BankFinancial CORP

BFIN

BankFinancial CORP

BFIN

Insider Sentiment (TTM):

Last Purchase:2024-02-08Last Sale:-Shares Purchased (TTM):0Shares Sold (TTM):0

Institutional Sentiment:

As of:2025-12-31Institutional Shares Owned:6,238,625Shares Outstanding:12,460,678Institutional Ownership Pct.:50.07%

Earnings Market Reaction:

Filing Date:2025-10-30Price on Filing Date:N/APrevious Close:N/A% Change:N/A

Companies in Savings Institution, Federally Chartered

FCAP FNWD PROV AX EBC TFSL

BankFinancial CORP (BFIN) — SEC Financial Statements & Analysis

BankFinancial CORP (BFIN) files its annual 10-K and quarterly 10-Q reports directly with the SEC. The financial data below is sourced as-filed from EDGAR — balance sheet, income statement, and cash flow as reported, without normalization or third-party adjustments.

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31
Assets
Cash And Due From Banks	17	18	20	21	19	20	19	20	20	20	20	12
Interest Bearing Deposits In Banks	65	94	124	64	119	132	114	159	152	95	57	55
Cash And Cash Equivalents At Carrying Value	83	112	144	85	138	152	132	178	172	115	77	67
Short Term Investments	12	20	34	34	22	35	31	30	-	-	-	-
Marketable Securities	-	-	357	361	265	223	240	153	158	170	170	210
Loans And Leases Receivable Net Reported Amount	-	-	-	-	-	-	-	-	-	-	-	1,227
Notes Receivable Net	-	-	841	888	924	988	1,008	1,051	1,106	1,171	1,225	1,227
Debt Securities Available For Sale Excluding Accru…	538	437	-	-	-	-	-	-	-	-	-	-
Financing Receivable Excluding Accrued Interest Af…	760	796	-	-	-	-	-	-	-	-	-	-
Foreclosed Assets	0	1	1	1	2	2	2	3	1	1	1	0
Federal Home Loan Bank Stock	7	7	7	7	7	7	7	7	7	7	7	7
Assets Held For Sale Not Part Of Disposal Group	-	-	-	0	0	0	0	1	1	1	1	0
Property Plant And Equipment Net	22	22	22	23	23	23	23	23	23	23	23	25
Interest Receivable	5	5	5	6	7	9	8	8	8	8	8	7
Bank Owned Life Insurance	18	18	18	18	18	18	18	18	19	19	19	19
Deferred Income Tax Assets Net	4	4	4	4	4	4	4	5	5	5	5	5
Other Assets	6	6	7	7	8	17	7	11	6	6	6	7
Assets	1,455	1,429	1,442	1,435	1,418	1,478	1,480	1,487	1,505	1,527	1,544	1,575
Noninterest Bearing Deposit Liabilities	237	222	232	239	227	263	257	261	258	278	287	281
Interest Bearing Deposit Liabilities	1,005	993	1,001	979	973	990	1,003	1,001	1,018	1,026	1,028	1,094
Deposits	1,242	1,216	1,233	1,218	1,199	1,252	1,259	1,262	1,276	1,304	1,315	1,375
Federal Home Loan Bank Advances Maturities Summary…	10	15	15	20	20	25	25	25	25	25	35	0
Subordinated Debt	18	18	18	19	19	19	19	20	20	20	20	20
Advance Payments By Borrowers For Taxes And Insura…	14	11	7	9	8	10	7	9	15	11	7	9
Liabilities	1,297	1,273	1,285	1,278	1,259	1,320	1,324	1,332	1,352	1,374	1,392	1,424
Stockholders Equity
Preferred Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Additional Paid In Capital	83	83	83	83	83	83	83	83	84	85	85	86
Retained Earnings Accumulated Deficit	74	73	74	74	77	76	75	74	74	72	71	72
Accumulated Other Comprehensive Income Loss Net Of…	0	0	0	1	-1	-2	-2	3	-4	-5	-5	-6
Stockholders Equity	157	156	157	156	159	157	156	155	154	152	152	152
Loans And Leases Receivable Allowance	-	-	-	-	-	-	-	-	-	-	-	8
Liabilities And Stockholders Equity	1,455	1,429	1,442	1,435	1,418	1,478	1,480	1,487	1,505	1,527	1,544	1,575
Financing Receivable Allowance For Credit Losses	-	-	7	8	8	8	8	8	9	9	10	8
Financing Receivable Allowance For Credit Loss Exc…	9	9	-	-	8	8	-	-	-	-	-	-
Preferred Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Preferred Stock Shares Authorized	25	25	25	25	25	25	25	25	25	25	25	25
Preferred Stock Shares Issued	0	0	0	0	0	0	0	0	0	0	0	0
Preferred Stock Shares Outstanding	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Common Stock Shares Authorized	100	100	100	100	100	100	100	100	100	100	100	100
Common Stock Shares Issued	12	12	12	12	12	12	12	12	13	13	13	13

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10‑Q10‑K

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Interactive Financial Visualizations

10‑Q10‑K

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2025	-1.73%	-5.11%	-3.38%	14.04%	12.93%	5.65%	4.98%	15.37%	-	-	-	-
2024	0.10%	1.88%	16.24%	4.50%	6.65%	5.79%	10.90%	3.60%	6.50%	-5.40%	-5.96%	-9.20%
2023	-4.50%	0.72%	11.43%	-0.30%	-1.21%	-2.68%	6.13%	26.88%	27.71%	6.26%	1.01%	6.93%
2022	-	-	-	-	-	-	-	-	-	-12.24%	-17.00%	-23.85%
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Performance and Valuation Metrics

Metrics	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31
Leverage & Debt
Interest Coverage TTM	-	-	-	2.04	2.13	1.84	1.70	1.89	2.22	2.73	3.41	4.09
Efficiency & Turnover
Days Sales Outstanding TTM	-	-	-	-	-	-	-	-	-	-	-	126,703.87
Receivables Turnover TTM	-	-	-	-	-	-	-	-	-	-	-	0.00
Per Share Metrics
Free Cash Flow Per Share TTM	0.28	0.72	0.56	0.61	0.59	0.74	0.92	0.73	1.11	1.09	1.18	0.71
Dividend Per Share TTM	0.40	0.40	0.40	0.40	0.40	0.40	0.40	0.40	0.40	0.41	0.41	0.40
Margin Metrics
Gross Profit Margin TTM	-429.56%	-446.24%	-473.86%	-486.43%	-556.25%	-533.12%	-478.19%	-411.93%	-259.09%	-171.27%	-96.55%	-36.99%
Operating Profit Margin TTM	49.99%	44.13%	151.77%	146.26%	308.90%	337.19%	346.99%	384.33%	437.23%	468.07%	473.50%	422.96%
Net Profit Margin TTM	62.10%	53.51%	126.68%	118.64%	233.24%	250.14%	255.81%	283.09%	324.15%	350.57%	358.71%	320.82%
Growth Metrics
Net Revenue Growth (1Y)	9.93%	9.98%	5.95%	3.47%	2.32%	0.15%	0.15%	1.44%	1.50%	1.75%	2.45%	2.73%
Net Income Growth (1Y)	-70.73%	-76.47%	-47.53%	-56.64%	-26.38%	-28.54%	-28.58%	-10.49%	14.06%	47.82%	64.50%	41.62%
EPS Growth (1Y)	-70.73%	-76.47%	-47.50%	-56.08%	-25.68%	-27.36%	-27.12%	-7.31%	18.42%	53.63%	70.74%	52.01%
Calculated Values
Free Cash Flow TTM	3.44M	9.03M	6.94M	7.56M	7.30M	9.20M	11.51M	9.22M	14.02M	13.80M	15.02M	9.29M
Net Debt	-82.74M	-112.24M	-144.40M	-84.83M	-138.28M	-151.78M	-132.44M	-178.48M	-171.56M	-115.33M	-77.01M	-66.77M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2024-02-08Purchase

Owner: O'Connor, Aaron J

Title: -

Shares: 1,000

Price/Share: $10.38

Value: $10,380.00

Shares Owned: 1,000

Relationship: Director

Ownership: Direct

2023-05-10Purchase

Owner: O'Connor, Aaron J

Title: -

Shares: 500

Price/Share: $7.42

Value: $3,710.00

Shares Owned: 3,043

Relationship: Other

Ownership: Indirect

2023-02-22Purchase

Owner: O'Connor, Aaron J

Title: -

Shares: 1,000

Price/Share: $10.33

Value: $10,330.00

Shares Owned: 2,528

Relationship: Other

Ownership: Indirect

2021-06-24Purchase

Owner: Zukonik, Debra

Title: -

Shares: 3,650

Price/Share: $10.85

Value: $39,602.50

Shares Owned: 3,650

Relationship: Director

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2024-02-08	O'Connor, Aaron J	Director	-	Direct	Purchase	1,000	10.38	$10,380.00	1,000	4
2023-05-10	O'Connor, Aaron J	Other	-	Indirect	Purchase	500	7.42	$3,710.00	3,043	4
2023-02-22	O'Connor, Aaron J	Other	-	Indirect	Purchase	1,000	10.33	$10,330.00	2,528	4
2021-06-24	Zukonik, Debra	Director	-	Direct	Purchase	3,650	10.85	$39,602.50	3,650	4
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Institutional Ownership

No data available for chart

2025-12-31

50.07%

Inst. Shares: 6,238,625

Shares Outstanding: 12,460,678

2025-09-30

50.80%

Inst. Shares: 6,330,321

Shares Outstanding: 12,460,678

2025-06-30

48.82%

Inst. Shares: 6,082,890

Shares Outstanding: 12,460,678

2025-03-31

46.05%

Inst. Shares: 5,737,792

Shares Outstanding: 12,460,678

2024-12-31

43.36%

Inst. Shares: 5,404,307

Shares Outstanding: 12,462,512

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2025-12-31	6,238,625	12,460,678	50.07%
2025-09-30	6,330,321	12,460,678	50.80%
2025-06-30	6,082,890	12,460,678	48.82%
2025-03-31	5,737,792	12,460,678	46.05%
2024-12-31	5,404,307	12,462,512	43.36%
2024-09-30	5,137,167	12,460,678	41.23%
2024-06-30	5,107,181	12,460,678	40.99%
2024-03-31	4,537,087	12,468,052	36.39%
2023-12-31	4,523,478	12,622,882	35.84%
2023-09-30	4,397,260	12,578,494	34.96%
2023-06-30	4,240,253	12,667,129	33.47%
2023-03-31	4,279,297	12,721,841	33.64%
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BankFinancial CORP (BFIN) — SEC Financial Statements & Analysis

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