NASDAQ · Financial Statements

BankFinancial Corporation (BFIN) Financial Statements

$12.00 NASDAQ: BFIN Market Cap $149.53M

BankFinancial Corporation most recently reported annual revenue of $74.0M, net profit of $4.0M. Revenue grew at an average annual rate of 0.5% over the last 5 fiscal years. See the full income statement, balance sheet, and cash flow statement below, plus valuation and return ratios.

BankFinancial Corporation: Revenue rose from $56.0M in 2015 to $74.0M in 2024, a change of +32.1% over 9 years; net profit was positive in all 10 reported years; operating margin moved from 25.3% to 6.8%, a shift of -18.5 percentage points; the most recent year shows net profit of $4.0M.

Income Statement — 10 Years (USD millions)

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Revenue	$56.0M	$58.0M	$63.0M	$76.0M	$72.0M	$58.0M	$52.0M	$61.0M	$71.0M	$74.0M
Operating Expenses	$42.0M	$45.0M	$46.0M	$50.0M	$56.0M	$45.0M	$42.0M	$47.0M	$58.0M	$69.0M
Operating Profit	$14.0M	$12.0M	$16.0M	$26.0M	$16.0M	$13.0M	$10.0M	$14.0M	$13.0M	$5.0M
Operating Margin	25.3%	21.2%	25.9%	34.2%	22.2%	21.9%	18.7%	22.6%	17.9%	6.8%
Other Income	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Interest	$3.0M	$4.0M	$6.0M	$9.0M	$13.0M	$7.0M	$3.0M	$4.0M	$14.0M	$20.0M
Depreciation	$4.0M	$4.0M	$4.0M	$2.0M	$2.0M	$2.0M	$2.0M	$1.0M	$2.0M	$0
Profit Before Tax	$14.0M	$12.0M	$16.0M	$26.0M	$16.0M	$13.0M	$10.0M	$14.0M	$13.0M	$5.0M
Tax	$38.5M	$38.5M	$44.4M	$25.7M	$26.6M	$28.2M	$24.1M	$24.1M	$26.3M	$18.9M
Net Profit	$9.0M	$8.0M	$9.0M	$19.0M	$12.0M	$9.0M	$7.0M	$10.0M	$9.0M	$4.0M
EPS	$0.44	$0.39	$0.49	$1.11	$0.75	$0.61	$0.53	$0.80	$0.74	$0.33
Dividend Payout	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%

Quarterly Results — Last 12 Quarters (USD millions)

8 duplicate period labels in the source data were collapsed.

Metric	Dec '22	Mar '23	Jun '23	Sep '23	Dec '23	Mar '24	Jun '24	Sep '24	Dec '24	Mar '25	Jun '25	Sep '25
Revenue	$17.0M	$17.0M	$17.0M	$18.0M	$19.0M	$19.0M	$19.0M	$18.0M	$18.0M	$18.0M	$18.0M	$18.0M
Operating Expenses	$13.0M	$14.0M	$14.0M	$15.0M	$16.0M	$17.0M	$16.0M	$16.0M	$21.0M	$15.0M	$19.0M	$16.0M
Operating Profit	$5.0M	$3.0M	$3.0M	$3.0M	$3.0M	$2.0M	$3.0M	$3.0M	$-3.0M	$3.0M	$-1.0M	$3.0M
Operating Margin	26.4%	20.4%	18.1%	18.0%	15.4%	11.8%	15.0%	14.0%	-14.2%	14.0%	-4.8%	15.3%
Interest	$2.0M	$3.0M	$3.0M	$4.0M	$4.0M	$5.0M	$5.0M	$5.0M	$5.0M	$5.0M	$5.0M	$5.0M
Profit Before Tax	$5.0M	$3.0M	$3.0M	$3.0M	$3.0M	$2.0M	$3.0M	$3.0M	$-3.0M	$3.0M	$-1.0M	$3.0M
Tax	$25.5M	$24.2M	$26.6M	$27.5M	$27.3M	$22.6M	$24.8M	$22.6M	$32.2M	$17.2M	$59.0M	$16.6M
Net Profit	$3.0M	$3.0M	$2.0M	$2.0M	$2.0M	$2.0M	$2.0M	$2.0M	$-2.0M	$2.0M	$0	$2.0M
EPS	$0.27	$0.21	$0.18	$0.19	$0.17	$0.14	$0.17	$0.16	$-0.14	$0.17	$-0.03	$0.19

Over the 10 years reported for BankFinancial Corporation, borrowings decreased from $64.0M in 2015 to $39.0M in 2024, cash stood at $119.0M in the latest year, shareholders' equity was $0, current assets covered current liabilities 0.35 times.

Balance Sheet — 10 Years (USD millions)

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Total Assets	$1.5B	$1.6B	$1.6B	$1.6B	$1.5B	$1.6B	$1.7B	$1.6B	$1.5B	$1.4B
Current Assets	$178.0M	$208.0M	$226.0M	$191.0M	$255.0M	$531.0M	$593.0M	$284.0M	$369.0M	$421.0M
Cash	$59.0M	$97.0M	$128.0M	$98.0M	$190.0M	$503.0M	$502.0M	$67.0M	$208.0M	$119.0M
Inventory	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Receivables	$4.0M	$4.0M	$5.0M	$5.0M	$5.0M	$4.0M	$5.0M	$7.0M	$8.0M	$6.0M
Fixed Assets	$33.0M	$31.0M	$25.0M	$25.0M	$24.0M	$25.0M	$25.0M	$25.0M	$23.0M	$23.0M
Capital Work in Progress	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Investments	$1.3B	$1.4B	$1.4B	$1.4B	$1.2B	$1.0B	$1.1B	$1.4B	$1.2B	$1.2B
Other Assets	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Total Liabilities	$1.3B	$1.4B	$1.4B	$1.4B	$1.3B	$1.4B	$1.5B	$1.4B	$1.3B	$1.3B
Current Liabilities	$1.2B	$1.4B	$1.4B	$1.4B	$1.3B	$1.4B	$1.5B	$1.4B	$1.3B	$1.2B
Borrowings	$64.0M	$51.0M	$61.0M	$21.0M	$0	$8.0M	$25.0M	$20.0M	$45.0M	$39.0M
Other Liabilities	$1.2B	$1.4B	$1.4B	$1.4B	$1.3B	$1.4B	$1.5B	$1.4B	$1.3B	$1.2B
Equity	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Reserves	$212.0M	$205.0M	$198.0M	$187.0M	$174.0M	$173.0M	$157.0M	$152.0M	$155.0M	$156.0M

For BankFinancial Corporation, operating cash flow was positive in 10 of 10 reported years; free cash flow in the latest year was $5.0M; free cash flow was positive in 10 of 10 years; financing activities used $44.0M in the latest year, which covers debt repayment, dividends and buybacks.

Cash Flow Statement — 10 Years (USD millions)

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Operating Cash Flow	$15.0M	$19.0M	$23.0M	$21.0M	$21.0M	$14.0M	$8.0M	$9.0M	$9.0M	$8.0M
Investing Cash Flow	$-54.0M	$-78.0M	$13.0M	$6.0M	$183.0M	$197.0M	$-103.0M	$-319.0M	$196.0M	$-48.0M
Financing Cash Flow	$-9.0M	$113.0M	$-11.0M	$-12.0M	$-86.0M	$103.0M	$77.0M	$-118.0M	$-115.0M	$-44.0M
Net Cash Flow	$0	$37.0M	$31.0M	$-29.0M	$92.0M	$313.0M	$-1.0M	$-435.0M	$112.0M	$-94.0M
Free Cash Flow	$14.0M	$18.0M	$22.0M	$19.0M	$21.0M	$12.0M	$5.0M	$7.0M	$7.0M	$5.0M

Valuation & Return Ratios

Metric	Value
PEG Ratio	-0.52
EV / EBITDA	—
FCF Yield	—
Quick Ratio	—
Interest Coverage	—
Return 1Y	—
Return 3Y	—
Return 5Y	—

BankFinancial Corporation (BFIN) financials — frequently asked questions

What is BankFinancial Corporation's annual revenue?

BankFinancial Corporation (BFIN) reported annual revenue of $74.0M in its most recent fiscal year.

What is BankFinancial Corporation's net profit?

BankFinancial Corporation (BFIN) reported net profit of $4.0M in its most recent fiscal year.

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