BankFinancial Financials

$15.7 M

Revenue Q3, 2017

$308.9 M

Mkt cap, 18-Apr-2018
Gross profit (Q3, 2017)14.1 M
Gross profit margin (Q3, 2017), %89.7%
Net income (Q3, 2017)3.6 M
EBIT (Q3, 2017)12.5 M
Cash, 30-Sep-2017125.7 M

Revenue/Financials

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, 2017

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 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 m

R&D expense

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

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 m

EBIT margin, %

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

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 m

Income tax expense

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

Net Income

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

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, 2017

Cash

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

PP&E

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

Total Assets

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

Accounts Payable

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

Total Liabilities

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

Additional Paid-in Capital

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

Retained Earnings

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

Total Equity

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

Financial Leverage

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

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, 2017

Net Income

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

Depreciation and Amortization

143 k143 k142 k1.8 m2.8 m939 k1.9 m2.8 m958 k1.9 m2.8 m

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)

Cash From Operating Activities

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

Interest Paid

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

Income Taxes Paid

26 k262 k60 k175 k182 k1 k176 k198 k

Ratios

USDY, 2017

Revenue/Employee

66.2 k

Financial Leverage

8.3 x
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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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