How does Trendshare evaluate BFIN as a worked example?

This example shows how we apply the Trendshare checklist to BFIN: earnings power, cash generation, valuation, and margin of safety. We look at business quality, free cash flow trends, price to earnings, and whether there is a reasonable margin of safety at the current price of 12.00.

BankFinancial Corporation Stock Price and Value Analysis

BankFinancial Corporation (NasdaqGS:BFIN) in our automated value investing analysis, with the cash flow history and price comparison below.

Key Facts

Ticker: BFIN (NasdaqGS)
Current price: $12.00
Sector: Financial Services
Industry: Savings & Loans

Advertisement helps keep Trendshare free for most readers.

Hold-time calculator

Estimate how long you need to hold BankFinancial Corporation to reach your target.

Target type Target price Target total return %

Current price

Expected annual return (compound annual growth rate, CAGR)

Margin of safety (%)

Target price (Trendshare FV)

Include dividend yield
N/A

BFIN Free Cash Flow Trend

Free Cash Flow trendline for BFIN — Free Cash Flow trendline for BankFinancial Corporation

CSV

Based on historical returns, we believe that BankFinancial Corporation can grow its free cash at a rate of about 1%. That's positive!

Advantages	Disadvantages	Neutral
This company has fluctuating growth. This company is solid. This stock is available at a great discount!	This company is making money at a modest rate.	This company pays no dividend.

Inside the BFIN Numbers

	BFIN Price (BankFinancial Corporation stock price per share)	$12.00
× PE Ratio Versus Sector The PE ratio measures the reported earnings of a company to its current stock price. While earnings are easy to manipulate on the balance sheet, this ratio gives you a sense of what buyers are willing to pay for the stock—what they believe it will do in the future. Comparing a stock's PE to the average PE of companies in its industry gives you a sense of market sentiment about the stock and how well it fares financially. It's not the only number, nor the most important, but comparing similar companies is valuable. A ratio far above or below that of its peers is significant. Industries are more specific than sectors, so companies within most industries are more similar than are companies within an industry. Be aware that the size and customers of companies are important to their prospects. Close ^[?]	PE Ratio versus Sector	376% higher than other Financial Services stocks
× PE Ratio Versus Industry The PE ratio measures the reported earnings of a company to its current stock price. While earnings are easy to manipulate on the balance sheet, this ratio gives you a sense of what buyers are willing to pay for the stock—what they believe it will do in the future. Comparing a stock's PE to the average PE of companies in its sector gives you a sense of market sentiment about the stock and how well it fares financially. It's not the only number, nor the most important, but comparing similar companies is valuable. A ratio far above or below that of its peers is significant. Be aware that sectors are very broad, with many types of companies in the same sector. Close ^[?]	PE Ratio versus Industry	0% lower than other Savings & Loans stocks
× Cash Yield The cash yield of a stock is the ratio of free cash per share—real dollars available after bringing in revenue and paying bills—to the current price of the stock. It's similar to the PE ratio, but it's less prone to manipulation through accounting practices. In general, the less you have to pay to make more money, the better. Close ^[?]	Cash Yield	9.96%
× Free Cash Flow Jitter The free cash flow jitter of a stock measures how much the company's free cash flow varies from its historical trend, on average. While it's always nice to make more money than you expected, a company with predictable free cash flow is stable and good. A company with wild swings in its free cash flow warrants further research. In general, the lower this number, the better. Close ^[?]	Free Cash Flow Jitter	33%

Insider Activity Summary

No open-market insider buys or sells are recorded for the last 12 months.

This stock has short interest! This means that people have shorted it.

Why does that matter? They've made a bet that price will decrease from where they bought it. Maybe there are financial problems, or maybe there's a value play.

As of the latest analysis, there are 336,626 shares shorted. With 8,540,923 shares available for purchase and an average trading volume over the past 10 trading days of 17,079, it would take at least 19.7 days for all of the short holders to cover their shorts.

What does this mean to you? At this volume, it'll take more than two trading weeks for shorts to cover. This may indicate a short squeeze play would work! If this stock has good fundamentals and it'll take a while for the short holders to cover, buying now could net you bigger short-term technical gains if and as the price rises.

Estimate Intrinsic Value (DCF)

Project future free cash flow and discount it back to today to compare market price vs intrinsic value. See how compound returns work over time.

📊 Intrinsic Value Calculator (DCF Method)

Calculate the present value of future cash flows to determine stock intrinsic value.

Annual Free Cash Flow ($):

Current or most recent year free cash flow (operating cash - capex)

Expected Annual Growth Rate (%):

Conservative estimate (3-7% for mature companies, 10-20% for growth)

Discount Rate (%):

Required rate of return (8-10% stable, 12-15% growth, 15%+ speculative)

Projection Period (Years):

Longer projections are less certain but may reveal more value

Terminal Value Multiple:

Exit multiple for terminal value (10-15x typical for mature companies)

Calculation Results

Total Intrinsic Value:

Discounted Cash Flows:

Terminal Value (PV):

Year	Future CF	Present Value

How to use this result: Compare the intrinsic value to the current stock price. If intrinsic value is significantly higher than market price (30-50% margin of safety), the stock may be undervalued. Remember, these are estimates based on your assumptions.

Learn to Evaluate BFIN

Learn how to evaluate stocks, understand expected returns, and build a value investing strategy.

See How Returns Compound →

Free Cash Flow by Fiscal Year

Each year names the SEC filer that reported it, so a change of filer shows up here.

Fiscal year	SEC filer (CIK)	Free cash flow (USD millions)
2009	1303942	11.2
2010	1303942	22.8
2011	1303942	17.8
2012	1303942	14.8
2013	1303942	8.0
2014	1303942	16.5
2015	1303942	13.6
2016	1303942	18.0
2017	1303942	22.0
2018	1303942	19.7
2019	1303942	20.4
2020	1303942	12.7
2021	1303942	7.1
2022	1303942	8.8
2023	1303942	9.1
2024	1303942	7.6

Download the yearly data as CSV.

Price Versus Our Estimated Value

Free cash flow was positive in all 16 fiscal years we have for BankFinancial Corporation under its current SEC filer.

Average free cash flow over the last three years of data was $8.5 million, and across the first three years it was $17.3 million; over the period it fell sharply.

Year-to-year variability in free cash flow is uneven, measured at 33%.

BankFinancial Corporation is priced at $12.00, under its safe value estimate of $17.36 (fair value: $26.70).

We do not have a dividend yield for BankFinancial Corporation.

Our value investing guide explains how to test these numbers against the filings themselves.

Compared With Its Sector and Industry

Its trailing P/E ratio is 376% above the average for stocks in the Financial Services sector.

Its trailing P/E ratio is in line with the average for stocks in the Savings & Loans industry.

A P/E ratio depends on trailing earnings, which one-time items can distort, so a lower P/E is not by itself evidence of value.

SEC Filer History

Every fiscal year on this page is reported by one SEC filer, CIK 1303942.

Each figure on this page comes from that filer.

Risks to This Analysis

These figures are automated calculations from SEC filings and the recent price. They may contain errors, and they do not reflect lawsuits, management changes, or other events the filings do not show.

Advertisement supports free stock analysis content.

Questions to Answer Before You Invest in BFIN

Does BankFinancial Corporation have a coherent story? Does it have a plan to continue to make money? Is it worth your time? Only you can decide where to go from here. Our investment guide helps you ask the right questions, including how to buy stocks. Use these research links for more information.

Step 1 — Snapshot
- Price: 12.00
- Market cap: $150M
- EPS: 0.19
Step 2 — Valuation checks
- P/E: 63.158
- FCF yield: 10.0%
- Date checked: Nov 12, 2026
Step 3 — Margin of safety
- Compare price to fair value and safety price.
- Look for durable cash generation and reasonable leverage.
- Decide if it passes your personal checklist.