BFIN Stock Analysis: Buy, Sell, or Hold?
BFIN - BankFinancial Corporation
$12.00
-0.13 (-1.07%)
▼
5d:
-3.07%
30d:
+0.93%
90d:
-0.17%
BUY
MODERATE Confidence
Analysis Updated: Dec 31, 2025 12:00 AM ET
Earnings: May 08, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: BFIN shows positive signals but monitor for confirmation. Market pricing in 0.5% decline. Moderate conviction.
💡 BUY OPPORTUNITY: BFIN shows positive signals but monitor for confirmation. Market pricing in 0.5% decline. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$20.35
Based on 11.0% avg growth
INTRINSIC VALUE TODAY
$12.64
5.1% Margin of Safety
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 15.4x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: BFIN is currently trading at $12.00, which is considered fair based on recent price action. The stock's valuation (Forward PE: 15.2) is in line with its historical norms (15.4). Remarkably, the market is currently pricing in an annual earnings decline of 0.5% over the next few years. This pessimistic expectation contrasts with the company's recent 18.4% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, BFIN is showing sideways momentum. The price is currently testing key support at $11.98. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, BFIN is showing sideways momentum. The price is currently testing key support at $11.98. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Company Quality Score
53/100
(HOLD)
Volume Confirmation
UNKNOWN
Confidence Score
62.9%
All Signals
- NEUTRAL: Price in fair range
- NEUTRAL: Mixed technical signals (40/100)
- NEUTRAL: Near Wall St target ($11.50)
Support & Resistance Levels
Support Level
$11.98
Resistance Level
$12.96
Current Trend
Sideways
Technical data as of
Dec 31, 2025
Fundamental Context
Forward P/E (Next Year Est.)
15.19
Wall Street Target
$11.50
(-4.2%)
Revenue Growth (YoY)
7.5%
Earnings Growth (YoY)
18.4%
Profit Margin
5.0%
Valuation Discount vs History
-0.5% cheaper
PE vs Historical
15.2 vs 15.4
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.5%
(market-implied from PE analysis)
1-Year Target
$10.80
(-10%)
2-Year Target
$9.72
(-19%)
3-Year Target
$8.75
(-27%)
3-Yr Target (if PE normalizes)
(PE: 15→15)
$8.87
(-26%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 15.2, Growth: 17.9%)
$19.67
(+64%)
Base:
(SPY PE: 22.5, Growth: 17.9%)
$29.13
(+143%)
Bear:
(PE: 15.4, Growth: 17.9%)
$19.94
(+66%)
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 15.2 to 15.4
Stabilization Target:
$12.17
(+1.4%)
PE Expansion Potential:
+1.4%
Share & Embed Analysis
Last updated: April 01, 2026 12:09 AM ET
Data refreshes hourly during market hours. Next update: 1:09 AM
Data refreshes hourly during market hours. Next update: 1:09 AM
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Technical Signals Check
Is BFIN showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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