BFIN
BankFinancial Corporation
NASDAQ: BFIN · FINANCIAL SERVICES · BANKS - REGIONAL
$12.00
+0.00% today
Updated 2026-01-02
Market cap
$149.53M
P/E ratio
63.16
P/S ratio
3.22x
EPS (TTM)
$0.19
Dividend yield
—
52W range
$11 – $13
Volume
0.0M
BankFinancial Corporation (BFIN) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $88.88M | $104.59M | $101.60M | $87.08M | $81.81M | $72.56M | $78.14M | $68.93M | $57.74M | $56.20M | $55.79M | $57.59M | $62.59M | $76.07M | $71.58M | $58.24M | $52.26M | $61.27M | $71.17M | $74.38M |
| Revenue growth (YoY) | — | +17.7% | -2.9% | -14.3% | -6.0% | -11.3% | +7.7% | -11.8% | -16.2% | -2.7% | -0.7% | +3.2% | +8.7% | +21.5% | -5.9% | -18.6% | -10.3% | +17.3% | +16.1% | +4.5% |
| Cost of revenue | $29.32M | $37.35M | $39.00M | $30.76M | $29.37M | $25.27M | $29.64M | $35.97M | $2.97M | $2.31M | $-392000.00 | $3.73M | $6.00M | $9.36M | $17.04M | $7.04M | $1.55M | $6.31M | $14.64M | $25.16M |
| Gross profit | $59.56M | $67.24M | $62.60M | $56.32M | $52.45M | $47.29M | $48.50M | $32.96M | $54.77M | $53.89M | $56.19M | $53.85M | $56.59M | $66.71M | $54.54M | $51.20M | $50.70M | $54.96M | $56.53M | $49.22M |
| Gross margin | 67.0% | 64.3% | 61.6% | 64.7% | 64.1% | 65.2% | 62.1% | 47.8% | 94.9% | 95.9% | 100.7% | 93.5% | 90.4% | 87.7% | 76.2% | 87.9% | 97.0% | 89.7% | 79.4% | 66.2% |
| R&D | — | — | — | — | — | — | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | — | — | — | — | — | — |
| SG&A | $28.23M | $34.45M | $32.28M | $36.27M | $36.73M | $28.46M | $27.55M | $27.57M | $28.11M | $24.29M | $23.13M | $23.51M | $22.35M | $23.42M | $21.39M | $21.67M | $23.12M | $22.04M | $23.10M | $23.77M |
| Operating income | $15.35M | $14.87M | $10.12M | $-31.44M | $-751000.00 | $-7.05M | $-36.32M | $-27.11M | $3.30M | $9.30M | $14.10M | $12.20M | $16.19M | $26.05M | $15.90M | $12.76M | $9.76M | $13.84M | $12.75M | $5.02M |
| Operating margin | 17.3% | 14.2% | 10.0% | -36.1% | -0.9% | -9.7% | -46.5% | -39.3% | 5.7% | 16.5% | 25.3% | 21.2% | 25.9% | 34.2% | 22.2% | 21.9% | 18.7% | 22.6% | 17.9% | 6.8% |
| EBITDA | $22.19M | $20.65M | $15.93M | $-25.72M | $5.26M | $-542000.00 | $-29.81M | $-21.61M | $8.52M | $13.83M | $18.47M | $16.61M | $20.59M | $27.77M | $17.66M | $14.55M | $11.83M | $15.10M | $14.29M | $5.18M |
| EBITDA margin | 25.0% | 19.7% | 15.7% | -29.5% | 6.4% | -0.7% | -38.1% | -31.4% | 14.8% | 24.6% | 33.1% | 28.8% | 32.9% | 36.5% | 24.7% | 25.0% | 22.6% | 24.6% | 20.1% | 7.0% |
| EBIT | $15.35M | $14.87M | $10.12M | $-31.44M | $-751000.00 | $-7.05M | $-36.32M | $-27.11M | $3.30M | $9.30M | $14.10M | $12.20M | $16.19M | $25.95M | $15.90M | $12.76M | $9.76M | $13.84M | $12.75M | $5.02M |
| Interest expense | $28.80M | $37.49M | $38.30M | $25.67M | $20.56M | $13.19M | $6.92M | $4.45M | $3.65M | $3.05M | $2.81M | $3.97M | $6.09M | $9.22M | $13.22M | $6.99M | $2.79M | $4.48M | $14.33M | $20.13M |
| Income tax | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Effective tax rate | 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% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Net income | $11.07M | $10.05M | $7.16M | $-19.39M | $-738000.00 | $-4.31M | $-48.70M | $-27.11M | $3.30M | $40.61M | $8.68M | $7.50M | $9.00M | $19.34M | $11.67M | $9.16M | $7.41M | $10.49M | $9.39M | $4.07M |
| Net income growth (YoY) | — | -9.3% | -28.8% | -371.0% | +96.2% | -483.6% | -1030.6% | +44.3% | +112.2% | +1131.5% | -78.6% | -13.5% | +20.0% | +114.8% | -39.7% | -21.5% | -19.1% | +41.6% | -10.5% | -56.6% |
| Profit margin | 12.5% | 9.6% | 7.0% | -22.3% | -0.9% | -5.9% | -62.3% | -39.3% | 5.7% | 72.3% | 15.5% | 13.0% | 14.4% | 25.4% | 16.3% | 15.7% | 14.2% | 17.1% | 13.2% | 5.5% |