The growth of the EPS is critical in understanding the current valuation of BankFinancial Corporation. It is typically displayed as a percentage and called the EPS growth rate, which is 8.00%. EPS growth is a vital measure of execution of the strategy for BankFinancial Corporation since it indicates how well the business is allocating resources to benefit shareholders.



BankFinancial Corporation is in the financial services sector and is in the banking industry. The company CEO is F. Morgan Gasior. BankFinancial Corp is a bank holding company of BankFinancial, F.S.B., which is a full-service, community-oriented federal savings bank principally engaged in the business of commercial, family and personal banking.

Previous Intraday Performance:

The BFIN shares had a previous change of 0.00% which opened at 14.94 and closed at 14.93. It moved to an intraday high of 15.20 and a low of 14.84.

SeekingAlpha:  BankFinancial Corporation’s (BFIN) CEO F. Morgan Gasior on Q3 2018 Results – Earnings Call Transcript

Historical Performance:

Over the last five trading days, BFIN shares returned 1.56% and in the past 30 trading days it returned 3.19%. Over three months, it changed -6.50%. In one year it has changed -3.79% and within that year its 52-week high was 18.62 and its 52-week low was 13.88. BFIN stock is 7.56% above its 52 Week Low.

Our calculations result in a 200 day moving average of 16.21 and a 50 day moving average of 14.81. Right now, BFIN stock is trading -7.91% below its 200 day moving average and may not be a great opportunity to buy as it may continue to trend down.

SeekingAlpha:  BankFinancial Corporation’s (BFIN) CEO F. Morgan Gasior on Q3 2018 Results – Earnings Call Transcript

Liquidity:

The company has a market cap of $260.4m with 17.4m shares outstanding and a float of 16.7m shares. Trading volume was 30,503 shares and has experienced an average volume of 49,017 shares. Our calculation, using the current average volume and close price, leads me to believe that the liquidity is bad, highly speculative and an investor may want to avoid this stock.

Earnings:

The last annual reported EPS for BankFinancial Corporation was 0.49 which ended on 31st of December 2017, which according to the previous close, that is a PE of 30.47. Based on 2 analyst estimates, the consensus EPS for the next quarter is 0.21. The trailing twelve month EPS is 0.88, which comes to a trailing twelve month PE of 16.97.

Below was the last reported quarterly earnings per share:
09-30-2018:  0.22
06-30-2018:  0.26
03-31-2018:  0.20
12-31-2017:  0.20

The dividend per share is currently 0.40, which is a dividend yield of 2.68%. Also, the payout ratio is 45.45%, therefore the dividend is safe according to our calculations.



Base on our calculations, the intrinsic value per share is 2.76, which means it might overvalued by -440.04%

Indicators Also to Watch:

Based on the latest filings, there is 3.90% of insider ownership and 71.20% of institutional ownership. Short-interest was 0, which was 0.00% of shares outstanding. The short-interest ratio or days-to-cover ratio was 0.00.

I calculated the beta to be 0.54

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Fundamental Numbers:

Based on last reported financials, the company’s return on equity is 6.59%, return on assets is 0.81%, profit margin is 19.00%, price-to-sales is 3.83 and price-to-book is 1.44.

Company Score Card:

Results are out of six:
 1  : Growth Expectations Result
 6  : Financial Safety Result
 4  : Past Performance Result
 0  : Valuation Result
 3  : Dividend Safety Result
 2  : Overall Result

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Jake McWilliams
I am an independent trader, analyst and algorithmic trading expert, having worked both for the sell side (brokerage) and the buy side (fund administration). I have been trading professionally for about 20 years. I trade stocks and forex and I play both long and short positions in underlying asset or through options. I have experience with discretionary and fully automated systems (Metatrader and Quantshare).

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