BankFinancial Corporation Financial Ratios — BFIN Stock

Profitability (USD)

	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Return on Common Equity (%)	-5.62	-108.64	- -	- -	- -	25.47	19.74	21.66	38.77	19.77	14.47	11.26	15.14	12.82	5.5
Return on Assets (%)	-0.28	-3.15	-1.78	0.22	2.78	0.58	0.48	0.55	1.2	0.76	0.59	0.45	0.64	0.61	0.28
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	10.97	9.15	8.53	9.66	8.53	8.25	8.23	7.78	2.71	3.01	3.49	4.19	2.22	2.71	0.3
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	-11.88	-51	-42.04	6.1	17.49	26.61	22.75	28.66	38.96	27.24	24.9	19.73	24.36	22.44	9.26
Profit Margin (%)	-7.25	-68.37	-42.04	6.1	76.41	16.37	13.99	15.94	28.93	20	17.88	14.98	18.48	16.53	7.51
Net Income to Common Margin (%)	-7.25	-68.37	-42.04	6.1	76.41	16.37	13.99	15.94	28.93	20	17.88	14.98	18.48	16.53	7.51
Effective Tax Rate (%)	- -	- -	- -	- -	- -	38.48	38.51	44.4	25.74	26.58	28.19	24.06	24.15	26.34	18.88
Dvd Payout Ratio (%)	-138.05	-9.52	-2.34	25.59	4.16	47.78	55.09	57.23	33.34	53.68	65.28	75.83	49.85	53.83	122.42
Sustainable Growth Rate (%)	-13.38	-118.98	- -	- -	- -	13.3	8.87	9.27	25.84	9.16	5.02	2.72	7.59	5.92	-1.23

Credit (USD)

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	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Total Debt	24	3	3	- -	23	64	51	61	21	- -	8	25	20	45	39
ST Debt	- -	- -	3	- -	10	- -	- -	- -	- -	- -	4	5	- -	- -	- -
LT Debt	24	3	- -	- -	13	64	51	61	21	- -	4	20	20	45	39
Total Debt/EBITDA	3.65	0.46	0.55	- -	5.06	14.71	11.58	13.83	11.61	0.03	4.47	11.87	15.56	28.99	237.64
Net Debt/EBITDA	-30.26	-18.07	-49.6	-30.8	-8.09	1.13	-10.34	-15.21	-42.56	-108.17	-276.66	-230.49	-37.35	-105.98	-492.33
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	4.67	1.16	-0.65	-0.49	2.17	2.4	2.45	2.67	3.55	4.15	4.06	3.92	4.57	5.01	5.13
Long-Term Debt/Equity (%)	9.38	1.5	- -	- -	5.98	30.29	24.94	30.75	11.25	0.03	2.31	12.44	12.95	28.75	24.77
Long-Term Debt/Capital (%)	24.94	14.18	- -	- -	23.61	63.91	56.28	58.31	27.2	0.1	5.49	21.46	21.44	37.47	34.47
Long-Term Debt/Total Assets (%)	1.55	0.19	- -	- -	0.88	4.25	3.15	3.74	1.33	- -	0.25	1.15	1.25	3	2.7
Total Debt/Equity (%)	9.38	1.5	1.74	- -	10.61	30.29	24.94	30.75	11.25	0.03	4.63	15.62	12.95	28.75	24.77
Total Debt/Capital (%)	24.94	14.18	-45.56	- -	41.89	63.91	56.28	58.31	27.2	0.1	10.97	26.94	21.44	37.47	34.47
Total Debt/Total Assets (%)	1.55	0.19	0.2	- -	1.56	4.25	3.15	3.74	1.33	- -	0.5	1.45	1.25	3	2.7
Net Debt to Equity	-77.8	-58.89	-157.77	-91.65	-16.96	2.33	-22.28	-33.81	-41.23	-109.11	-286.53	-303.29	-31.08	-105.11	-51.32
Net Debt/Capital (%)	156.93	118.24	96.61	95.76	753.55	11.98	767.93	285.93	370.53	148.02	115.07	116.23	-190.08	183.98	1,213.87
EBITDA	7	7	5	5	5	4	4	4	2	2	2	2	1	2	- -
EBITDA-CapEx	5	4	3	5	3	4	4	3	- -	1	- -	- -	-1	- -	-2
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	4.67	1.16	-0.65	-0.49	2.17	2.4	2.45	2.67	3.55	4.15	4.06	3.92	4.57	5.01	5.13
Long-Term Debt/Equity (%)	9.38	1.5	- -	- -	5.98	30.29	24.94	30.75	11.25	0.03	2.31	12.44	12.95	28.75	24.77
Long-Term Debt/Capital (%)	24.94	14.18	- -	- -	23.61	63.91	56.28	58.31	27.2	0.1	5.49	21.46	21.44	37.47	34.47
Long-Term Debt/Total Assets (%)	1.55	0.19	- -	- -	0.88	4.25	3.15	3.74	1.33	- -	0.25	1.15	1.25	3	2.7
Total Debt/Equity (%)	9.38	1.5	1.74	- -	10.61	30.29	24.94	30.75	11.25	0.03	4.63	15.62	12.95	28.75	24.77
Total Debt/Capital (%)	24.94	14.18	-45.56	- -	41.89	63.91	56.28	58.31	27.2	0.1	10.97	26.94	21.44	37.47	34.47
Total Debt/Total Assets (%)	1.55	0.19	0.2	- -	1.56	4.25	3.15	3.74	1.33	- -	0.5	1.45	1.25	3	2.7
CFO/Total Liabilities	1.95	1.47	1.3	0.77	1.43	1.14	1.34	1.59	1.48	1.63	0.95	0.5	0.65	0.69	0.59
CFO/CapEx	23.31	8.43	7.29	977.9	15.17	27.46	27.21	20.06	12.86	26.78	6.73	3.33	4.78	4.92	3.61
Altman's Z-Score	0.2	0.11	0.1	0.12	0.18	0.18	0.19	0.19	0.2	0.19	0.14	0.14	0.16	0.17	0.18

Working Capital (USD)

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	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Accounts Receivable Turnover	10.32	12.99	13.27	13.39	13.53	13	12.46	12.56	13.97	12.27	12.05	11.52	9.48	7.64	7.78
Days Sales Outstanding	35.35	28.09	27.51	27.26	26.98	28.08	29.3	29.07	26.13	29.75	30.28	31.69	38.52	47.78	46.91
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Market Capitalization	192	109	148	183	239	249	278	282	261	204	132	149	138	130	157
- Cash & Cash Equivalents	221	121	276	161	60	59	97	128	98	190	503	502	67	208	119
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	24	3	3	- -	23	64	51	61	21	- -	8	25	20	45	39
Enterprise Value	-5	-9	-125	22	81	139	125	122	95	-47	-387	-414	-119	-186	-219
Total Capital	95	21	-7	-7	55	101	91	104	77	62	73	91	92	119	112
Total Debt/Capital (%)	24.94	14.18	-45.56	- -	41.89	63.91	56.28	58.31	27.2	0.1	10.97	26.94	21.44	37.47	34.47
Total Debt / EV	-4.45	-0.35	-0.02	- -	0.28	0.46	0.41	0.5	0.22	- -	-0.02	-0.06	-0.16	-0.24	-0.18
EV/Sales	- -	- -	- -	0.41	1.53	2.63	2.33	2.15	1.42	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	4.29	17.98	31.84	28.36	27.69	52.49	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	2.29	4.57	9.35	6.61	5.35	4.6	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	2.29	4.28	9.02	6.37	5.1	4.27	- -	- -	- -	- -	- -	- -
Diluted Market Cap	192	109	148	183	239	249	285	282	261	204	132	149	138	130	157
Diluted Enterprise Value	-5	-9	-125	22	203	254	239	215	183	13	-364	-328	91	-33	76
EV per Share	- -	- -	- -	1.12	4.04	7.06	6.67	6.62	5.46	- -	- -	- -	- -	- -	- -
TTM Sales	59	71	64	54	53	53	54	56	67	58	51	49	57	57	54
TTM EBITDA	7	7	5	5	5	4	4	4	2	2	2	2	1	2	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	25	20	17	10	18	15	19	23	21	21	14	8	9	9	8
TTM Free Cash Flow to Firm	26	22	19	10	19	15	20	24	22	22	16	10	11	11	10

Multiples (USD)

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	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Price/Free Cash Flow	7.39	4.88	7.64	18.74	12.59	16.14	14.52	11.81	11.69	9.18	8.5	14.77	12.29	11.74	16.23
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-5	-9	-125	22	81	139	125	122	95	-47	-387	-414	-119	-186	-219
Low Price	8.12	5.26	5.25	7.19	9.06	11.07	11.38	13.13	13.88	11.1	6.73	8.48	9.06	7.17	9.6
EV/Sales	- -	- -	- -	0.41	1.53	2.63	2.33	2.15	1.42	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	4.29	17.98	31.84	28.36	27.69	52.49	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	55.61	5.89	28.7	37.05	31.31	13.47	17.44	14.39	20.13	13.16	13.86	38.48
Price/Earnings Average	-42.4	-3.26	-5.19	51.57	5.18	27.88	31.49	31.04	14.58	18.39	14.32	20.24	12.57	12.03	33.59
Price/Earnings High	-46.39	-4.1	-6.79	59.13	6.05	30.95	37.8	34.69	16.77	21.41	21.77	24.13	14.09	14.54	42.33
Price/Earnings Low	-37.07	-2.14	-3.86	43.65	4.5	25.16	28.45	26.8	12.5	14.8	11.03	16	11.32	9.69	29.09
Price/Book Value	2.68	6.01	-15.43	-25.72	7.53	6.86	7.01	6.49	4.62	3.3	2.03	2.24	1.92	1.75	2.13
Price/Book Value Average	2.55	8.74	-14.68	-23.85	6.62	6.66	5.95	6.43	5.01	3.48	2.02	2.25	1.83	1.52	1.86
Price/Book Value High	2.79	11.01	-19.22	-27.35	7.72	7.39	7.15	7.19	5.76	4.05	3.07	2.68	2.06	1.83	2.34
Price/Book Value Low	2.23	5.73	-10.92	-20.19	5.75	6.01	5.38	5.55	4.29	2.8	1.56	1.78	1.65	1.22	1.61
Price/Tangible Book Value	0.84	0.56	0.87	1.06	1.12	1.18	1.36	1.43	1.39	1.17	0.76	0.95	0.91	0.84	1
Price/Tangible Book Value Average	0.8	0.81	0.83	0.98	0.98	1.15	1.16	1.42	1.51	1.23	0.76	0.95	0.87	0.73	0.87
Price/Tangible Book Value High	0.88	1.02	1.08	1.13	1.15	1.27	1.39	1.58	1.73	1.43	1.15	1.14	0.97	0.88	1.1
Price/Tangible Book Value Low	0.7	0.53	0.62	0.83	0.85	1.03	1.05	1.22	1.29	0.99	0.58	0.75	0.78	0.59	0.76
Price/Sales	3.23	1.53	2.29	3.39	4.5	4.7	5.18	4.99	3.9	3.49	2.57	3.02	2.43	2.29	2.89
Price/Sales Average	3.08	2.23	2.18	3.14	3.96	4.56	4.41	4.95	4.22	3.68	2.56	3.03	2.32	1.99	2.52
Price/Sales High	3.37	2.81	2.86	3.61	4.62	5.07	5.29	5.53	4.85	4.28	3.89	3.62	2.6	2.4	3.18
Price/Sales Low	2.69	1.46	1.62	2.66	3.44	4.12	3.98	4.27	3.62	2.96	1.97	2.4	2.09	1.6	2.18
Price/Cash Flow	7.71	5.46	8.69	18.75	13.41	16.73	14.67	12.4	12.59	9.52	9.76	19.2	14.86	14.12	20.72
Price/Cash Flow Average	7.34	7.94	8.27	17.39	11.8	16.25	12.47	12.3	13.64	10.04	9.7	19.31	14.2	12.26	18.09
Price/Cash Flow High	8.03	10	10.83	19.94	13.76	18.04	14.97	13.74	15.69	11.69	14.76	23.02	15.91	14.81	22.8
Price/Cash Flow Low	6.42	5.2	6.15	14.72	10.24	14.67	11.27	10.61	11.69	8.08	7.48	15.26	12.79	9.87	15.66
Price/Free Cash Flow Average	7.04	7.1	7.27	17.38	11.07	15.68	12.34	11.71	12.65	9.68	8.45	14.85	11.74	10.19	14.17
Price/Free Cash Flow High	7.7	8.94	9.52	19.93	12.92	17.41	14.81	13.09	14.55	11.27	12.85	17.7	13.15	12.31	17.85
Price/Free Cash Flow Low	6.15	4.65	5.41	14.71	9.62	14.15	11.15	10.11	10.85	7.79	6.51	11.74	10.58	8.2	12.27
EV/Sales Average	- -	0.57	- -	0.17	3.27	4.66	3.56	3.76	3.07	0.42	- -	- -	1.49	- -	1.04
EV/Sales High	0.05	1.15	- -	0.63	3.93	5.16	4.44	4.35	3.7	1.02	- -	- -	1.77	0.04	1.7
EV/Sales Low	- -	- -	- -	- -	2.75	4.21	3.13	3.09	2.46	- -	- -	- -	1.26	- -	0.7
EV/EBITDA Average	-2.22	6.28	-24.02	1.74	38.37	56.44	43.2	48.4	113.02	13.87	-203.42	-158.1	67.2	-32.63	347.06
EV/EBITDA High	0.42	12.61	-16.11	6.51	46.09	62.55	53.93	55.89	136.41	33.92	-165.28	-144.19	79.79	-17.35	565.49
EV/EBITDA Low	-5.74	-2.1	-30.57	-3.25	32.25	51.05	38.04	39.7	90.85	-9.96	-220.21	-173.27	56.82	-46.92	234.59
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	9.75	5.52	7.42	9.16	11.86	12.63	14.82	15.34	14.95	13.08	8.78	10.67	10.53	10.26	12.7
High Price	10.16	10.11	9.24	9.74	12.17	13.62	15.12	17	18.62	16.06	13.28	12.79	11.27	10.76	13.97
Enterprise Value Average	-14	41	-132	9	174	247	191	213	205	24	-364	-328	85	-50	57
Enterprise Value High	3	82	-89	34	209	273	238	246	247	60	-296	-299	101	-27	92
Enterprise Value Low	-37	-14	-168	-17	146	223	168	174	165	-18	-394	-359	72	-72	38

	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Shares Outstanding	21	21	21	21	21	20	19	18	16	15	15	13	13	12	12
Diluted Weighted Avg Shares	20	20	20	20	20	20	19	18	17	16	15	14	13	13	12
Basic Weighted Avg Shares	20	20	20	20	20	20	19	18	17	16	15	14	13	13	12
Revenue per Share	3.02	3.6	3.23	2.7	2.63	2.69	2.86	3.07	3.84	3.75	3.41	3.54	4.33	4.48	4.4
EBITDA per Share	0.33	0.33	0.28	0.26	0.22	0.22	0.24	0.24	0.1	0.11	0.12	0.15	0.1	0.12	0.01
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	-0.22	-2.46	-1.36	0.16	2.01	0.44	0.4	0.49	1.11	0.75	0.61	0.53	0.8	0.74	0.33
Basic EPS from Cont Ops	-0.22	-2.46	-1.36	0.16	2.01	0.44	0.4	0.49	1.11	0.75	0.61	0.53	0.8	0.74	0.33
Diluted EPS, GAAP	-0.22	-2.46	-1.36	0.16	2.01	0.44	0.39	0.49	1.11	0.75	0.61	0.53	0.8	0.74	0.33
Diluted EPS from Cont Ops	-0.22	-2.46	-1.36	0.16	2.01	0.44	0.39	0.49	1.11	0.75	0.61	0.53	0.8	0.74	0.33
Dividend per Share	0.3	0.23	0.03	0.04	0.08	0.21	0.22	0.28	0.37	0.4	0.4	0.4	0.4	0.4	0.4
Cash Flow per Share	1.27	1.01	0.85	0.49	0.88	0.75	1.01	1.24	1.19	1.37	0.9	0.56	0.71	0.73	0.61
Free Cash Flow per Basic Share	1.21	0.89	0.74	0.49	0.83	0.73	0.97	1.18	1.09	1.32	0.77	0.39	0.56	0.58	0.44
Cash & Equivalents per Share	11.23	6.11	13.83	8.04	8.96	8.83	10.87	12.03	10.7	16.1	35.11	42.05	21.13	28.46	33.61
Book Value per Share	3.64	0.92	-0.48	-0.36	1.58	1.84	2.12	2.36	3.23	3.97	4.32	4.77	5.48	5.87	5.97
Tangible Book Value per Share	11.6	9.92	8.52	8.65	10.62	10.71	10.88	10.74	10.73	11.2	11.51	11.26	11.56	12.24	12.67

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Per Share Data Items (USD)