BankFinancial Story

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BFIN -- USA Stock  

USD 7.27  0.34  4.91%

As many of us are excited about financial services space, it is fair to outline BankFinancial. We will analyze why it could be a much better year for BankFinancial shareholders. Is current BankFinancial value sustainable? We will go over the entity valuation drivers to give you a better outlook on taking a position in it.
Published over two months ago
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Should you be concerned about BankFinancial latest valuation?
The company currently holds 5.74 M in liabilities with Debt to Equity (D/E) ratio of 6.12, indicating BankFinancial may have difficulties to generate enough cash to satisfy its financial obligations. BankFinancial currently holds 5.74 M in liabilities with Debt to Equity (D/E) ratio of 6.12, indicating the firm may have difficulties to generate enough cash to satisfy its financial obligations. We provide trade advice to complement the prevailing expert consensus on BankFinancial. Our dynamic recommendation engine uses a multidimensional algorithm to analyze the company's potential to grow using all technical and fundamental data available at the time.
We determine the current worth of BankFinancial using both absolute as well as relative valuation methodologies to arrive at its intrinsic value. In general, an absolute valuation paradigm, as applied to this company, attempts to find the value of BankFinancial based exclusively on its fundamental and basic technical indicators. By analyzing BankFinancial's financials, quarterly and monthly indicators, and related drivers such as dividends, operating cash flow, and various types of growth rates, we attempt to find the most accurate representation of BankFinancial's intrinsic value. In some cases, mostly for established, large-cap companies, we also incorporate more traditional valuation methods such as dividend discount, discounted cash flow, or asset-based models. As compared to an absolute model, our relative valuation model uses a comparative analysis of BankFinancial. We calculate exposure to BankFinancial's market risk, different technical and fundamental indicators, relevant financial multiples and ratios, and then comparing them to BankFinancial's related companies.

BankFinancial Investment Alerts

BankFinancial investment alerts and warnings help investors to get more proficient at understanding not only critical technical and fundamental signals but also the significant portfolio-centered indicators. These indicators include beta, alpha, and other risk-related measures that will help you in monitoring BankFinancial performance across your portfolios.Please check all investment alerts for BankFinancial

BankFinancial Valuation Ratios as Compared to Competition

Our valuation model uses many indicators to compare BankFinancial value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across BankFinancial competition to find correlations between indicators driving the intrinsic value of BankFinancial.

How BankFinancial utilizes its cash?

To perform a cash flow analysis of BankFinancial, investors first need to understand how to read the cash flow statement. A cash flow statement shows the amount of cash BankFinancial is receiving and how much cash it distributes out in a given period. The BankFinancial cash flow statement breaks down these inflows and outflows into different buckets, including operating activities, investing activities, and financing activities. BankFinancial Net Cash Flow from Operations is quite stable at the moment as compared to the past year. The company's current value of Net Cash Flow from Operations is estimated at 21.9 Million

BankFinancial exotic insider transaction detected

Legal trades by BankFinancial insiders are very common, as founders, directors, or employees of any publicly traded firm often have stock or stock options. These trades are made public in the United States through the filing of Form 4 of the Securities and Exchange Commission. Below entry was recorded recently and is publicly available as an insider trade:
BankFinancial insider trading alert for general transaction of common stock by John Manos, President - Affiliate, on 29th of June 2020. This event was filed by Bankfinancial Corp with SEC on 2020-06-29. Statement of changes in beneficial ownership - SEC Form 4. John Manos currently serves as president of commercial real estate division-bankfinancial fsb of BankFinancial [view details]   
Note, although insider trading is legal, in the United States, Canada, Australia, and Germany, for mandatory reporting purposes, corporate insiders are defined as a company's officers, directors, and any beneficial owners of more than 10% of a class of the company's equity securities.

What is driving BankFinancial Investor Appetite?

The entity reported the previous year's revenue of 52.53 M. Net Income was 10.54 M with profit before overhead, payroll, taxes, and interest of 54.58 M.
 2017 2018 2019 2020 (projected)
Cash and Equivalents127.59 M98.2 M190.32 M158.28 M
Total Assets1.63 B1.59 B1.49 B1.67 B

Margins Breakdown

BankFinancial profit margins show the degree to which it makes money. Margin indicators are used not only by investors but also by creditors or BankFinancial itself as indicators of financial health and management effectiveness. Please look more closely at the different varieties of BankFinancial profit margins.
0.23
Profit Margin
0.35
EBITDA Margin
EBITDA Margin0.35
Gross Margin0.89
Profit Margin0.23


BankFinancial Earnings Before Interest Taxes and Depreciation Amortization USD is increasing over the last 8 years. The latest value of BankFinancial Earnings Before Interest Taxes and Depreciation Amortization USD is 18,958,184. BankFinancial Net Income Per Employee is quite stable at the moment. Furthermore, BankFinancial Average Assets is decreasing over the last 8 years. BankFinancial Earnings Before Interest Taxes and Depreciation Amortization USD is increasing over the last 8 years. The previous year's value of BankFinancial Earnings Before Interest Taxes and Depreciation Amortization USD was 18,958,184. BankFinancial Net Income Per Employee is quite stable at the moment. Furthermore, BankFinancial Average Assets is decreasing over the last 8 years.

Momentum Analysis of BankFinancial suggests possible reversal in August

Latest Information Ratio is up to -0.02. Price may slide again. As of the 25th of July, BankFinancial shows the Mean Deviation of 3.92, downside deviation of 4.8, and Risk Adjusted Performance of 0.038. BankFinancial technical analysis gives you the methodology to make use of historical prices and volume patterns to determine a pattern that approximates the direction of the firm's future prices. Put another way, you can use this information to find out if the firm will indeed mirror its model of historical prices and volume momentum, or the prices will eventually revert. We were able to analyze and collect data for nineteen technical drivers for BankFinancial, which can be compared to its rivals. Please confirm BankFinancial jensen alpha, as well as the relationship between the potential upside and skewness to decide if BankFinancial is priced correctly, providing market reflects its regular price of 7.53 per share. Given that BankFinancial has jensen alpha of 0.144, we suggest you to validate BankFinancial's prevailing market performance to make sure the company can sustain itself at a future point.

Our Bottom Line On BankFinancial

Whereas other companies within the banks?regional industry are still a little expensive, even after the recent corrections, BankFinancial may offer a potential longer-term growth to institutional investors. The inconsistency in the assessment between current BankFinancial valuation and our trade advice on BankFinancial is due to the recent market swings and your selection of investing horizon. Please use our equity advice module to run different scenarios to ensure your current risk level and investment horizon are fully reflective of your current investing preferences in regards to BankFinancial.

About Contributor

This story should be regarded as informational only and should not be considered a solicitation to sell or buy any financial products. Macroaxis does not express any opinion as to the present or future value of any investments referred to in this post. This post may not be reproduced without the consent of Macroaxis LLC. Macroaxis LLC and Raphi Shpitalnik do not own shares of BankFinancial. Please refer to our Terms of Use for any information regarding our disclosure principles.

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