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BankFinancial Corporation
Buy, Hold or Sell?

Let's analyse Bankfinancial together

PenkeI guess you are interested in BankFinancial Corporation. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of BankFinancial Corporation. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

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Quick analysis of Bankfinancial (30 sec.)










What can you expect buying and holding a share of Bankfinancial? (30 sec.)

How much money do you get?

How much money do you get?
$0.40
When do you have the money?
1 year
How often do you get paid?
100.0%

What is your share worth?

Current worth
$12.40
Expected worth in 1 year
$13.02
How sure are you?
82.5%

+ What do you gain per year?

Total Gains per Share
$1.01
Return On Investment
9.6%

For what price can you sell your share?

Current Price per Share
$10.50
Expected price per share
$9.65 - $11.01
How sure are you?
50%

1. Valuation of Bankfinancial (5 min.)




Live pricePrice per Share (EOD)

$10.50

Intrinsic Value Per Share

$6.67 - $12.85

Total Value Per Share

$19.07 - $25.25

2. Growth of Bankfinancial (5 min.)




Is Bankfinancial growing?

Current yearPrevious yearGrowGrow %
How rich?$155.3m$152.6m$758.5k0.5%

How much money is Bankfinancial making?

Current yearPrevious yearGrowGrow %
Making money$2.3m$2.6m-$275.2k-11.7%
Net Profit Margin14.5%18.1%--

How much money comes from the company's main activities?

3. Financial Health of Bankfinancial (5 min.)




4. Comparing to competitors in the Banks - Regional industry (5 min.)




  Industry Rankings (Banks - Regional)  

What can you expect buying and holding a share of Bankfinancial? (5 min.)

Welcome investor! Bankfinancial's management wants to use your money to grow the business. In return you get a share of Bankfinancial.

What can you expect buying and holding a share of Bankfinancial?

First you should know what it really means to hold a share of Bankfinancial. And how you can make/lose money.

Speculation

The Price per Share of Bankfinancial is $10.50. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Bankfinancial.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Bankfinancial, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is $12.40. Based on the TTM, the Book Value Change Per Share is $0.15 per quarter. Based on the YOY, the Book Value Change Per Share is $-0.02 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is $0.10 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Bankfinancial.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 $% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share
Usd Eps0.171.6%0.191.8%0.201.9%0.171.6%0.201.9%
Usd Book Value Change Per Share0.181.7%0.151.5%-0.02-0.2%0.060.6%0.090.9%
Usd Dividend Per Share0.101.0%0.101.0%0.101.0%0.101.0%0.080.8%
Usd Total Gains Per Share0.282.7%0.252.4%0.080.8%0.161.6%0.171.6%
Usd Price Per Share10.26-8.95-9.94-10.33-11.93-
Price to Earnings Ratio15.45-12.17-14.61-17.90-23.72-
Price-to-Total Gains Ratio36.55-37.89--57.37--19.56-5.60-
Price to Book Ratio0.83-0.74-0.85-0.89-1.08-
Price-to-Total Gains Ratio36.55-37.89--57.37--19.56-5.60-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share10.5
Number of shares95
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.100.10
Usd Book Value Change Per Share0.150.06
Usd Total Gains Per Share0.250.16
Gains per Quarter (95 shares)24.0415.58
Gains per Year (95 shares)96.1562.33
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
1385886382452
2761161827649114
311417427811473176
415223237415297238
5190290470190121300
6228349566228146362
7266407662266170424
8304465758304194486
9342523854342219548
10380581950381243610

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share4.00.00.0100.0%12.00.00.0100.0%20.00.00.0100.0%40.00.00.0100.0%68.012.00.085.0%
Book Value Change Per Share4.00.00.0100.0%7.05.00.058.3%14.06.00.070.0%29.011.00.072.5%49.030.01.061.3%
Dividend per Share4.00.00.0100.0%12.00.00.0100.0%20.00.00.0100.0%40.00.00.0100.0%70.00.010.087.5%
Total Gains per Share4.00.00.0100.0%9.03.00.075.0%16.04.00.080.0%33.07.00.082.5%56.023.01.070.0%

Fundamentals of Bankfinancial

About BankFinancial Corporation

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 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.

Fundamental data was last updated by Penke on 2024-03-20 11:23:03.

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is inefficient in making profit.
Using its investors money, the company is inefficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating efficient.
The company is very efficient in keeping operating costs low.
Liquidity Details
 Compared to previous yearCompared to industry
The company is very able to pay all its short-term debts.
The company is very able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

Valuation

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is cheap.
Based on the earnings, the company is underpriced.
Based on how much money comes from the company's main activities, the company is cheap.

1.1. Profitability of BankFinancial Corporation.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit Bankfinancial earns for each $1 of revenue.

  • Above 10% is considered healthy but always compare Bankfinancial to the Banks - Regional industry mean.
  • A Net Profit Margin of 11.2% means that $0.11 for each $1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of BankFinancial Corporation:

  • The MRQ is 11.2%. The company is making a huge profit. +2
  • The TTM is 14.5%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ11.2%TTM14.5%-3.3%
TTM14.5%YOY18.1%-3.6%
TTM14.5%5Y17.0%-2.6%
5Y17.0%10Y23.6%-6.6%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ11.2%18.4%-7.2%
TTM14.5%28.0%-13.5%
YOY18.1%25.2%-7.1%
5Y17.0%22.8%-5.8%
10Y23.6%19.8%+3.8%
1.1.2. Return on Assets

Shows how efficient Bankfinancial is using its assets to generate profit.

  • Above 5% is considered healthy but always compare Bankfinancial to the Banks - Regional industry mean.
  • 0.1% Return on Assets means that Bankfinancial generated $0.00 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of BankFinancial Corporation:

  • The MRQ is 0.1%. Using its assets, the company is inefficient in making profit. -1
  • The TTM is 0.2%. Using its assets, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ0.1%TTM0.2%0.0%
TTM0.2%YOY0.2%0.0%
TTM0.2%5Y0.2%+0.0%
5Y0.2%10Y0.2%-0.1%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.1%0.1%+0.0%
TTM0.2%0.2%0.0%
YOY0.2%0.2%0.0%
5Y0.2%0.2%0.0%
10Y0.2%0.2%+0.0%
1.1.3. Return on Equity

Shows how efficient Bankfinancial is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare Bankfinancial to the Banks - Regional industry mean.
  • 1.3% Return on Equity means Bankfinancial generated $0.01 for each $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of BankFinancial Corporation:

  • The MRQ is 1.3%. Using its investors money, the company is inefficient in making profit. -1
  • The TTM is 1.5%. Using its investors money, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ1.3%TTM1.5%-0.2%
TTM1.5%YOY1.7%-0.2%
TTM1.5%5Y1.5%+0.1%
5Y1.5%10Y1.8%-0.3%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ1.3%1.4%-0.1%
TTM1.5%2.5%-1.0%
YOY1.7%2.7%-1.0%
5Y1.5%2.5%-1.0%
10Y1.8%2.8%-1.0%

1.2. Operating Efficiency of BankFinancial Corporation.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient Bankfinancial is operating .

  • Measures how much profit Bankfinancial makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare Bankfinancial to the Banks - Regional industry mean.
  • An Operating Margin of 15.4% means the company generated $0.15  for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of BankFinancial Corporation:

  • The MRQ is 15.4%. The company is operating efficient. +1
  • The TTM is 22.0%. The company is operating efficient. +1
Trends
Current periodCompared to+/- 
MRQ15.4%TTM22.0%-6.6%
TTM22.0%YOY31.5%-9.5%
TTM22.0%5Y34.3%-12.4%
5Y34.3%10Y36.1%-1.8%
1.2.2. Operating Ratio

Measures how efficient Bankfinancial is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • An Operation Ratio of 0.18 means that the operating costs are $0.18 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of BankFinancial Corporation:

  • The MRQ is 0.176. The company is very efficient in keeping operating costs low. +2
  • The TTM is 0.025. The company is very efficient in keeping operating costs low. +2
Trends
Current periodCompared to+/- 
MRQ0.176TTM0.025+0.151
TTM0.025YOY-0.177+0.202
TTM0.0255Y-0.077+0.102
5Y-0.07710Y-0.070-0.007

1.3. Liquidity of BankFinancial Corporation.

1.3. Liquidity
1.3.1. Current Ratio

Measures if Bankfinancial is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Banks - Regional industry mean).
  • A Current Ratio of 0.21 means the company has $0.21 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of BankFinancial Corporation:

  • The MRQ is 0.211. The company is unable to pay all its short-term debts. -2
  • The TTM is 39.178. The company is very able to pay all its short-term debts. +2
Trends
Current periodCompared to+/- 
MRQ0.211TTM39.178-38.966
TTM39.178YOY56.498-17.320
TTM39.1785Y57.118-17.940
5Y57.11810Y83.198-26.080
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
TTM39.1780.124+39.054
YOY56.4980.225+56.273
5Y57.1180.219+56.899
10Y83.1980.131+83.067
1.3.2. Quick Ratio

Measures if Bankfinancial is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare Bankfinancial to the Banks - Regional industry mean.
  • A Quick Ratio of 0.23 means the company can pay off $0.23 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of BankFinancial Corporation:

  • The MRQ is 0.235. The company is just not able to pay all its short-term debts with the most liquid assets. -1
  • The TTM is 31.705. The company is very able to pay all its short-term debts with the most liquid assets. +2
Trends
Current periodCompared to+/- 
MRQ0.235TTM31.705-31.470
TTM31.705YOY32.851-1.146
TTM31.7055Y26.484+5.220
5Y26.48410Y23.668+2.817

1.4. Solvency of BankFinancial Corporation.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of Bankfinancial assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare Bankfinancial to Banks - Regional industry mean.
  • A Debt to Asset Ratio of 0.90 means that Bankfinancial assets are financed with 89.6% credit (debt) and the remaining percentage (100% - 89.6%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of BankFinancial Corporation:

  • The MRQ is 0.896. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.899. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.896TTM0.899-0.003
TTM0.899YOY0.906-0.007
TTM0.8995Y0.896+0.003
5Y0.89610Y0.882+0.014
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.8960.915-0.019
TTM0.8990.917-0.018
YOY0.9060.919-0.013
5Y0.8960.919-0.023
10Y0.8820.927-0.045
1.4.2. Debt to Equity Ratio

Measures if Bankfinancial is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare Bankfinancial to the Banks - Regional industry mean.
  • A Debt to Equity ratio of 860.3% means that company has $8.60 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of BankFinancial Corporation:

  • The MRQ is 8.603. The company is unable to pay all its debts with equity. -1
  • The TTM is 8.888. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ8.603TTM8.888-0.285
TTM8.888YOY9.657-0.769
TTM8.8885Y8.694+0.194
5Y8.69410Y7.673+1.020
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ8.60310.829-2.226
TTM8.88811.013-2.125
YOY9.65711.363-1.706
5Y8.69411.437-2.743
10Y7.67313.038-5.365

2. Market Valuation of BankFinancial Corporation

2.1. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every $1 in earnings Bankfinancial generates.

  • Above 15 is considered overpriced but always compare Bankfinancial to the Banks - Regional industry mean.
  • A PE ratio of 15.45 means the investor is paying $15.45 for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of BankFinancial Corporation:

  • The EOD is 15.817. Based on the earnings, the company is fair priced.
  • The MRQ is 15.455. Based on the earnings, the company is fair priced.
  • The TTM is 12.168. Based on the earnings, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD15.817MRQ15.455+0.362
MRQ15.455TTM12.168+3.287
TTM12.168YOY14.612-2.444
TTM12.1685Y17.901-5.733
5Y17.90110Y23.722-5.822
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD15.8177.491+8.326
MRQ15.4556.680+8.775
TTM12.1685.295+6.873
YOY14.6126.943+7.669
5Y17.9019.770+8.131
10Y23.7229.943+13.779
2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of BankFinancial Corporation:

  • The EOD is 7.962. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The MRQ is 7.780. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The TTM is 3.899. Based on how much money comes from the company's main activities, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD7.962MRQ7.780+0.182
MRQ7.780TTM3.899+3.881
TTM3.899YOY4.242-0.343
TTM3.8995Y27.175-23.276
5Y27.17510Y21.749+5.426
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD7.962-2.094+10.056
MRQ7.780-1.868+9.648
TTM3.899-0.342+4.241
YOY4.2426.448-2.206
5Y27.1750.429+26.746
10Y21.7490.091+21.658
2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of Bankfinancial is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • A PB ratio of 0.83 means the investor is paying $0.83 for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of BankFinancial Corporation:

  • The EOD is 0.846. Based on the equity, the company is cheap. +2
  • The MRQ is 0.827. Based on the equity, the company is cheap. +2
  • The TTM is 0.736. Based on the equity, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD0.846MRQ0.827+0.019
MRQ0.827TTM0.736+0.091
TTM0.736YOY0.850-0.115
TTM0.7365Y0.891-0.156
5Y0.89110Y1.081-0.190
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD0.8460.433+0.413
MRQ0.8270.386+0.441
TTM0.7360.470+0.266
YOY0.8500.642+0.208
5Y0.8910.795+0.096
10Y1.0811.025+0.056
2. Total Gains per Share

3. Holders & Insider Transactions

Let's take a look at which institutions, funds and insiders are holding shares of BankFinancial Corporation.

3.1. Institutions holding BankFinancial Corporation

Institutions are holding 61.557% of the shares of BankFinancial Corporation.

DateNameTotal SharesTotal AssetsCurrent SharesChange%
2023-09-30M3F, Inc.9.89323.55541234265-27500-2.1795
2023-12-31Dimensional Fund Advisors, Inc.6.96410.0026868839-8196-0.9345
2023-09-30Renaissance Technologies Corp5.59950.0103698587-19051-2.6547
2023-09-30BlackRock Inc5.50610.0002686936-29147-4.0703
2023-09-30AllianceBernstein L.P.5.44560.00256793908261013.8426
2023-09-30STRATEGIC VALUE BANK PARTNERS LLC5.173.3791645000-645000-50
2023-09-30Vanguard Group Inc4.24790.000152996300
2023-09-30Acadian Asset Management LLC1.83080.00822284122216123259
2023-09-30Black Maple Capital Management LP1.43751.0485179340123743222.5714
2023-09-30Geode Capital Management, LLC0.92680.000111562811280.9852
2023-09-30Bridgeway Capital Management, LLC0.61240.0167640000
2023-09-30BHZ Capital Management, LP.0.58240.518726651137518.5593
2023-09-30Creative Planning Inc0.5210.00086500000
2023-09-30Round Hill Asset Management Inc0.50960.360363572-700-1.0891
2023-09-30Goldman Sachs Group Inc0.45370.000156597-5-0.0088
2023-09-30American Century Companies Inc0.44980.00045611900
2023-09-30State Street Corporation0.4326053970-202-0.3729
2023-09-30Northern Trust Corp0.39850.000149717-83-0.1667
2023-09-30Fourthstone LLC0.34730.08484332331423264.0588
2023-12-31Traynor Capital Management, Inc0.27110.03573382400
Total 51.59999.02326437547-257993-4.0%

3.2. Funds holding BankFinancial Corporation

DateNameTotal SharesTotal AssetsCurrent SharesChange%
2024-01-31Vanguard Total Stock Mkt Idx Inv2.71010.000333769192732.8235
2024-01-31Vanguard Institutional Extnd Mkt Idx Tr1.48550.002118510000
2024-01-31DFA US Small Cap Value I1.44620.012918021100
2024-01-31DFA US Targeted Value I1.16130.012214470400
2024-01-31DFA US Small Cap I0.60770.005675718-2583-3.2988
2024-02-29Dimensional US Targeted Value ETF0.56430.00747031800
2024-01-31Fidelity Extended Market Index0.50960.00196350000
2024-01-31DFA US Micro Cap I0.45910.00915720800
2024-02-29Avantis US Small Cap Value ETF0.44730.00565574200
2023-09-30BlackRock Extended Mkt Composite0.42050.00325239700
2024-01-31DFA US Core Equity 2 I0.40970.00175105200
2024-01-31DFA US Core Equity 1 I0.3760.00164684900
2023-12-31BlackRock Extended Equity Market K0.36690.003445712-92-0.2009
2023-12-31Bridgeway Omni Small-Cap Value0.35390.03524410000
2023-09-30Bridgeway Omni Small-Cap Value N0.35390.03334410000
2024-01-31BlackRock Advantage Small Cap Core Instl0.33340.012641543-322-0.7691
2024-02-29Dimensional US Small Cap ETF0.27040.00453368900
2023-09-30Bridgeway Ultra-Small Company Market0.24560.1573060000
2024-02-29Dimensional US Small Cap Value ETF0.21960.01042736200
2024-02-29iShares Micro-Cap ETF0.19880.02722477000
Total 12.93980.34721612366+6276+0.4%

3.3. Insider Transactions

Insiders are holding 5.409% of the shares of BankFinancial Corporation.

DateOwnerTypeAmountPricePost Transaction AmountLink
2024-02-08Aaron J O'connorBUY100010.38
2023-05-10Aaron J O'connorBUY5007.42

4. Summary

4.1. Key Performance Indicators

The key performance indicators of BankFinancial Corporation compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share--0.1810.153+18%-0.020+111%0.064+183%0.091+97%
Book Value Per Share--12.40412.157+2%11.681+6%11.638+7%11.131+11%
Current Ratio--0.21139.178-99%56.498-100%57.118-100%83.198-100%
Debt To Asset Ratio--0.8960.8990%0.906-1%0.8960%0.882+2%
Debt To Equity Ratio--8.6038.888-3%9.657-11%8.694-1%7.673+12%
Dividend Per Share--0.1000.100+0%0.100+0%0.100+0%0.080+26%
Eps--0.1660.186-11%0.201-18%0.172-4%0.197-16%
Free Cash Flow Per Share--0.3300.160+106%0.144+128%0.187+77%0.214+54%
Free Cash Flow To Equity Per Share---1.452-1.729+19%-2.312+59%-0.379-74%-0.022-98%
Gross Profit Margin--0.9330.918+2%0.926+1%0.920+1%0.904+3%
Intrinsic Value_10Y_max--12.847--------
Intrinsic Value_10Y_min--6.667--------
Intrinsic Value_1Y_max--0.919--------
Intrinsic Value_1Y_min--0.566--------
Intrinsic Value_3Y_max--3.043--------
Intrinsic Value_3Y_min--1.800--------
Intrinsic Value_5Y_max--5.505--------
Intrinsic Value_5Y_min--3.131--------
Market Cap130837350.000+2%128523664.980112970876.808+14%129848861.865-1%146258680.947-12%200078292.482-36%
Net Profit Margin--0.1120.145-23%0.181-38%0.170-34%0.236-53%
Operating Margin--0.1540.220-30%0.315-51%0.343-55%0.361-57%
Operating Ratio--0.1760.025+604%-0.177+201%-0.077+144%-0.070+140%
Pb Ratio0.846+2%0.8270.736+12%0.850-3%0.891-7%1.081-23%
Pe Ratio15.817+2%15.45512.168+27%14.612+6%17.901-14%23.722-35%
Price Per Share10.500+2%10.2608.953+15%9.935+3%10.326-1%11.935-14%
Price To Free Cash Flow Ratio7.962+2%7.7803.899+100%4.242+83%27.175-71%21.749-64%
Price To Total Gains Ratio37.404+2%36.54937.893-4%-57.372+257%-19.564+154%5.598+553%
Quick Ratio--0.23531.705-99%32.851-99%26.484-99%23.668-99%
Return On Assets--0.0010.002-10%0.002-14%0.002-9%0.002-36%
Return On Equity--0.0130.015-13%0.017-22%0.015-9%0.018-25%
Total Gains Per Share--0.2810.253+11%0.080+249%0.164+71%0.171+64%
Usd Book Value--155383000.000153450000.000+1%152691500.000+2%163240000.000-5%181701550.000-14%
Usd Book Value Change Per Share--0.1810.153+18%-0.020+111%0.064+183%0.091+97%
Usd Book Value Per Share--12.40412.157+2%11.681+6%11.638+7%11.131+11%
Usd Dividend Per Share--0.1000.100+0%0.100+0%0.100+0%0.080+26%
Usd Eps--0.1660.186-11%0.201-18%0.172-4%0.197-16%
Usd Free Cash Flow--4130000.0002009250.000+106%1837000.000+125%2645200.000+56%3570775.000+16%
Usd Free Cash Flow Per Share--0.3300.160+106%0.144+128%0.187+77%0.214+54%
Usd Free Cash Flow To Equity Per Share---1.452-1.729+19%-2.312+59%-0.379-74%-0.022-98%
Usd Market Cap130837350.000+2%128523664.980112970876.808+14%129848861.865-1%146258680.947-12%200078292.482-36%
Usd Price Per Share10.500+2%10.2608.953+15%9.935+3%10.326-1%11.935-14%
Usd Profit--2079000.0002348250.000-11%2623500.000-21%2406600.000-14%3331725.000-38%
Usd Revenue--18565000.00016447000.000+13%14197750.000+31%14086450.000+32%14108375.000+32%
Usd Total Gains Per Share--0.2810.253+11%0.080+249%0.164+71%0.171+64%
 EOD+4 -4MRQTTM+21 -15YOY+21 -155Y+20 -1610Y+18 -18

4.2. Fundamental Score

Let's check the fundamental score of BankFinancial Corporation based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-1515.817
Price to Book Ratio (EOD)Between0-10.846
Net Profit Margin (MRQ)Greater than00.112
Operating Margin (MRQ)Greater than00.154
Quick Ratio (MRQ)Greater than10.235
Current Ratio (MRQ)Greater than10.211
Debt to Asset Ratio (MRQ)Less than10.896
Debt to Equity Ratio (MRQ)Less than18.603
Return on Equity (MRQ)Greater than0.150.013
Return on Assets (MRQ)Greater than0.050.001
Total4/10 (40.0%)

4.3. Technical Score

Let's check the technical score of BankFinancial Corporation based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5060.004
Ma 20Greater thanMa 5010.176
Ma 50Greater thanMa 10010.299
Ma 100Greater thanMa 2009.916
OpenGreater thanClose10.320
Total3/5 (60.0%)



Reversals in quarterly reports

I have detected a reversal (positive to negative, negative to positive) in the following values of the quarterly reports.

 2022-12-312023-03-312023-06-302023-09-302023-12-31
Other Current Liabilities  -20,2245,653-14,571-344-14,915-1,101-16,016880,489864,473
Long-term Assets Other  -210,33817,144-193,19423,547-169,64711,222-158,425184,63426,209
Net Working Capital  1,218,565-1,156,13162,4341,122,3181,184,752-67,1301,117,622-1,823,900-706,278
EBITDA  6,868-7356,133-2,9833,1501183,268-3,475-207
Depreciation and Amortization  1803621621242821449-3,517-3,068



Latest Balance Sheet

Balance Sheet of 2023-12-31. Currency in USD. All numbers in thousands.

Summary
Total Assets1,492,170
Total Liabilities1,336,787
Total Stockholder Equity155,383
 As reported
Total Liabilities 1,336,787
Total Stockholder Equity+ 155,383
Total Assets = 1,492,170

Assets

Total Assets1,492,170
Total Current Assets189,326
Long-term Assets1,302,844
Total Current Assets
Cash And Cash Equivalents 178,484
Short-term Investments 182,716
Net Receivables 7,542
Other Current Assets 189,326
Total Current Assets  (as reported)189,326
Total Current Assets  (calculated)558,068
+/- 368,742
Long-term Assets
Property Plant Equipment 26,893
Long Term Investments 182,716
Long-term Assets Other 26,209
Long-term Assets  (as reported)1,302,844
Long-term Assets  (calculated)235,818
+/- 1,067,026

Liabilities & Shareholders' Equity

Total Current Liabilities895,604
Long-term Liabilities441,183
Total Stockholder Equity155,383
Total Current Liabilities
Short-term Debt 31,131
Other Current Liabilities 864,473
Total Current Liabilities  (as reported)895,604
Total Current Liabilities  (calculated)895,604
+/-0
Long-term Liabilities
Long term Debt 44,678
Long-term Liabilities  (as reported)441,183
Long-term Liabilities  (calculated)44,678
+/- 396,505
Total Stockholder Equity
Common Stock125
Retained Earnings 74,426
Accumulated Other Comprehensive Income -2,625
Other Stockholders Equity 83,457
Total Stockholder Equity (as reported)155,383
Total Stockholder Equity (calculated)155,383
+/-0
Other
Capital Stock125
Cash and Short Term Investments 19,781
Common Stock Shares Outstanding 12,527
Liabilities and Stockholders Equity 1,492,170
Net Debt -129,863
Net Invested Capital 200,061
Net Working Capital -706,278
Property Plant and Equipment Gross 57,778
Short Long Term Debt Total 48,621



Balance Sheet

Currency in USD. All numbers in thousands.

 Trend2023-12-312023-09-302023-06-302023-03-312022-12-312022-09-302022-06-302022-03-312021-12-312021-09-302021-06-302021-03-312020-12-312020-09-302020-06-302020-03-312019-12-312019-09-302019-06-302019-03-312018-12-312018-09-302018-06-302018-03-312017-12-312017-09-302017-06-302017-03-312016-12-312016-09-302016-06-302016-03-312015-12-312015-09-302015-06-302015-03-312014-12-312014-09-302014-06-302014-03-312013-12-312013-09-302013-06-302013-03-312012-12-312012-09-302012-06-302012-03-312011-12-312011-09-302011-06-302011-03-312010-12-312010-09-302010-06-302010-03-312009-12-312009-09-302009-06-302009-03-312008-12-312008-09-302008-06-302008-03-312007-12-312007-09-302007-06-302007-03-312006-12-312006-09-302006-06-302006-03-312005-12-312005-09-302005-06-302005-03-312004-12-312004-09-302004-06-302003-12-31
> Total Assets 
1,457,911
1,468,967
0
1,492,782
1,495,497
1,786,723
1,573,080
1,614,436
1,643,121
1,671,630
1,609,977
1,613,122
1,566,951
1,531,805
1,504,622
1,480,544
1,475,068
1,456,812
1,448,689
1,554,701
1,557,909
1,572,797
1,574,440
1,566,890
1,558,654
1,565,639
1,570,420
1,530,655
1,705,231
1,662,888
1,633,826
1,563,575
1,549,137
1,522,194
1,499,872
1,481,192
1,466,135
1,461,132
1,441,948
1,453,594
1,448,542
1,442,306
1,420,933
1,465,410
1,443,369
1,439,738
1,431,423
1,512,443
1,511,808
1,499,831
1,540,273
1,620,037
1,603,473
1,623,418
1,654,269
1,625,558
1,559,929
1,567,498
1,532,484
1,585,325
1,545,020
1,533,922
1,491,982
1,488,015
1,450,282
1,593,129
1,604,943
1,596,842
1,620,385
1,656,622
1,660,142
1,700,682
1,660,152
1,644,886
1,629,224
1,575,137
1,544,110
1,526,696
1,505,454
1,492,170
1,492,1701,505,4541,526,6961,544,1101,575,1371,629,2241,644,8861,660,1521,700,6821,660,1421,656,6221,620,3851,596,8421,604,9431,593,1291,450,2821,488,0151,491,9821,533,9221,545,0201,585,3251,532,4841,567,4981,559,9291,625,5581,654,2691,623,4181,603,4731,620,0371,540,2731,499,8311,511,8081,512,4431,431,4231,439,7381,443,3691,465,4101,420,9331,442,3061,448,5421,453,5941,441,9481,461,1321,466,1351,481,1921,499,8721,522,1941,549,1371,563,5751,633,8261,662,8881,705,2311,530,6551,570,4201,565,6391,558,6541,566,8901,574,4401,572,7971,557,9091,554,7011,448,6891,456,8121,475,0681,480,5441,504,6221,531,8051,566,9511,613,1221,609,9771,671,6301,643,1211,614,4361,573,0801,786,7231,495,4971,492,78201,468,9671,457,911
   > Total Current Assets 
0
0
0
1,170,988
0
1,257,085
1,261,771
1,314,266
1,346,578
1,351,110
1,384,785
1,428,037
1,393,746
1,377,880
1,371,966
1,338,673
1,337,626
1,315,332
1,309,385
1,366,666
1,375,597
1,397,655
1,403,178
1,403,289
1,403,446
1,421,319
1,433,556
1,352,147
1,518,883
1,501,523
1,473,394
1,427,917
1,425,344
1,404,869
1,376,374
1,362,071
1,364,450
1,368,556
1,319,802
1,304,926
1,295,399
1,296,754
1,269,904
1,308,095
1,293,674
1,305,522
1,292,677
1,363,659
1,366,945
1,361,072
1,407,607
1,480,630
1,461,441
1,482,236
1,524,300
1,507,033
1,432,476
1,430,462
1,403,967
1,471,839
1,323,902
1,286,869
1,231,785
1,403,435
1,166,978
1,100,071
1,083,986
1,548,331
1,043,102
1,049,644
1,063,606
1,057,950
539,526
1,160,058
1,153,552
1,238,789
77,005
1,199,667
1,133,638
189,326
189,3261,133,6381,199,66777,0051,238,7891,153,5521,160,058539,5261,057,9501,063,6061,049,6441,043,1021,548,3311,083,9861,100,0711,166,9781,403,4351,231,7851,286,8691,323,9021,471,8391,403,9671,430,4621,432,4761,507,0331,524,3001,482,2361,461,4411,480,6301,407,6071,361,0721,366,9451,363,6591,292,6771,305,5221,293,6741,308,0951,269,9041,296,7541,295,3991,304,9261,319,8021,368,5561,364,4501,362,0711,376,3741,404,8691,425,3441,427,9171,473,3941,501,5231,518,8831,352,1471,433,5561,421,3191,403,4461,403,2891,403,1781,397,6551,375,5971,366,6661,309,3851,315,3321,337,6261,338,6731,371,9661,377,8801,393,7461,428,0371,384,7851,351,1101,346,5781,314,2661,261,7711,257,08501,170,988000
       Cash And Cash Equivalents 
26,359
0
0
29,298
0
113,755
82,389
38,026
42,188
33,041
37,479
67,337
66,304
65,958
44,697
28,948
29,141
34,212
36,288
29,329
23,037
59,917
101,898
108,198
175,831
219,284
261,712
220,810
124,255
114,482
108,168
120,704
178,080
220,707
236,729
275,764
311,128
312,093
243,478
160,957
151,724
133,505
92,925
59,581
66,254
77,426
61,470
59,377
65,943
85,557
100,530
96,684
75,466
81,606
125,661
127,592
92,576
92,195
86,934
98,204
78,222
103,607
140,793
190,325
169,938
384,765
429,665
503,496
498,583
536,036
528,615
502,162
401,002
270,471
216,131
66,771
77,005
115,331
171,561
178,484
178,484171,561115,33177,00566,771216,131270,471401,002502,162528,615536,036498,583503,496429,665384,765169,938190,325140,793103,60778,22298,20486,93492,19592,576127,592125,66181,60675,46696,684100,53085,55765,94359,37761,47077,42666,25459,58192,925133,505151,724160,957243,478312,093311,128275,764236,729220,707178,080120,704108,168114,482124,255220,810261,712219,284175,831108,198101,89859,91723,03729,32936,28834,21229,14128,94844,69765,95866,30467,33737,47933,04142,18838,02682,389113,755029,2980026,359
       Short-term Investments 
2,271
0
0
1,431
0
0
258,981
3,589
245,641
251,927
157,396
29,051
106,884
69,085
67,686
669
73,545
78,030
75,865
124,919
119,417
112,468
109,213
87,843
94,447
0
0
202,713
0
95,546
94,880
92,832
81,241
75,040
81,748
77,832
61,273
53,014
83,409
110,907
115,977
108,979
115,001
121,174
114,039
99,137
104,242
114,753
111,386
105,698
99,899
107,212
110,230
109,762
98,787
93,383
102,170
112,452
103,921
88,179
83,240
87,080
65,440
60,193
63,853
59,437
42,048
23,829
20,751
18,883
14,693
85,694
132,634
158,951
199,339
210,338
170,239
169,647
158,425
182,716
182,716158,425169,647170,239210,338199,339158,951132,63485,69414,69318,88320,75123,82942,04859,43763,85360,19365,44087,08083,24088,179103,921112,452102,17093,38398,787109,762110,230107,21299,899105,698111,386114,753104,24299,137114,039121,174115,001108,979115,977110,90783,40953,01461,27377,83281,74875,04081,24192,83294,88095,5460202,7130094,44787,843109,213112,468119,417124,91975,86578,03073,54566967,68669,085106,88429,051157,396251,927245,6413,589258,981001,431002,271
       Net Receivables 
0
0
0
5,420
0
5,701
6,170
6,598
7,081
7,185
7,484
7,869
7,996
7,075
7,427
7,090
6,763
6,407
6,246
6,732
6,420
6,304
5,982
17,840
14,665
14,905
5,714
7,139
8,665
7,791
7,002
7,353
6,264
5,221
4,856
461
3,951
3,750
3,576
3,933
3,728
3,743
3,590
3,926
3,829
3,885
4,000
4,226
4,346
4,000
4,156
4,381
4,478
4,488
4,569
4,619
4,900
4,705
4,974
4,952
5,411
5,417
4,763
4,563
4,698
4,447
4,354
3,941
4,695
5,300
5,118
4,648
5,890
6,660
7,011
7,338
1,233,604
8,499
8,343
7,542
7,5428,3438,4991,233,6047,3387,0116,6605,8904,6485,1185,3004,6953,9414,3544,4474,6984,5634,7635,4175,4114,9524,9744,7054,9004,6194,5694,4884,4784,3814,1564,0004,3464,2264,0003,8853,8293,9263,5903,7433,7283,9333,5763,7503,9514614,8565,2216,2647,3537,0027,7918,6657,1395,71414,90514,66517,8405,9826,3046,4206,7326,2466,4076,7637,0907,4277,0757,9967,8697,4847,1857,0816,5986,1705,70105,420000
       Other Current Assets 
0
0
0
1,136,270
0
1,137,629
1,173,212
1,269,642
1,297,309
1,310,884
1,339,822
1,352,831
1,319,446
1,304,847
1,319,842
1,302,635
1,301,722
1,274,713
1,266,851
1,330,605
1,346,140
1,331,434
1,295,298
1,277,251
1,212,950
1,187,130
1,166,130
1,124,198
1,385,963
1,379,250
1,358,224
1,299,860
1,241,000
1,178,941
1,134,789
1,081,700
1,049,371
1,052,713
1,072,748
1,140,036
1,139,947
1,159,506
1,173,389
1,244,588
1,223,591
1,224,211
1,227,207
1,185,303
1,185,270
1,165,817
1,302,921
1,272,353
1,271,267
1,286,380
1,295,283
1,281,439
1,232,830
1,221,110
1,208,138
1,280,504
5,411
5,417
4,763
1,148,354
4,698
4,447
4,354
1,017,065
514,378
484,125
1,052,174
-578,761
5,890
723,976
223,666
74,585
87,960
125,320
181,346
189,326
189,326181,346125,32087,96074,585223,666723,9765,890-578,7611,052,174484,125514,3781,017,0654,3544,4474,6981,148,3544,7635,4175,4111,280,5041,208,1381,221,1101,232,8301,281,4391,295,2831,286,3801,271,2671,272,3531,302,9211,165,8171,185,2701,185,3031,227,2071,224,2111,223,5911,244,5881,173,3891,159,5061,139,9471,140,0361,072,7481,052,7131,049,3711,081,7001,134,7891,178,9411,241,0001,299,8601,358,2241,379,2501,385,9631,124,1981,166,1301,187,1301,212,9501,277,2511,295,2981,331,4341,346,1401,330,6051,266,8511,274,7131,301,7221,302,6351,319,8421,304,8471,319,4461,352,8311,339,8221,310,8841,297,3091,269,6421,173,2121,137,62901,136,270000
   > Long-term Assets 
0
0
0
321,794
0
529,638
311,309
300,170
296,543
320,520
225,192
185,085
173,205
153,925
132,656
141,871
137,442
141,480
139,304
188,035
182,312
175,142
171,262
163,601
155,208
144,320
136,864
178,508
186,348
161,365
160,432
135,658
123,793
117,325
123,498
119,121
101,685
92,576
122,146
148,668
153,143
145,552
151,029
157,315
149,695
134,216
138,746
148,784
144,863
138,759
132,666
139,407
142,032
141,182
129,969
118,525
127,453
137,036
128,517
113,486
24,992
24,923
24,598
84,580
24,202
24,323
24,241
48,511
24,726
24,765
24,772
27,805
157,573
29,364
24,949
24,956
193,194
22,957
22,914
1,302,844
1,302,84422,91422,957193,19424,95624,94929,364157,57327,80524,77224,76524,72648,51124,24124,32324,20284,58024,59824,92324,992113,486128,517137,036127,453118,525129,969141,182142,032139,407132,666138,759144,863148,784138,746134,216149,695157,315151,029145,552153,143148,668122,14692,576101,685119,121123,498117,325123,793135,658160,432161,365186,348178,508136,864144,320155,208163,601171,262175,142182,312188,035139,304141,480137,442141,871132,656153,925173,205185,085225,192320,520296,543300,170311,309529,6380321,794000
       Property Plant Equipment 
33,019
32,689
0
32,954
0
33,008
32,810
32,819
32,182
35,206
35,069
35,005
34,571
34,437
34,171
34,487
34,014
34,013
34,448
34,565
34,773
34,974
34,771
34,614
34,305
33,575
32,934
32,495
37,650
38,745
38,948
39,155
39,044
38,934
38,555
38,251
37,530
36,830
36,154
35,328
34,882
34,432
34,030
34,286
33,943
33,502
33,063
32,726
32,308
32,021
31,856
31,413
31,149
30,889
30,774
30,523
24,628
24,441
24,473
25,205
31,474
24,923
24,598
24,346
24,202
24,323
24,241
24,675
24,726
24,765
24,772
25,043
24,939
25,103
24,949
24,956
22,955
22,957
22,914
26,893
26,89322,91422,95722,95524,95624,94925,10324,93925,04324,77224,76524,72624,67524,24124,32324,20224,34624,59824,92331,47425,20524,47324,44124,62830,52330,77430,88931,14931,41331,85632,02132,30832,72633,06333,50233,94334,28634,03034,43234,88235,32836,15436,83037,53038,25138,55538,93439,04439,15538,94838,74537,65032,49532,93433,57534,30534,61434,77134,97434,77334,56534,44834,01334,01434,48734,17134,43734,57135,00535,06935,20632,18232,81932,81033,008032,954032,68933,019
       Goodwill 
10,865
10,865
0
10,865
10,865
10,865
10,865
10,865
10,865
22,755
22,591
22,579
22,579
22,566
22,566
22,566
22,566
22,566
22,566
22,566
22,566
22,566
22,566
22,566
22,566
22,566
22,566
22,566
22,566
22,566
22,566
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
0
0
0
0
0
0
0
0
0
000000000000000000000000000000000000000000000000022,56622,56622,56622,56622,56622,56622,56622,56622,56622,56622,56622,56622,56622,56622,56622,56622,56622,56622,57922,57922,59122,75510,86510,86510,86510,86510,86510,865010,86510,865
       Long Term Investments 
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
1,388
1,918
521
505
551
2,166
55
276
15
0
0
0
0
41,382
0
0
0
33,109
0
0
0
32,924
0
0
0
5,667
5,581
24,160
22,772
20,925
83,240
497
269
60,193
110
1,081,941
1,066,002
1,002,735
1,028,840
18,883
14,693
85,694
1,055,069
1,142,743
1,141,799
210,338
170,239
169,647
158,425
182,716
182,716158,425169,647170,239210,3381,141,7991,142,7431,055,06985,69414,69318,8831,028,8401,002,7351,066,0021,081,94111060,19326949783,24020,92522,77224,1605,5815,66700032,92400033,10900041,382000015276552,1665515055211,9181,388000000000000000000000000000000
       Intangible Assets 
25,138
24,223
0
23,570
20,337
19,928
8,653
9,882
7,855
10,632
10,136
32,227
9,171
8,702
8,233
30,335
7,317
6,871
6,425
5,985
5,556
5,134
4,712
4,295
3,890
3,491
3,092
2,700
4,978
4,508
4,038
3,671
3,508
3,351
3,195
3,038
2,882
2,732
2,583
2,433
2,284
2,141
1,998
1,855
1,713
1,577
1,441
1,305
1,169
1,040
911
782
653
531
408
286
164
143
123
102
82
68
55
41
41
0
0
7
0
0
0
0
0
0
0
0
0
0
0
0
00000000000070041415568821021231431642864085316537829111,0401,1691,3051,4411,5771,7131,8551,9982,1412,2842,4332,5832,7322,8823,0383,1953,3513,5083,6714,0384,5084,9782,7003,0923,4913,8904,2954,7125,1345,5565,9856,4256,8717,31730,3358,2338,7029,17132,22710,13610,6327,8559,8828,65319,92820,33723,570024,22325,138
       Earning Assets 
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
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
157,472
184,179
200,649
248,223
226,629
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
000000000000000226,629248,223200,649184,179157,472000000000000000000000000000000000000000000000000000000000000
       Long-term Assets Other 
0
0
0
20,747
0
19,928
19,518
19,113
18,720
33,387
32,727
32,227
31,750
31,268
30,799
30,335
29,883
29,437
28,991
-159,484
-154,190
-147,442
-143,984
-136,740
-128,752
-118,263
-111,206
-153,242
-158,804
1,285,566
1,264,789
1,208,808
1,161,112
1,104,595
1,053,502
1,004,329
988,098
999,699
989,339
1,029,129
1,023,970
1,050,527
1,058,388
1,123,414
1,109,552
1,125,074
1,122,965
1,185,303
1,185,270
1,165,817
1,203,022
1,272,353
1,271,267
1,286,380
1,295,283
-5,667
1,335,000
1,221,110
1,208,138
1,280,504
-89,722
-87,080
-65,440
1,148,354
-63,853
-59,437
-42,048
-23,829
-20,751
-18,883
-14,693
-85,694
-157,573
-158,951
-199,339
-210,338
-193,194
-169,647
-158,425
26,209
26,209-158,425-169,647-193,194-210,338-199,339-158,951-157,573-85,694-14,693-18,883-20,751-23,829-42,048-59,437-63,8531,148,354-65,440-87,080-89,7221,280,5041,208,1381,221,1101,335,000-5,6671,295,2831,286,3801,271,2671,272,3531,203,0221,165,8171,185,2701,185,3031,122,9651,125,0741,109,5521,123,4141,058,3881,050,5271,023,9701,029,129989,339999,699988,0981,004,3291,053,5021,104,5951,161,1121,208,8081,264,7891,285,566-158,804-153,242-111,206-118,263-128,752-136,740-143,984-147,442-154,190-159,48428,99129,43729,88330,33530,79931,26831,75032,22732,72733,38718,72019,11319,51819,928020,747000
> Total Liabilities 
1,361,224
1,373,664
0
1,397,894
1,396,488
1,464,543
1,247,754
1,285,659
1,309,993
1,336,914
1,284,094
1,287,107
1,257,364
1,224,893
1,201,001
1,189,407
1,185,483
1,168,649
1,187,062
1,287,910
1,292,262
1,308,521
1,308,146
1,303,287
1,294,945
1,306,242
1,310,875
1,277,370
1,454,519
1,412,510
1,386,724
1,363,718
1,347,026
1,319,251
1,301,875
1,308,302
1,292,496
1,287,903
1,267,637
1,277,967
1,271,678
1,263,987
1,239,657
1,249,289
1,225,823
1,227,990
1,218,349
1,300,079
1,302,320
1,293,124
1,336,606
1,415,257
1,401,452
1,423,356
1,454,491
1,427,924
1,361,577
1,373,270
1,340,401
1,398,175
1,368,800
1,362,431
1,318,115
1,313,643
1,277,287
1,420,675
1,432,546
1,423,912
1,448,952
1,490,186
1,501,969
1,543,216
1,506,257
1,490,756
1,478,154
1,423,466
1,391,751
1,374,393
1,351,699
1,336,787
1,336,7871,351,6991,374,3931,391,7511,423,4661,478,1541,490,7561,506,2571,543,2161,501,9691,490,1861,448,9521,423,9121,432,5461,420,6751,277,2871,313,6431,318,1151,362,4311,368,8001,398,1751,340,4011,373,2701,361,5771,427,9241,454,4911,423,3561,401,4521,415,2571,336,6061,293,1241,302,3201,300,0791,218,3491,227,9901,225,8231,249,2891,239,6571,263,9871,271,6781,277,9671,267,6371,287,9031,292,4961,308,3021,301,8751,319,2511,347,0261,363,7181,386,7241,412,5101,454,5191,277,3701,310,8751,306,2421,294,9451,303,2871,308,1461,308,5211,292,2621,287,9101,187,0621,168,6491,185,4831,189,4071,201,0011,224,8931,257,3641,287,1071,284,0941,336,9141,309,9931,285,6591,247,7541,464,5431,396,4881,397,89401,373,6641,361,224
   > Total Current Liabilities 
0
0
0
10,382
0
11,910
11,416
18,428
13,806
14,429
9,265
11,089
10,612
9,876
10,125
21,836
121,571
8,436
129,832
0
0
0
10,346
11,056
8,981
9,723
10,513
10,919
11,576
11,300
10,542
10,868
8,315
8,905
9,406
12,679
8,416
12,248
9,096
11,772
8,135
12,545
11,759
23,166
11,431
12,896
11,012
11,314
11,096
10,632
10,035
13,757
11,056
10,899
1,432,017
15,460
13,029
12,689
12,384
14,111
16,814
17,900
17,235
18,603
15,367
20,164
20,304
17,698
20,402
21,962
20,092
27,202
18,982
15,522
18,733
20,224
14,571
14,915
16,016
895,604
895,60416,01614,91514,57120,22418,73315,52218,98227,20220,09221,96220,40217,69820,30420,16415,36718,60317,23517,90016,81414,11112,38412,68913,02915,4601,432,01710,89911,05613,75710,03510,63211,09611,31411,01212,89611,43123,16611,75912,5458,13511,7729,09612,2488,41612,6799,4068,9058,31510,86810,54211,30011,57610,91910,5139,7238,98111,05610,346000129,8328,436121,57121,83610,1259,87610,61211,0899,26514,42913,80618,42811,41611,910010,382000
       Short-term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
10,000
112,020
0
101,935
0
0
0
0
0
0
0
0
0
0
12,595
9,253
9,322
9,995
10,081
6,946
3,000
3,000
2,940
2,883
3,055
2,668
3,068
2,834
10,000
3,217
3,039
18,048
64,318
17,621
1,469
1,406
51,069
52,046
50,877
60,928
60,768
60,983
50,901
21,232
21,049
16,106
798
1,253
61
0
4,000
4,000
4,000
4,000
5,000
5,000
5,000
5,000
0
0
1,236
35,000
25,000
5,000
31,131
31,1315,00025,00035,0001,236005,0005,0005,0005,0004,0004,0004,0004,0000611,25379816,10621,04921,23250,90160,98360,76860,92850,87752,04651,0691,4061,46917,62164,31818,0483,0393,21710,0002,8343,0682,6683,0552,8832,9403,0003,0006,94610,0819,9959,3229,25312,5950000000000101,9350112,02010,000000000000000000
       Short Long Term Debt 
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
0
0
0
12,921
0
0
0
64,318
0
1,469
1,406
51,069
52,046
50,877
60,928
60,768
60,983
50,901
21,232
0
0
0
0
0
0
4,000
4,000
0
4,000
5,000
5,000
5,000
5,000
0
0
0
0
0
0
0
00000005,0005,0005,0005,0004,00004,0004,00000000021,23250,90160,98360,76860,92850,87752,04651,0691,4061,469064,31800012,9210000000000000000000000000000000000000000000
       Accounts payable 
1,073,897
1,104,512
0
10,382
1,108,637
11,910
11,416
18,428
13,806
14,429
9,265
11,089
10,612
9,876
10,125
11,836
9,551
8,436
27,897
1,069,855
1,153,738
1,211,756
10,346
11,056
8,981
9,723
10,513
10,919
11,576
11,300
10,542
10,868
8,315
8,905
9,406
9,679
8,416
12,248
9,096
11,772
8,135
12,545
11,759
13,166
11,431
12,896
11,012
11,314
11,096
10,632
10,035
13,757
11,056
10,899
1,371,089
15,460
13,029
12,689
12,384
14,111
16,814
17,900
17,235
18,603
15,367
16,164
16,304
17,698
16,402
16,962
15,092
22,202
13,982
15,522
18,733
20,224
14,571
14,915
16,016
0
016,01614,91514,57120,22418,73315,52213,98222,20215,09216,96216,40217,69816,30416,16415,36718,60317,23517,90016,81414,11112,38412,68913,02915,4601,371,08910,89911,05613,75710,03510,63211,09611,31411,01212,89611,43113,16611,75912,5458,13511,7729,09612,2488,4169,6799,4068,9058,31510,86810,54211,30011,57610,91910,5139,7238,98111,05610,3461,211,7561,153,7381,069,85527,8978,4369,55111,83610,1259,87610,61211,0899,26514,42913,80618,42811,41611,9101,108,63710,38201,104,5121,073,897
       Other Current Liabilities 
0
0
0
-10,382
0
-11,910
-11,416
-18,428
-13,806
-14,429
-9,265
-11,089
-10,612
-9,876
-10,125
0
0
-8,436
0
0
0
0
-10,346
-11,056
-8,981
-9,723
-10,513
-10,919
-11,576
-11,300
-10,542
-10,868
-8,315
-8,905
-9,406
1,282,351
-8,416
-12,248
-9,096
-11,772
-8,135
-12,545
-11,759
1,211,713
-11,431
-12,896
-11,012
-11,314
-11,096
-10,632
-10,035
-13,757
-11,056
-10,899
1,371,089
-15,460
-13,029
-12,689
-12,384
-14,111
-16,814
-17,900
-17,235
-18,603
-15,367
1,388,155
1,402,244
-17,698
1,422,037
1,438,574
1,454,389
-27,202
1,461,605
-15,522
-18,733
-20,224
-14,571
-14,915
-16,016
864,473
864,473-16,016-14,915-14,571-20,224-18,733-15,5221,461,605-27,2021,454,3891,438,5741,422,037-17,6981,402,2441,388,155-15,367-18,603-17,235-17,900-16,814-14,111-12,384-12,689-13,029-15,4601,371,089-10,899-11,056-13,757-10,035-10,632-11,096-11,314-11,012-12,896-11,4311,211,713-11,759-12,545-8,135-11,772-9,096-12,248-8,4161,282,351-9,406-8,905-8,315-10,868-10,542-11,300-11,576-10,919-10,513-9,723-8,981-11,056-10,3460000-8,43600-10,125-9,876-10,612-11,089-9,265-14,429-13,806-18,428-11,416-11,9100-10,382000
   > Long-term Liabilities 
0
0
0
264,742
0
213,775
181,252
191,388
236,251
175,349
165,082
138,148
134,300
100,862
81,138
71,500
0
70,633
0
200,350
123,995
78,819
74,648
50,784
48,092
35,566
29,275
23,749
15,488
12,595
9,253
9,322
9,995
10,081
6,946
5,567
2,740
2,940
2,883
3,055
2,668
3,068
2,834
12,921
3,217
3,039
18,048
64,318
17,621
1,469
18,505
51,069
52,046
50,877
60,928
60,768
60,983
50,901
21,232
21,049
16,106
798
1,253
61
3,873
28,520
26,302
4,000
4,000
19,568
19,578
24,590
19,601
19,612
18,733
20,224
14,571
44,656
44,667
441,183
441,18344,66744,65614,57120,22418,73319,61219,60124,59019,57819,5684,0004,00026,30228,5203,873611,25379816,10621,04921,23250,90160,98360,76860,92850,87752,04651,06918,5051,46917,62164,31818,0483,0393,21712,9212,8343,0682,6683,0552,8832,9402,7405,5676,94610,0819,9959,3229,25312,59515,48823,74929,27535,56648,09250,78474,64878,819123,995200,350070,633071,50081,138100,862134,300138,148165,082175,349236,251191,388181,252213,7750264,742000
       Long term Debt Total 
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
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
19,568
19,578
19,590
19,601
19,612
19,623
19,634
19,645
19,656
0
0
0019,65619,64519,63419,62319,61219,60119,59019,57819,568000000000000000000000000000000000000000000000000000000000000000000000
       Long-term Liabilities Other 
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
21,584
24,663
21,844
16,451
19,703
16,733
20,384
18,206
22,867
14,921
22,204
16,191
23,579
18,521
24,655
19,842
24,725
18,767
22,842
20,010
23,053
18,505
24,798
20,124
24,592
22,474
27,105
22,587
26,516
23,399
24,642
25,948
31,426
28,037
28,825
23,536
28,520
26,302
26,368
22,915
27,044
23,002
30,195
20,051
26,394
33,273
28,898
21,892
26,017
0
0
0026,01721,89228,89833,27326,39420,05130,19523,00227,04422,91526,36826,30228,52023,53628,82528,03731,42625,94824,64223,39926,51622,58727,10522,47424,59220,12424,79818,50523,05320,01022,84218,76724,72519,84224,65518,52123,57916,19122,20414,92122,86718,20620,38416,73319,70316,45121,84424,66321,58400000000000000000000000000000
> Total Stockholder Equity
96,687
95,303
0
94,888
99,009
322,180
325,326
328,777
333,128
334,716
325,883
326,015
309,587
306,912
303,621
291,137
289,585
288,163
261,627
266,791
265,647
264,276
266,294
263,603
263,709
259,397
259,545
253,285
250,712
250,378
247,102
199,857
202,111
202,943
197,997
172,890
173,639
173,229
174,311
175,627
176,864
178,319
181,276
216,121
217,546
211,748
213,074
212,364
209,488
206,707
203,667
204,780
202,021
200,062
199,778
197,634
198,352
194,228
192,083
187,150
176,220
171,491
173,867
174,372
172,995
172,454
172,397
172,930
171,433
166,436
158,173
157,466
153,895
154,130
151,070
151,671
152,359
152,303
153,755
155,383
155,383153,755152,303152,359151,671151,070154,130153,895157,466158,173166,436171,433172,930172,397172,454172,995174,372173,867171,491176,220187,150192,083194,228198,352197,634199,778200,062202,021204,780203,667206,707209,488212,364213,074211,748217,546216,121181,276178,319176,864175,627174,311173,229173,639172,890197,997202,943202,111199,857247,102250,378250,712253,285259,545259,397263,709263,603266,294264,276265,647266,791261,627288,163289,585291,137303,621306,912309,587326,015325,883334,716333,128328,777325,326322,18099,00994,888095,30396,687
   Common Stock
0
0
0
0
0
245
245
245
245
245
245
243
232
229
226
222
220
219
218
217
215
214
214
214
214
211
211
211
211
211
211
211
211
211
211
211
211
211
211
211
211
211
211
211
211
205
205
203
199
197
193
192
184
182
180
179
178
175
172
165
157
154
154
153
151
149
148
148
146
141
134
132
132
131
129
127
127
126
125
125
12512512612712712913113213213414114614814814915115315415415716517217517817918018218419219319719920320520521121121121121121121121121121121121121121121121121121121121121421421421421521721821922022222622923224324524524524524524500000
   Retained Earnings 
96,687
95,303
0
96,455
99,009
100,912
104,609
107,528
109,200
110,636
113,387
113,128
113,091
113,807
114,451
113,802
115,448
108,503
81,894
88,279
86,939
84,774
84,626
81,531
80,749
78,961
78,224
71,278
69,026
68,577
65,206
17,946
20,072
20,659
15,226
-9,796
-9,118
-9,464
-8,425
-7,342
-6,400
-5,207
-2,461
31,584
32,726
34,106
34,815
36,114
37,008
36,845
38,380
39,483
40,209
41,496
43,786
43,274
45,397
48,443
50,437
56,167
58,072
57,331
59,718
61,573
62,469
63,322
63,787
64,754
64,750
65,230
65,498
66,545
66,490
67,742
69,657
71,808
71,449
72,492
73,602
74,426
74,42673,60272,49271,44971,80869,65767,74266,49066,54565,49865,23064,75064,75463,78763,32262,46961,57359,71857,33158,07256,16750,43748,44345,39743,27443,78641,49640,20939,48338,38036,84537,00836,11434,81534,10632,72631,584-2,461-5,207-6,400-7,342-8,425-9,464-9,118-9,79615,22620,65920,07217,94665,20668,57769,02671,27878,22478,96180,74981,53184,62684,77486,93988,27981,894108,503115,448113,802114,451113,807113,091113,128113,387110,636109,200107,528104,609100,91299,00996,455095,30396,687
   Capital Surplus 
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
194,144
193,983
193,801
193,740
193,723
193,754
193,590
193,544
193,556
193,567
193,594
193,610
193,684
193,674
193,845
193,939
186,601
186,992
184,797
180,830
177,995
173,185
173,047
161,265
158,060
155,481
153,811
152,489
145,331
141,230
130,547
117,715
113,717
113,717
112,420
110,220
108,748
108,231
107,815
106,329
100,877
92,381
90,709
90,170
89,917
87,606
85,848
85,346
84,603
0
0
0084,60385,34685,84887,60689,91790,17090,70992,381100,877106,329107,815108,231108,748110,220112,420113,717113,717117,715130,547141,230145,331152,489153,811155,481158,060161,265173,047173,185177,995180,830184,797186,992186,601193,939193,845193,674193,684193,610193,594193,567193,556193,544193,590193,754193,723193,740193,801193,983194,14400000000000000000000000000000
   Treasury Stock0000000000000000000000000000-8,318-8,564-8,811-9,054-9,297-9,544-9,791-10,035-10,276-10,522-10,769-11,013-11,255-11,501-11,748-11,992-12,233-12,479-12,725-12,968-13,212-13,458-13,705-13,949-14,190-14,437-14,684-14,928-15,169-15,416-15,662-15,906-16,148-16,394-16,639-16,882-17,126-17,373-17,620-17,864-18,105-18,352-18,598-18,843-19,084-19,319-19,57300000
   Other Stockholders Equity 
0
0
0
0
0
240,007
240,123
240,235
240,379
240,590
228,240
227,741
209,642
207,043
202,602
198,449
195,944
195,846
195,677
178,971
178,355
178,391
179,204
180,008
180,781
178,361
179,155
179,996
180,236
180,439
180,525
180,589
180,772
180,998
181,275
181,357
181,552
181,808
182,066
182,339
182,597
182,915
183,152
183,569
183,904
176,810
177,448
175,500
171,776
169,184
164,621
164,729
161,265
158,060
155,481
153,811
152,489
145,331
141,230
130,547
117,715
113,717
113,717
112,420
110,220
108,748
108,231
107,815
106,329
100,877
92,381
90,709
90,170
89,917
87,606
85,848
85,346
84,603
84,133
83,457
83,45784,13384,60385,34685,84887,60689,91790,17090,70992,381100,877106,329107,815108,231108,748110,220112,420113,717113,717117,715130,547141,230145,331152,489153,811155,481158,060161,265164,729164,621169,184171,776175,500177,448176,810183,904183,569183,152182,915182,597182,339182,066181,808181,552181,357181,275180,998180,772180,589180,525180,439180,236179,996179,155178,361180,781180,008179,204178,391178,355178,971195,677195,846195,944198,449202,602207,043209,642227,741228,240240,590240,379240,235240,123240,00700000



Balance Sheet

Currency in USD. All numbers in thousands.




Cash Flow

Currency in USD. All numbers in thousands.




Income Statement

Currency in USD. All numbers in thousands.


Latest Income Statement (annual, 2023-12-31)

Gross Profit (+$)
totalRevenue71,165
Cost of Revenue-0
Gross Profit71,16571,165
 
Operating Income (+$)
Gross Profit71,165
Operating Expense-12,897
Operating Income13,61758,268
 
Operating Expense (+$)
Research Development0
Selling General Administrative23,097
Selling And Marketing Expenses762
Operating Expense12,89723,859
 
Net Interest Income (+$)
Interest Income66,155
Interest Expense-1,774
Other Finance Cost-12,552
Net Interest Income51,829
 
Pretax Income (+$)
Operating Income13,617
Net Interest Income51,829
Other Non-Operating Income Expenses0
Income Before Tax (EBT)12,752865
EBIT - interestExpense = -4,739
12,752
11,167
Interest Expense1,774
Earnings Before Interest and Taxes (EBIT)-2,96514,526
Earnings Before Interest and Taxes (EBITDA)-865
 
After tax Income (+$)
Income Before Tax12,752
Tax Provision-3,359
Net Income From Continuing Ops9,3939,393
Net Income9,393
Net Income Applicable To Common Shares0
 
Non-recurring Events
Discontinued Operations0
Extraordinary Items0
Effect of Accounting Charges0
Other Items0
Non Recurring0
Other Operating Expenses58,422
Total Other Income/Expenses Net12,752-51,829
 

Technical Analysis of Bankfinancial
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of Bankfinancial. The general trend of Bankfinancial is BULLISH with 85.7% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine Bankfinancial's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitionsBullish trend (85.7%) Bearish trend (-85.7%)
Overbought to neutralBullish pullback=Bearish reversal
Upper to lower neutralBullish correction=Bearish continuation
Nuetral to oversoldOversold=Oversold
Oversold to neutralBullish reversal=Bearish correction
Lower to upper neutralBullish continuation=Bearish pullback
Nuetral to overboughtOverbought=Overbought

1. Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

Support is a price level at which demand for an asset is strong enough to prevent the price from falling further.
Resistance is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.


Score

Let's take a look at the Support & Resistance of BankFinancial Corporation.

The long score for the Support & Resistance is 0/1.
The longshort score for the Support & Resistance is -1/(-1 +1).

  • Around resistance: The price is trading arround resistance levels. This can be considered as a potential exit level. -1

The bullish price targets are: 10.60 < 10.99 < 11.01.

The bearish price targets are: 10.06 > 9.77 > 9.65.

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BankFinancial Corporation Daily Support & Resistance Chart

2. Trend Indicators

2.1 Moving Averages

Shows the moving average of the selected period.

  • Moving averages are lagging trend indicators.
  • There are many types of moving averages.
  • Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of BankFinancial Corporation. The current mas is .

The long score for the Moving Averages is 13/14.
The longshort score for the Moving Averages is 12/(-14 +14).

  • MA 20 trending up: The MA 20 is trending up. +1
  • Close > MA 20: The price is above the MA 20. +1
  • MA 20 < MA 50: The MA 20 is lower than the MA 50. -1
  • MA 20 > MA 100: The MA 20 is higher than the MA 100. +1
  • MA 20 > MA 200: The MA 20 is higher than the MA 200. +1
  • MA 50 trending up: The MA 50 is trending up. +1
  • Close > MA 50: The price is above the MA 50. +1
  • MA 50 > MA 100: The MA 50 is higher than the MA 100. +1
  • MA 50 > MA 200: The MA 50 is higher than the MA 200. +1
  • MA 100 trending up: The MA 100 is trending up. +1
  • Close > MA 100: The price is above the MA 100. +1
  • MA 100 > MA 200: The MA 100 is higher than the MA 200. +1
  • MA 200 trending up: The MA 200 is trending up. +1
  • Close > MA 200: The price is above the MA 200. +1

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200
MA 2020
MA 5050-
MA 100100--
MA 200200---

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

BankFinancial Corporation Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows the momentum of the selected period based on two moving averages.

  • MACD is a lagging momentum indicator.
  • Uses two moving averages.
  • Can show buy or sell signals based on momentum.
  • Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of BankFinancial Corporation. The current macd is 0.06052409.

The long score for the Moving Average Convergence/Divergence (MACD) is 4/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is 4/(-4 +4).

  • MACD line > signal line: The MACD line is above the signal line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the Bankfinancial price going up in the near term. +2
  • MACD > 0: The MACD is above the zero line (centerline), it indicates a bullish signal for Bankfinancial. This means that the short-term moving average is higher than the long-term moving average, signaling positive momentum and suggesting a higher likelihood of the Bankfinancial price continuing to rise in the near future. It indicates that buyers are gaining control, and there is optimism in the market, leading to potential price increases. +1
  • Trending up: The MACD line is trending up. This indicates that the short-term moving average is rising faster than the long-term moving average, suggesting positive momentum in the market. This signals that buyers are becoming more active and confident, leading to potential price increases as traders anticipate further gains and are willing to buy at higher prices. +1
BankFinancial Corporation Daily Moving Average Convergence/Divergence (MACD) ChartBankFinancial Corporation Daily Moving Average Convergence/Divergence (MACD) Chart
2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.


Score

Let's take a look at the Directional Movement Index (DMI) of BankFinancial Corporation. The current adx is 14.99.

The long score for the Directional Movement Index (DMI) is 2/7.
The longshort score for the Directional Movement Index (DMI) is 2/(-7 +7).

  • PLUS_ID > MINUS_DI: The +DI line is above the -DI line. This indicates a bullish signal in the market, as the positive directional movement is currently stronger than the negative directional movement, showing that buyers have the upper hand. Market psychology suggests that traders are optimistic, expecting further price increases, and are more willing to buy Bankfinancial shares, leading to potential upward momentum in its price. +1
  • PLUS_ID > MINUS_DI && ADX < 25 && ADX trending up: The ADX is below 25 and indicates a weak or no trend. However, the ADX is rising and a new bullish trend could be forming. +1
BankFinancial Corporation Daily Directional Movement Index (DMI) Chart
2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

  • Parabolic SAR (stop and reverse) is a lagging trend indicator.
  • Shows the current trend.
  • Shows potential entry signals.
  • Shows  potential exit signals.
  • Can be used to place trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of BankFinancial Corporation. The current sar is 9.98698764.

The long score for the Parabolic SAR is 1/1.
The longshort score for the Parabolic SAR is 1/(-1 +1).

  • Close > SAR: The price is above the SAR. It's generally considered a bullish signal. +1
BankFinancial Corporation Daily Parabolic SAR Chart

3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentum indicator, meaning the signals are instant.
  • Ranges between 0 and 100.
  • Above 70 is considered overbought.
  • Below 30 is considered oversold.
  • Above or below 50 can also be used to determine price trend or support and resistance.
  • RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
  • Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of BankFinancial Corporation. The current rsi is 60.00. The current phase is Continuation in bull market.

The long score for the Relative Strength Index (RSI) is 4/13.
The longshort score for the Relative Strength Index (RSI) is 4/(-13 +13).

  • Continuation in bull market: Uptrend continues after a consolidation or pullback. Hold or add to existing positions.
  • Trending up: The RSI is trending up. +1
BankFinancial Corporation Daily Relative Strength Index (RSI) ChartBankFinancial Corporation Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

Compares a certain price to multiple prices ranging over time.

  • Leading momentum indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • Ranges between 0 and 100.
  • Above 80 is considered overbought.
  • Below 20 is considered oversold.
  • Consists of two lines named K and D.
  • K compares the highest high and lowest low on the selected price range.
  • The D line is a moving average of the K line.
  • Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of BankFinancial Corporation. The current phase is Overbought in bull market.

The long score for the Stochastic Oscillator is 6/6.
The longshort score for the Stochastic Oscillator is 6/(-6 +6).

  • STOCH > 50: The STOCH %K is above 50. There are more buyers than sellers. +1
  • STOCH > 80: The STOCH %K is above 80 and overbought. +2
  • STOCH %K line > STOCH %D line: The STOCH %K line is above the STOCH %D line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the Bankfinancial price going up in the near term. +2
  • Trending up: The STOCH %K is trending up. +1
BankFinancial Corporation Daily Stochastic Oscillator ChartBankFinancial Corporation Daily Stochastic Oscillator Chart
3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

  • Lagging or leading Momentum indicator
  • When the CCI is above zero, the price is above the historical average
  • When the CCI is below zero, the price is below the historical average
  • Used for spotting trends
    • If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
    • If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of BankFinancial Corporation. The current cci is 135.12.

The long score for the Commodity Channel Index (CCI) is 1/1.
The longshort score for the Commodity Channel Index (CCI) is 1/(-1 +1).

  • CCI > 100: The CCI is above 100, it indicates that the price is significantly above its average, suggesting a potential overbought condition. +1
BankFinancial Corporation Daily Commodity Channel Index (CCI) ChartBankFinancial Corporation Daily Commodity Channel Index (CCI) Chart
3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

  • Lagging momentum indicator
  • Ranges between +100 and -100
  • Considered overbought above +50
  • Considered oversold below -50
  • It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of BankFinancial Corporation. The current cmo is 28.14.

The long score for the Chande Momentum Oscillator (CMO) is 1/1.
The longshort score for the Chande Momentum Oscillator (CMO) is 1/(-1 +1).

  • CMO > 0: The CMO is above 0, the momentum of the price is positive, indicating a potential uptrend in the price. +1
BankFinancial Corporation Daily Chande Momentum Oscillator (CMO) ChartBankFinancial Corporation Daily Chande Momentum Oscillator (CMO) Chart
3.5 Williams %R

 Shows the current price relative to the highest high over the last 14 days.
 

  • Lagging momentum indicator
  • Ranging between 0 and -100
  • Above -20 is considered overbought
  • Below -80 is considered oversold
  • Is prone to give false signals

Score

Let's take a look at the Williams %R of BankFinancial Corporation. The current willr is -18.01934743.

The long score for the Williams %R is 1/1.
The longshort score for the Williams %R is 1/(-1 +1).

  • WILLR > -20: The Williams %R is above -20. This indicates that the price is in overbought territory, suggesting a potential price correction or trend reversal to the downside. +1
BankFinancial Corporation Daily Williams %R ChartBankFinancial Corporation Daily Williams %R Chart

4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

  • Lagging volatility indicator
  • Uses 3 bands: one upper, one lower and one in the middle
  • Works best when the middle band reflects an intermediate trend (MA20).
  • When the price is moving closer to the upper band, the market might be overbought
  • When the price is moving closer to the lower band, the market might be oversold 

Score

Let's take a look at the Bollinger Bands of BankFinancial Corporation.

BankFinancial Corporation Daily Bollinger Bands Chart
4.2 Average True Range (ATR)
Measures market volatility
  • Leading volatility indicator
  • Can be used to determine stop-loss positions
  • Calculated by:
    • Current high minus the current low
    • Current high minus the previous close
    • Current low minus the previous close
  • The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of BankFinancial Corporation. The current atr is 0.21300571.

BankFinancial Corporation Daily Average True Range (ATR) ChartBankFinancial Corporation Daily Average True Range (ATR) Chart

5. Volume Indicators

5.1 On-Balance Volume (OBV)

 Measures market volatility

  • Leading momentum indicator
  • Calculation:
    • If the closing price is above the previous closing price: OBV = previous OBV + current volume
    • If the closing price is below the previous closing price: OBV = previous OBV - current volume
    • If the closing price is the same as the previous closing price than the OBV is the same.
  • Can be used to confirm price trends
  • Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of BankFinancial Corporation. The current obv is -546,954.

BankFinancial Corporation Daily On-Balance Volume (OBV) ChartBankFinancial Corporation Daily On-Balance Volume (OBV) Chart
5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

  • Lagging momentum indicator
  • Looks like RSI but uses volume as an extra metric (RSI only considers price)
  • Above 80 is considered overbought
  • Below 20 is considered oversold
  • Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of BankFinancial Corporation. The current mfi is 69.54.

The long score for the Money Flow Index (MFI) is 1/2.
The longshort score for the Money Flow Index (MFI) is 1/(-2 +2).

  • MFI > 50: +1
BankFinancial Corporation Daily Money Flow Index (MFI) ChartBankFinancial Corporation Daily Money Flow Index (MFI) Chart

6. Summary

6.1. Notifications

TypeNotificationDate
PenkeCurrently no notifications for BankFinancial Corporation.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

DateIndicatorSignal
2023-11-06DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
2023-11-07STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-08STOCH SHORT EXITThe %K line crosses above the %D line.
2023-11-09WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-11-13STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-14STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2023-11-15MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2023-11-20STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-29STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-12-01CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-12-04STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-05MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-12-06STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2023-12-07STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-08MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
2023-12-11MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2023-12-12SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
2023-12-13MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-14ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-15STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-19STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2023-12-21STOCH LONG EXITThe %K line crosses below the %D line.
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2023-12-22STOCH SHORT EXITThe %K line crosses above the %D line.
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2023-12-27RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-28WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2024-01-02MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
2024-01-08WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-01-10STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-16SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
2024-01-18STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-19STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-01-22RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-01-24STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-25CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2024-01-26MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
2024-01-29STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-30STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-31RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-02-01MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-02-05DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-02-06STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-09STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-12DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-02-13DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2024-02-14STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-26SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
2024-02-27STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-28CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2024-03-04WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
2024-03-05STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-08CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-03-11MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
2024-03-12STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-15CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-03-19STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-03-20STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-03-21CCI LONG ENTRY SHORT CLOSE100 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2024-03-22DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2024-03-25STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-27MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2024-03-28STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).

6.3. Candlestick Patterns

BankFinancial Corporation Daily Candlestick Chart
DateCandlestick Pattern

6.4. Technical Score

Let's check the technical score of BankFinancial Corporation based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5060.004
Ma 20Greater thanMa 5010.176
Ma 50Greater thanMa 10010.299
Ma 100Greater thanMa 2009.916
OpenGreater thanClose10.320
Total3/5 (60.0%)
Penke

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