BankFinancial Corp. (BFIN) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

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BankFinancial Corp.

Why is BankFinancial Corp. ?

With a Operating Losses, the company has a Weak Long Term Fundamental Strength

A low provision coverage ratio signifies the bank has not recognized and created adeqaute reserves to cover its non perfoming loans

The company has declared Negative results for the last 3 consecutive quarters

OPERATING CASH FLOW(Y) Lowest at USD 9.04 MM
PRE-TAX PROFIT(Q) At USD -0.88 MM has Fallen at -130.86%
NET PROFIT(Q) At USD -0.36 MM has Fallen at -116.82%

With ROA of 0.26%, it has a expensive valuation with a 0.93 Price to Book Value

Over the past year, while the stock has generated a return of -7.67%, its profits have fallen by -47.9%

Below par performance in long term as well as near term

Along with generating -7.67% returns in the last 1 year, the stock has also underperformed S&P 500 in the last 3 years, 1 year and 3 months

Real-Time Research Report

Verdict Report

How much should you sell?

All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is BankFinancial Corp. for you?

Low Risk, Medium Return

Absolute

Risk Adjusted

Volatility

BankFinancial Corp.

-12.26%

0.74

28.51%

S&P 500

13.22%

0.61

20.17%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

1.86%

EBIT Growth (5y)

-13.79%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

122.40%

Pledged Shares

Institutional Holding

58.01%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.93

EV to EBIT

-1.04

EV to EBITDA

-1.23

EV to Capital Employed

-1.32

EV to Sales

-0.10

PEG Ratio

Dividend Yield

345.42%

ROCE (Latest)

Negative Capital Employed

ROE (Latest)

2.80%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bearish

Mildly Bearish

RSI

No Signal

Bollinger Bands

Bullish

Sideways

Moving Averages

Mildly Bearish (Daily)

KST

Bearish

Mildly Bearish

Dow Theory

Mildly Bullish

No Trend

OBV

No Trend

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

2What is working for the Company

GROSS NPA (%)

-25What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD 9.04 MM

PRE-TAX PROFIT(Q)

At USD -0.88 MM has Fallen at -130.86%

NET PROFIT(Q)

At USD -0.36 MM has Fallen at -116.82%

CREDIT DEPOSIT RATIO(HY)

Lowest at 66.23%

NET SALES(Q)

Lowest at USD 16.13 MM

NII(Q)

Lowest at USD 11.27 MM

DIVIDEND PAYOUT RATIO(Y)

Lowest at 0%

Here's what is working for BankFinancial Corp.

Non Performing Loans (%)

Lowest at 1.15%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are falling

Non Performing Loans (%)

CASA

Highest at 20.66%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.

CAR (%)

Here's what is not working for BankFinancial Corp.

Pre-Tax Profit

At USD -0.88 MM has Fallen at -130.86%

Year on Year (YoY)

MOJO Watch

Near term Pre-Tax Profit trend is very negative

Pre-Tax Profit (USD MM)

Net Profit

At USD -0.36 MM has Fallen at -116.82%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is very negative

Net Profit (USD MM)

Operating Cash Flow

Lowest at USD 9.04 MM and Fallen

In each year in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Net Sales

Lowest at USD 16.13 MM and Fallen

In each period in the last five periods

MOJO Watch

Near term sales trend is very negative

Net Sales (USD MM)

NII

Lowest at USD 11.27 MM

in the last five periods

MOJO Watch

The bank's income from core business is falling

NII (USD MM)

Credit Deposit Ratio

Lowest at 66.23% and Fallen

In each half year in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)

Dividend Payout Ratio

Lowest at 0%

in the last five years

MOJO Watch

Company is distributing lower proportion of profits generated as dividend

DPR (%)