$240.8 M

BFIN Mkt cap, 22-Jan-2019

$16.9 M

BankFinancial Revenue Q3, 2018
BankFinancial Net income (Q3, 2018)3.7 M
BankFinancial EBIT (Q3, 2018)13 M
BankFinancial Cash, 30-Sep-201886.9 M

BankFinancial Revenue

BankFinancial revenue was $62.59 m in FY, 2017

Embed Graph

BankFinancial Income Statement

Annual

USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017

Revenue

57.5m56.1m55.7m57.5m62.6m

Revenue growth, %

13%(1%)3%

Cost of goods sold

3.7m3.0m2.8m4.0m6.1m

Gross profit

53.9m53.0m52.8m53.5m56.5m

Gross profit Margin, %

94%95%95%93%90%

Sales and marketing expense

26.2m22.2m22.8m21.8m

R&D expense

3.1m2.7m2.9m2.7m

Operating expense total

51.3m41.9m41.5m40.4m

Depreciation and amortization

605.0k550.0k523.0k496.0k

EBIT

45.7m46.3m46.1m47.0m50.1m

EBIT margin, %

80%83%83%82%80%

Pre tax profit

3.3m9.3m14.1m12.2m16.2m

Income tax expense

(31.3m)5.4m4.7m7.2m

Net Income

3.3m40.6m8.7m7.5m9.0m

Quarterly

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

Revenue

13.6m13.6m14.1m14.1m13.7m13.9m13.9m14.4m14.1m14.5m14.9m15.3m15.7m16.3m18.1m16.9m

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

6.1m6.0m5.6m5.5m5.6m5.3m5.3m6.0m5.7m5.3m6.4m5.1m5.3m5.3m5.8m5.1m

R&D expense

817.0k639.0k691.0k674.0k639.0k657.0k686.0k724.0k699.0k707.0k753.0k679.0k638.0k641.0k708.0k717.0k

Operating expense total

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

Depreciation and amortization

149.0k136.0k136.0k136.0k129.0k129.0k129.0k122.0k123.0k122.0k21.0k20.0k

EBIT

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

EBIT margin, %

82%83%83%82%84%83%83%83%82%82%81%80%79%80%72%77%

Pre tax profit

1.0m959.0k1.4m3.6m3.3m3.6m3.9m3.1m1.3m4.1m2.2m4.1m4.2m4.9m5.8m5.1m

Income tax expense

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

Net Income

1.0m942.0k1.4m3.6m2.0m2.2m2.3m1.9m831.0k2.5m1.9m2.6m3.6m3.6m4.6m3.7m

BankFinancial Balance Sheet

Annual

USDFY, 2013FY, 2015FY, 2016FY, 2017

Cash

161.0m59.4m96.7m127.6m

Accounts Receivable

1.1b1.2b1.3b1.3b

Inventories

PP&E

35.3m32.7m31.4m24.9m

Total Assets

1.5b1.5b1.6b1.6b

Accounts Payable

1.3b1.2b1.3b1.3b

Short-term debt

Long-term debt

Total Debt

Total Liabilities

1.3b1.3b1.4b1.4b

Additional Paid-in Capital

193.6m184.8m173.0m153.8m

Retained Earnings

(7.3m)36.1m39.5m43.3m

Total Equity

175.6m212.4m204.8m197.6m

Financial Leverage

8.3 x7.1 x7.9 x8.2 x

BankFinancial Cash Flow

Annual

USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017

Net Income

3.3m40.6m8.7m7.5m9.0m

Depreciation and Amortization

605.0k578.0k3.7m3.8m3.8m

Accounts Receivable

3.9m3.9m(300.0k)(155.0k)(238.0k)

Inventories

Accounts Payable

Cash From Operating Activities

14.9m18.9m22.7m

Purchases of PP&E

(55.0m)(23.5m)

Cash From Investing Activities

(53.6m)(77.0m)14.4m

Cash From Financing Activities

38.5m95.4m(6.2m)

Interest Paid

2.8m3.9m6.0m

Income Taxes Paid

363.0k289.0k427.0k

Quarterly

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

Net Income

1.4m3.6m2.0m4.2m6.6m1.9m2.7m5.2m1.9m4.5m8.0m3.6m8.2m11.9m

Depreciation and Amortization

143.0k143.0k142.0k1.8m2.8m939.0k1.9m2.8m958.0k1.9m2.8m916.0k1.7m2.5m

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)(355.0k)

Cash From Operating Activities

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

Cash From Investing Activities

38.8m29.1m4.5m33.6m6.2m(7.7m)(24.2m)(12.9m)27.9m18.0m46.7m

Cash From Financing Activities

(30.1m)(39.5m)(2.9m)(15.9m)22.1m(16.8m)731.0k27.1m(66.7m)(63.4m)(101.8m)

Interest Paid

1.4m2.1m766.0k1.7m2.7m1.2m2.7m4.3m1.7m3.7m6.0m

Income Taxes Paid

26.0k262.0k60.0k175.0k182.0k1.0k176.0k198.0k43.0k176.0k250.0k

BankFinancial Ratios

USDY, 2018

Financial Leverage

8 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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BankFinancial Employee Rating

2.626 votes
Culture & Values
2.6
Work/Life Balance
3.2
Senior Management
2.2
Salary & Benefits
2.1
Career Opportunities
2.2
Source