | -1.55M | -309,000 | -1.11M | -615,000 | -487,000 | 39,000 | 1.06M | -273,000 | -271,000 | 3.62M | -727,000 | — | — | -973,000 | 244,000 | 895,000 | -449,000 |
| Financing Cash Flow | 17.88M | -19.42M | -1.86M | -8.21M | -45.70M | -70.57M | -6.89M | -31.08M | 37.32M | 9.24M | -3.63M | -4.66M | -15.45M | -64.59M | -158.17M | 90.66M | -49.17M | -57.44M | -72.85M | -6.43M |
| Other Cash Details | ||||||||||||||||||||
| End Cash Position | 178.48M | 66.77M | 502.16M | 503.50M | 190.33M | 98.20M | 127.59M | 96.68M | 59.38M | 59.58M | 160.96M | 275.76M | 120.70M | 220.81M | 108.20M | 29.33M | 28.95M | 67.34M | 38.03M | 29.30M |
| Income Tax Paid | 3.29M | 3.52M | 3.42M | 191,000 | 349,000 | 342,000 | 427,000 | 289,000 | 363,000 | -114,000 | — | — | 3,000 | 1.30M | 1.50M | 3.58M | — | — | — | — |
| Interest Paid | 14.08M | 4.47M | 2.71M | 7.04M | 13.45M | 9.07M | 6.04M | 3.91M | 2.84M | -3.07M | -3.70M | 4.50M | 6.85M | 13.58M | 20.77M | 25.90M | — | — | — | — |
| Free Cash Flow | 7.35M | 7.35M | 5.43M | 11.51M | 20.58M | 19.08M | 21.60M | 18.25M | 14.34M | 16.67M | 9.77M | 14.68M | 17.61M | 23.81M | 11.17M | 8.40M | 15.62M | 12.24M | 27.42M | 12.06M |
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