$310.3 M

BFIN Mkt cap, 18-Jul-2018

$16.3 M

BankFinancial Revenue Q1, 2018
BankFinancial Net income (Q1, 2018)3.6 M
BankFinancial EBIT (Q1, 2018)13 M
BankFinancial Cash, 31-Mar-201892.6 M

BankFinancial Revenue

BankFinancial revenue was $57.47 m in FY, 2016 which is a 3.3% year over year increase from the previous period.

Embed Graph

BankFinancial Income Statement

Annual

USDFY, 2013FY, 2014FY, 2015FY, 2016

Revenue

49.4 m56.1 m55.7 m57.5 m

Revenue growth, %

13%(1%)3%

Cost of goods sold

3.7 m3 m2.8 m4 m

Gross profit

45.7 m53 m52.8 m53.5 m

Gross profit Margin, %

93%95%95%93%

Sales and marketing expense

22.8 m

R&D expense

2.9 m

Operating expense total

25.6 m

EBIT

45.7 m46.3 m46.1 m47 m

EBIT margin, %

93%83%83%82%

Pre tax profit

3.3 m9.3 m14.1 m12.2 m

Income tax expense

(31.3 m)5.4 m4.7 m

Net Income

3.3 m40.6 m8.7 m7.5 m

Quarterly

USDQ3, 2013Q1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017Q1, 2018

Revenue

13.6 m13.6 m14.1 m14.1 m13.7 m13.9 m13.9 m14.4 m14.1 m14.5 m14.9 m15.3 m15.7 m16.3 m

Cost of goods sold

882 k812 k774 k746 k686 k691 k699 k856 k952 k1 m1.3 m1.5 m1.6 m

Gross profit

12.8 m12.8 m13.4 m13.4 m13.1 m13.2 m13.2 m13.5 m13.2 m13.5 m13.6 m13.8 m14.1 m

Gross profit Margin, %

94%94%95%95%95%95%95%94%93%93%91%90%90%

Sales and marketing expense

6.1 m6 m5.6 m5.5 m5.6 m5.3 m5.3 m6 m5.7 m5.3 m6.4 m5.1 m5.3 m5.3 m

R&D expense

817 k639 k691 k674 k639 k657 k686 k724 k699 k707 k753 k679 k638 k641 k

Operating expense total

12.2 m11.4 m11 m11.2 m10.5 m10 m10.2 m10.9 m10.5 m9.9 m11.3 m9.6 m10.2 m10 m

Depreciation and amortization

122 k

EBIT

11.2 m11.3 m11.7 m11.6 m11.5 m11.5 m11.4 m11.9 m11.6 m11.8 m12.1 m12.2 m12.5 m13 m

EBIT margin, %

82%83%83%82%84%83%83%83%82%82%81%80%79%80%

Pre tax profit

1 m959 k1.4 m3.6 m3.3 m3.6 m3.9 m3.1 m1.3 m4.1 m2.2 m4.1 m4.2 m4.9 m

Income tax expense

17 k25 k36 k1.3 m1.4 m1.5 m1.2 m514 k1.6 m322 k1.6 m594 k1.3 m

Net Income

1 m942 k1.4 m3.6 m2 m2.2 m2.3 m1.9 m831 k2.5 m1.9 m2.6 m3.6 m3.6 m

BankFinancial Balance Sheet

Annual

USDFY, 2015FY, 2016

Cash

59.4 m96.7 m

Accounts Receivable

4.2 m1.3 b

PP&E

32.7 m31.4 m

Total Assets

1.5 b1.6 b

Accounts Payable

1.3 b

Total Liabilities

1.4 b

Additional Paid-in Capital

184.8 m173 m

Retained Earnings

36.1 m39.5 m

Total Equity

212.4 m204.8 m

Financial Leverage

7.1 x7.9 x

Quarterly

USDQ2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017Q1, 2018

Cash

77.4 m61.5 m65.9 m85.6 m100.5 m75.5 m81.6 m125.7 m92.6 m

PP&E

33.5 m33.1 m32.3 m32 m31.9 m31.1 m30.9 m30.8 m24.6 m

Total Assets

1.4 b1.4 b1.5 b1.5 b1.5 b1.6 b1.6 b1.7 b1.6 b

Accounts Payable

1.2 b1.2 b1.3 b1.3 b1.3 b1.3 b1.3 b1.4 b1.3 b

Total Liabilities

1.2 b1.2 b1.3 b1.3 b1.3 b1.4 b1.4 b1.5 b1.4 b

Additional Paid-in Capital

186.6 m187 m180.8 m178 m173.2 m161.3 m158.1 m155.5 m152.5 m

Retained Earnings

34.1 m34.8 m37 m36.8 m38.4 m40.2 m41.5 m43.8 m45.4 m

Total Equity

211.7 m213.1 m209.5 m206.7 m203.7 m202 m200.1 m199.8 m198.4 m

Financial Leverage

6.8 x6.7 x7.2 x7.3 x7.6 x7.9 x8.1 x8.3 x7.9 x

BankFinancial Cash Flow

Annual

USDFY, 2013FY, 2014FY, 2015FY, 2016

Net Income

3.3 m40.6 m8.7 m7.5 m

Depreciation and Amortization

605 k578 k550 k523 k

Accounts Receivable

3.9 m3.9 m(300 k)(155 k)

Cash From Operating Activities

14.9 m18.9 m

Purchases of PP&E

(55 m)

Cash From Financing Activities

38.5 m95.4 m

Interest Paid

2.8 m3.9 m

Income Taxes Paid

363 k289 k

Quarterly

USDQ3, 2013Q1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017Q1, 2018

Net Income

1.4 m3.6 m2 m4.2 m6.6 m1.9 m2.7 m5.2 m1.9 m4.5 m8 m3.6 m

Depreciation and Amortization

143 k143 k142 k1.8 m2.8 m939 k1.9 m2.8 m958 k1.9 m2.8 m916 k

Accounts Receivable

3.6 m3.7 m3.7 m3.6 m3.8 m41 k(74 k)(120 k)226 k70 k(97 k)(107 k)(188 k)(281 k)

Cash From Operating Activities

9.2 m12.2 m5 m8.5 m12.9 m3.4 m8.4 m14.8 m3.7 m

Cash From Investing Activities

27.9 m

Cash From Financing Activities

(30.1 m)(39.5 m)(2.9 m)(16 m)22.1 m(16.8 m)731 k27.1 m(66.7 m)

Interest Paid

1.4 m2.1 m766 k1.7 m2.7 m1.2 m2.7 m4.3 m1.7 m

Income Taxes Paid

26 k262 k60 k175 k182 k1 k176 k198 k43 k

BankFinancial Ratios

USDY, 2018

Financial Leverage

7.9 x
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BankFinancial Operating Metrics

BankFinancial's Total Loans was reported to be $1.3b in FY, 2016.
FY, 2014FY, 2015FY, 2016

Bank Branches

19 19 19

Non-accrual Loans

$12.21 m$3.57 m$3.30 m

Total Loans

$1.17 b$1.23 b$1.31 b
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