$253.4 M

BFIN Mkt cap, 15-Oct-2018

$34.4 M

BankFinancial Revenue Q2, 2018
BankFinancial Net income (Q2, 2018)8.2 M
BankFinancial EBIT (Q2, 2018)26 M
BankFinancial Cash, 30-Jun-201892.2 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

49.4m56.1m55.7m57.5m

Revenue growth, %

13%(1%)3%

Cost of goods sold

3.7m3.0m2.8m4.0m

Gross profit

45.7m53.0m52.8m53.5m

Gross profit Margin, %

93%95%95%93%

Sales and marketing expense

22.8m

R&D expense

2.9m

Operating expense total

25.6m

EBIT

45.7m46.3m46.1m47.0m

EBIT margin, %

93%83%83%82%

Pre tax profit

3.3m9.3m14.1m12.2m

Income tax expense

(31.3m)5.4m4.7m

Net Income

3.3m40.6m8.7m7.5m

Quarterly

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

Revenue

13.6m13.6m14.1m14.1m13.7m13.9m13.9m14.4m14.1m14.5m14.9m15.3m15.7m16.3m34.4m

Cost of goods sold

882.0k812.0k774.0k746.0k686.0k691.0k699.0k856.0k952.0k1.0m1.3m1.5m1.6m

Gross profit

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

Gross profit Margin, %

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

Sales and marketing expense

6.1m6.0m5.6m5.5m5.6m5.3m5.3m6.0m5.7m5.3m6.4m5.1m5.3m5.3m11.1m

R&D expense

817.0k639.0k691.0k674.0k639.0k657.0k686.0k724.0k699.0k707.0k753.0k679.0k638.0k641.0k1.3m

Operating expense total

12.2m11.4m11.0m11.2m10.5m10.0m10.2m10.9m10.5m9.9m11.3m9.6m10.2m10.0m20.2m

Depreciation and amortization

122.0k143.0k

EBIT

11.2m11.3m11.7m11.6m11.5m11.5m11.4m11.9m11.6m11.8m12.1m12.2m12.5m13.0m26.0m

EBIT margin, %

82%83%83%82%84%83%83%83%82%82%81%80%79%80%76%

Pre tax profit

1.0m959.0k1.4m3.6m3.3m3.6m3.9m3.1m1.3m4.1m2.2m4.1m4.2m4.9m10.7m

Income tax expense

17.0k25.0k36.0k1.3m1.4m1.5m1.2m514.0k1.6m322.0k1.6m594.0k1.3m2.5m

Net Income

1.0m942.0k1.4m3.6m2.0m2.2m2.3m1.9m831.0k2.5m1.9m2.6m3.6m3.6m8.2m

BankFinancial Balance Sheet

Annual

USDFY, 2015FY, 2016

Cash

59.4m96.7m

Accounts Receivable

4.2m1.3b

PP&E

32.7m31.4m

Total Assets

1.5b1.6b

Accounts Payable

1.3b

Total Liabilities

1.4b

Additional Paid-in Capital

184.8m173.0m

Retained Earnings

36.1m39.5m

Total Equity

212.4m204.8m

Financial Leverage

7.1 x7.9 x

Quarterly

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

Cash

77.4m61.5m65.9m85.6m100.5m75.5m81.6m125.7m92.6m92.2m

PP&E

33.5m33.1m32.3m32.0m31.9m31.1m30.9m30.8m24.6m24.4m

Total Assets

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

Accounts Payable

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

Total Liabilities

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

Additional Paid-in Capital

186.6m187.0m180.8m178.0m173.2m161.3m158.1m155.5m152.5m145.3m

Retained Earnings

34.1m34.8m37.0m36.8m38.4m40.2m41.5m43.8m45.4m48.4m

Total Equity

211.7m213.1m209.5m206.7m203.7m202.0m200.1m199.8m198.4m194.2m

Financial Leverage

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

BankFinancial Cash Flow

Annual

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

Net Income

3.3m40.6m8.7m7.5m

Depreciation and Amortization

605.0k578.0k550.0k523.0k

Accounts Receivable

3.9m3.9m(300.0k)(155.0k)

Cash From Operating Activities

14.9m18.9m

Purchases of PP&E

(55.0m)

Cash From Financing Activities

38.5m95.4m

Interest Paid

2.8m3.9m

Income Taxes Paid

363.0k289.0k

Quarterly

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

Net Income

1.4m3.6m2.0m4.2m6.6m1.9m2.7m5.2m1.9m4.5m8.0m3.6m8.2m

Depreciation and Amortization

143.0k143.0k142.0k1.8m2.8m939.0k1.9m2.8m958.0k1.9m2.8m916.0k1.7m

Accounts Receivable

3.6m3.7m3.7m3.6m3.8m41.0k(74.0k)(120.0k)226.0k70.0k(97.0k)(107.0k)(188.0k)(281.0k)(86.0k)

Cash From Operating Activities

9.2m12.2m5.0m8.5m12.9m3.4m8.4m14.8m3.7m10.0m

Cash From Investing Activities

27.9m18.0m

Cash From Financing Activities

(30.1m)(39.5m)(2.9m)(15.9m)22.1m(16.8m)731.0k27.1m(66.7m)(63.4m)

Interest Paid

1.4m2.1m766.0k1.7m2.7m1.2m2.7m4.3m1.7m3.7m

Income Taxes Paid

26.0k262.0k60.0k175.0k182.0k1.0k176.0k198.0k43.0k176.0k

BankFinancial Ratios

USDY, 2018

Financial Leverage

8.1 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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