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1. Company Snapshot

1.a. Company Description

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 19 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.

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1.b. Last Insights on BFIN

BankFinancial Corporation's recent performance has been negatively impacted by the announced sale to First Financial Bancorp, with shareholders set to receive 0.48 shares of First Financial common stock per share of BankFinancial. The deal sparked investigations by law firms Halper Sadeh LLC and The Ademi Firm, who are examining whether the sale is fair to shareholders and if there are any breaches of fiduciary duty. The acquisition aims to expand First Financial's presence in the Chicago market, but uncertainty surrounding the deal's terms and potential litigation may weigh on the company's prospects.

1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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BankFinancial (BFIN) Meets Q3 Earnings Estimates

Oct -30

Source: zacks.com

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$HAREHOLDER ALERT: The M&A Class Action Firm Reminds $hareholders of Upcoming Merger Deadlines - MLNK, CCRD, AMWD, and PNFP

Oct -16

Source: globenewswire.com

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First Financial to Acquire BankFinancial, Expands Chicago Presence (Revised)

Aug -19

Source: zacks.com

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New Strong Sell Stocks for August 15th

Aug -18

Source: zacks.com

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First Financial to Acquire BankFinancial, Expands Chicago Presence

Aug -14

Source: zacks.com

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SHAREHOLDER INVESTIGATION: Halper Sadeh LLC Investigates BFIN and WOW on Behalf of Shareholders

Aug -14

Source: globenewswire.com

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BANKFINANCIAL INVESTOR ALERT by the Former Attorney General of Louisiana: Kahn Swick & Foti, LLC Investigates Adequacy of Price and Process in Proposed Sale of BankFinancial Corporation - BFIN

Aug -13

Source: businesswire.com

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SHAREHOLDER INVESTIGATION: Halper Sadeh LLC Investigates BFIN and MRCC on Behalf of Shareholders

Aug -13

Source: globenewswire.com

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (5.00%)

6. Segments

Banking and Related Activities

Expected Growth: 5.0%

BankFinancial Corporation's 5.0% growth in Banking and Related Activities is driven by increasing loan demand, expansion of commercial banking services, and strategic acquisitions. Additionally, improved asset quality, enhanced digital banking capabilities, and a favorable interest rate environment contribute to the segment's growth.

7. Detailed Products

Commercial Banking

BankFinancial Corporation offers a range of commercial banking services, including cash management, treasury management, and commercial lending to businesses of all sizes.

Consumer Banking

BankFinancial Corporation provides personal banking services, including checking and savings accounts, credit cards, and personal loans to individuals.

Mortgage Banking

BankFinancial Corporation offers a variety of mortgage loan options, including fixed-rate and adjustable-rate mortgages, to help individuals and families achieve homeownership.

Wealth Management

BankFinancial Corporation provides investment and wealth management services, including financial planning, investment management, and trust services, to individuals and families.

Treasury Management

BankFinancial Corporation offers treasury management services, including cash management, wire transfers, and account reconciliation, to businesses and organizations.

8. BankFinancial Corporation's Porter Forces

Forces Ranking

Threat Of Substitutes

BankFinancial Corporation operates in a highly competitive industry, and customers have various alternatives to choose from. However, the company's strong brand presence and customer loyalty mitigate the threat of substitutes to some extent.

Bargaining Power Of Customers

BankFinancial Corporation's customers have significant bargaining power due to the availability of alternative banking services. The company needs to focus on customer retention and satisfaction to maintain its market share.

Bargaining Power Of Suppliers

BankFinancial Corporation has a diversified supplier base, which reduces the bargaining power of individual suppliers. The company's strong financial position also gives it an upper hand in negotiations with suppliers.

Threat Of New Entrants

The banking industry has significant barriers to entry, including regulatory hurdles and capital requirements. However, the rise of fintech companies and digital banking platforms poses a moderate threat of new entrants to BankFinancial Corporation.

Intensity Of Rivalry

The banking industry is highly competitive, with many established players competing for market share. BankFinancial Corporation needs to focus on differentiating itself through innovative products and services to maintain its competitive edge.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 22.77%
Debt Cost 4.95%
Equity Weight 77.23%
Equity Cost 6.35%
WACC 6.03%
Leverage 29.48%

11. Quality Control: BankFinancial Corporation passed 3 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

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Growth: 5.9

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Yield: 9.0

Momentum: 7.0

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Quality: 6.1

Yield: 7.0

Momentum: 6.0

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BankFinancial

A-Score: 5.6/10

Value: 4.6

Growth: 3.6

Quality: 4.2

Yield: 8.0

Momentum: 5.0

Volatility: 8.3

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Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

12.17$

Current Price

12.17$

Potential

-0.00%

Expected Cash-Flows