BFIN Stock Analysis: Buy, Sell, or Hold?
BFIN - BankFinancial Corporation
$12.00
-0.13 (-1.07%)
▼
BUY
HIGH Confidence
Last Updated: December 31, 2025
Earnings: Jan 28, 2026
0d
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Interactive Price Chart (1 Month)
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Bottom Line:
✅ BUY SIGNAL: BFIN shows strong fundamentals and good volume confirmation. Solid entry point despite oversold pricing.
✅ BUY SIGNAL: BFIN shows strong fundamentals and good volume confirmation. Solid entry point despite oversold pricing.
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 oversold relative to its 30-day fair value range of $12.07 to $12.33. 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. In the options market, Implied Volatility is low (3th percentile), suggesting options premiums are relatively cheap. This makes it an attractive time for long options strategies if you have a directional bias. 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. In the options market, Implied Volatility is low (3th percentile), suggesting options premiums are relatively cheap. This makes it an attractive time for long options strategies if you have a directional bias. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
OVERSOLD
Fair Price Range
$12.07 -
$12.33
Company Quality Score
53/100
(HOLD)
Options IV Signal
3th percentile
(LOW)
Volume Confirmation
HIGH
Confidence Score
79.6%
All Signals
- BULLISH: Price oversold vs 30-day range
- BULLISH: Options cheap (IV 3th percentile)
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($11.50)
Fair Price Analysis
30-Day Fair Range
$12.07 -
$12.33
Current vs Fair Value
OVERSOLD
Expected Move (7 Days)
±$0.49
(4.1%)
Support & Resistance Levels
Support Level
$11.98
Resistance Level
$12.96
Current Trend
Sideways
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%
Last updated: February 01, 2026 12:55 AM ET
Data refreshes hourly during market hours. Next update: 1:55 AM
Data refreshes hourly during market hours. Next update: 1:55 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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Advanced BFIN Option Strategies
Professional options setups generated by AI based on today's BFIN price and gamma walls.
