BankFinancial CORP
BFINFinancials · Financials · Non-accelerated filer<br>Smaller reporting company · SEC filings ↗ · Compare ⊕
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SEC XBRL · annual| FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | |
|---|---|---|---|---|---|---|
| Revenue | $3.4M | $3.3M | $3.3M | $3.2M | $3.2M | $3.8M |
| Operating income | — | — | — | — | — | — |
| Net income | $4.1M | $9.4M | $10.5M | $7.4M | $9.2M | $3.6M |
| Total assets | $1.43B | $1.49B | $1.58B | $1.70B | $1.60B | $1.49B |
| Total liabilities | $1.28B | $1.33B | $1.42B | $1.54B | $1.42B | $1.31B |
| Equity | $156.4M | $155.4M | $151.7M | $157.5M | $172.9M | $174.4M |
| EPS (diluted) | $0.33 | $0.74 | $0.80 | $0.53 | — | $0.22 |
| Shares out. | 12.5M | 12.7M | 13.2M | 14.7M | 15.2M | 16.5M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2024- Operating margin
- —
- Net margin
- 118.6%
- Return on equity
- 2.6%
- Return on assets
- 0.3%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 89.1%
- Debt / equity
- 8.18×
- Book value / share
- $12.55
- Revenue growth (YoY)
- 3.5%
- Net income growth (YoY)
- −56.6%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2024- Accruals / assets
- −0.2%clean
- Piotroski F-Score
- 6/7mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →
Signs
● 1 warning● 3 good- High leverage (liabilities > 70% of assets)
- Revenue is growing year-over-year
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Dimensional Fund Advisors LpPassive (13G)Apr 9, 2026
- Renaissance Technologies LlcPassive (13G)Feb 12, 2026
- M3 Partners LpPassive (13G)Feb 4, 2026
- Alliancebernstein L.P.Passive (13G)Nov 14, 2025
- Vanguard Group IncPassive (13G)Jul 29, 2025
- Blackrock, Inc.Passive (13G)Jul 17, 2025
- Bankfinancial & Subsidiaries Assoc. Investment PlanPassive (13G)Feb 7, 2025
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| O'Connor Aaron JDirector | Feb 8, 2024 | Buy | 1,000 | $10.38 |
| O'Connor Aaron J | May 10, 2023 | Buy | 500 | $7.42 |
| O'Connor Aaron J | Feb 22, 2023 | Buy | 1,000 | $10.32 |
| Zukonik DebraDirector | Jun 24, 2021 | Buy | 3,650 | $10.85 |
| Wherfel GlenDirector | Dec 9, 2020 | Buy | 25 | $8.68 |
| Manos John GOfficer — President - Affiliate | Jun 25, 2020 | Buy | 6,600 | $8.02 |
| Oneill Thomas FDirector | May 26, 2020 | Buy | 900 | $8.60 |
| Oneill Thomas FDirector | Aug 6, 2019 | Sell | 2,900 | $12.19 |
| Palmer John WDirector | Feb 27, 2019 | D | 381,000 | $15.36 |
| Hausmann John MDirector | Jun 22, 2018 | Sell | 20 | $18.32 |
| Doolan Elizabeth AOfficer — SVP & Principal Accg. Officer | Jun 19, 2018 | I | 7,915.482 | $17.99 |
| Doolan Elizabeth AOfficer — SVP & Principal Accg. Officer | Jun 5, 2018 | I | 6,284.047 | $18.05 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| Dec 31, 2025 | 252,944 | 6.3 | -24.9% |
| Dec 15, 2025 | 336,626 | 5.0 | +17.2% |
| Nov 28, 2025 | 287,228 | 7.3 | -1.4% |
| Nov 14, 2025 | 291,209 | 13.0 | +25.6% |
| Oct 31, 2025 | 231,921 | 14.0 | -6.3% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Completed an acquisition or disposition · Delisting / listing-standard notice · Modified shareholder rights · Change in control · Director / officer change · Amended charter or bylawsJan 2, 2026
- Shareholder voteDec 18, 2025
- Other material eventDec 5, 2025
- Director / officer changeNov 10, 2025
- Other material eventOct 30, 2025
- Other material eventOct 30, 2025
- Director / officer changeAug 14, 2025
- Entered a material agreement · Regulation FD disclosureAug 11, 2025
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗- SCHEDULE 13G/AApr 9, 2026
- SCHEDULE 13G/AFeb 12, 2026
- SCHEDULE 13G/AFeb 4, 2026
- SCHEDULE 13G/AJan 21, 2026
- 15-12GFORM 15-12GJan 12, 2026
- EFFECTJan 6, 2026
- POS AMJan 6, 2026
- S-8 POSFORM S-8 POSJan 6, 2026
- 25-NSEJan 2, 2026
- 8-KFORM 8-KJan 2, 2026
- 8-KFORM 8-KDec 18, 2025
- 8-KFORM 8-KDec 5, 2025
- SCHEDULE 13G/ANov 14, 2025
- SCHEDULE 13G/ANov 14, 2025
- 8-KFORM 8-KNov 10, 2025
Event-driven situations (1)
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