BankFinancial Corporation(BFIN)
Stock quote, options chain, IV rank, technicals, AI analysis, and institutional ownership.
Market data may be delayed, incomplete, or inaccurate. Not a recommendation to buy, sell, or hold any security. Verify quotes with your broker before trading. See Terms §17.
Snapshot
$12.00
- 52-Week Range
- $10.69 – $13.01
- YTD
- +0.00%
- IV Rank (30D)
- 7.81
- Straddle Price
- $0.00
- P/C Vol Ratio
- 0.25
- Market Cap
- $0.1B
Fair Value
-41.2% vs price
A blended fair-value estimate combining up to six valuation methods. Each method is weighted by how well it fits the company — DCF down-weights for unprofitable names; DDM only fires for steady dividend payers; comparables down-weight when peer multiples disagree.
- DCF (quality-aware) — projects free cash flow with a horizon that scales to business quality. True compounders (quality 6/6) get 10 years explicit + 10 years fade before terminal; cyclical/struggling names (quality 0-1) get a 5-year terminal cliff. Quality is scored from ROE, gross margin, growth, FCF margin, debt load, and FCF consistency — the same factors that drive market premium for compounders.
- Market-Implied Growth (in Model Inputs) — reverse-DCF that answers "what growth rate is the market pricing in?". Lets you sanity-check the deviation: if implied growth is plausible for the business, the model's bearish flag may be wrong; if implausible, the market may be over-extrapolating.
- DDM (Gordon Growth Dividend Model) — values the stream of future dividends. Only used when trailing yield ≥ 0.5% and dividend payments are stable.
- P/E, EV/EBITDA, P/B, P/S — applies the peer-group median multiple to this company's per-share metric. Peers come from the same set as the "Related symbols" card. Earnings/sales metrics are forward-tilted by the company's recent revenue growth (capped at 25%) so they're comparable to peers' growth-embedded multiples — mimics how analysts use NTM rather than TTM. Per-multiple weights are biased by company quality (e.g. P/B down-weighted for asset-light tech).
- Market Anchor (SMA50) — the 50-day moving average, weighted by recent trading-range stability (tighter Bollinger bands → higher weight). Captures information fundamentals miss (forward consensus, sentiment, supply/demand) — but only when recent trading is steady enough that the market has converged on a view. During wild breakouts or breakdowns the anchor's weight collapses.
- Options Expected (B-L 30d) — the risk-neutral expected stock price at 30-day options expiration, derived from the full implied-volatility surface via Breeden-Litzenberger (second derivative of call price wrt strike → implied PDF, then E[S_T]). Forward-looking, captures all options-implied information (smile, skew, term structure) in one number. Weighted by chain liquidity. SP500-only at present (pre-computed daily). Backtest evidence: adds modest alpha across most bucket × holding combos.
- Blended value — weighted average. Confidence reflects how many methods fired and how tight peer dispersion is.
- Deviation pill — green when blended FV ≥ 10% above current price (undervalued); red when ≥ 10% below; grey otherwise.
| 10-yr Treasury (rf) | 4.00% |
| Beta vs SPY | 1.00 |
| Cost of Equity (CAPM) | 9.50% (VRP-adj) |
| WACC | 8.94% |
| Volatility Risk Premium | +102.5pp (IV − HV30), ERP adj +50bps |
| Effective Tax Rate | 21.0% |
| Rev. Growth (YoY, DCF input) | +0.8% |
| DCF Horizon | 10 years explicit + fade |
| Forward Tilt (NTM/TTM) | ×1.01 (applied to P/E, EV/EBITDA, P/S) |
| Free Cash Flow (TTM) | $0.0B |
| Return on Equity (TTM) | 1.5% |
| Book / Price | 105.2% — banking bias active (P/B is primary) |
| Gross Margin (TTM) | 72.8% |
| FCF Margin (TTM) | 2.7% |
| Debt / Equity | 0.12 |
| Quality Score | 2/6 — normal (10y DCF) |
| SMA 50 | $11.95 (Market Anchor value) |
| SMA 20 / Bollinger Mid | $12.21 |
| Bollinger Width / SMA20 | 73.9% (drives anchor stability) |
| Net Debt | $0.0B |
| Market Cap | $0B |
Blended Fair Value
$7.06
Current Price
$12.00
Deviation
-41.2%
| Method | Implied Price | Weight | Detail |
|---|---|---|---|
| DCF | $2.16 | 19% | |
| DDM (Gordon) | $2.33 | 31% | |
| Peer P/E | n/a | 0% | |
| Peer EV/EBITDA | n/a | 0% | |
| Peer P/B | n/a | 0% | |
| Peer P/S | n/a | 0% | |
| Market Anchor (SMA50) | $11.95 | 50% | stability 64% (BB-width) |
| Options Expected (B-L 30d) | n/a | 0% |
As of 2026-06-01 · updated 2026-06-01 09:30:51.958000
Info
- Industry (SIC)
- SAVINGS INSTITUTION, FEDERALLY CHARTERED (6035)
- Exchange
- XNAS
- Market Cap
- $0.1B
BankFinancial Corp is a full-service, national bank providing banking, financial planning and fiduciary services to individuals, families and businesses in the Chicago metropolitan area and on a regional or national basis for commercial finance, healthcare finance, equipment finance, commercial real estate finance and treasury management business customers. The Bank offers its customers a broad range of loan, deposit, trust and other financial products and services through approximately 18 full-service banking offices located in Cook, DuPage, Lake and Will Counties, Illinois and through its In…
Price History
Seasonality
| Month | Avg Return | Years of Data |
|---|---|---|
| Jan | +1.65% | 5 |
| Feb | +0.01% | 5 |
| Mar | -3.34% | 6 |
| Apr | -3.56% | 5 |
| May | -1.79% | 5 |
| Jun | +0.41% | 5 |
| Jul | +4.52% | 5 |
| Aug | +0.23% | 5 |
| Sep | -0.79% | 5 |
| Oct | -0.21% | 5 |
| Nov | +1.73% | 5 |
| Dec | +3.37% | 5 |
Technical Indicators
Quick-reference for reading the values below. Indicators combine to confirm a view — no single one is a trade signal on its own.
Trend Indicators
- SMA 20 / 50 / 200 — price above = uptrend, below = downtrend. SMA 50 crossing SMA 200 is the golden/death cross.
- EMA 12 / 26 — faster-reacting averages; 12 above 26 is short-term bullish.
- MACD — bullish when MACD > signal (green badge), bearish when below. Divergence from price often precedes reversals.
- ADX (14) — trend strength regardless of direction. <20 range, 20–25 weak trend, 25–50 trend, >50 strong trend.
- +DI / −DI — +DI > −DI favors bulls; the reverse favors bears. Read alongside ADX.
Momentum Oscillators
- RSI (14) — <30 oversold, >70 overbought. 40–60 is neutral; trending names can stay extreme.
- Stochastic %K / %D — <20 oversold, >80 overbought. %K crossing %D is an early momentum signal.
- Williams %R — inverted scale: <−80 oversold, >−20 overbought.
Oscillators work best in range-bound markets; in strong trends they give premature reversal signals.
Volume & Volatility
- Bollinger Bands — price at upper band = overbought, lower = oversold. Narrow bands (squeeze) often precede expansion.
- OBV — cumulative volume; rising OBV confirms uptrend, falling OBV confirms downtrend. Divergence from price is a warning.
- Vol SMA 20 / Vol ROC — today's volume vs. 20-day average. Positive ROC with price move = conviction.
- ATR / True Range — average daily $ move; sizing and stop-loss reference.
- HV 20 / 30 / 60 — realized (historical) volatility. Compare to IV on the options cards: IV > HV = rich premium.
Confluence matters: trend + momentum + volume agreeing carries far more weight than any single indicator. For how these feed the spread scanner score, see the algorithm docs →
Trend Indicators
SMA 20: $12.21
SMA 50: $11.95
SMA 200: $11.88
Current: $12.00
EMA 12: $12.06
EMA 26: $12.10
MACD: -0.0434 | Signal: -0.0422
BEARISH
ADX (14): 23.03
WEAK TREND
+DI: 19.16
−DI: 28.61
Momentum Oscillators
RSI (14): 42.53
NEUTRAL
Stoch %K: 4.57
Stoch %D: 3.77
Williams %R: -95.00
Volume & Volatility
BB Upper: $12.76
BB Lower: $11.66
NEUTRAL
OBV: -640,991
Vol SMA 20: 20,456
Vol ROC: -100.00%
ATR: $0.10
True Range: $0.00
HV 20: 7.7%
HV 30: 15.4%
HV 60: 19.1%
Data Summary
Data Points: 500
Last Updated: 2026-06-12T21:15:09.847000
Date Range: 2024-01-19T00:00:00 – 2026-03-16T00:00:00
AI Analysis
Choose Frenzy-Fast™ for quick analysis or Frenzy-Pro™ for comprehensive analysis.
Analysis includes technical indicators, news sentiment, risk assessment, and specific price levels to watch.
News
Earnings History
2 of 2 under expected move
| Earnings Date | Timing | Expected Move | Actual Move | Ratio | Outcome |
|---|---|---|---|---|---|
| 2024-11-05 | After-Close | 45.85% | 0.58% | 0.01x | Within |
| 2025-02-03 | After-Close | 55.35% | 3.29% | 0.06x | Within |
Options Activity
- IV Rank (30D)
- 7.81
- IV Rank (7D)
- 7.81
- Avg IV
- 138.9%
- Straddle (30D)
- $0.00
- Straddle (7D)
- $0.00
- P/C Volume
- 0.25
Spread Scanner GPU
Each spread is ranked by a composite score built in three stages. Full documentation →
Stage 1 — Base Score (GPU scanner)
score = P(profit) × (credit / spread_width)
P(profit) from short leg delta (1 − |delta|), penalised above 85%. Credit uses mid-price to handle illiquid chains fairly.
Stage 2 — Skew Adjustment (±25% cap)
RR25 and BF25 from the live options chain. Put skew boosts bull puts, penalises bear calls. High butterfly boosts iron condors. Calendars are skew-neutral.
Stage 3 — Technical Overlay (±50% cap, 5 groups)
Group 1 · Directional Bias (±0.25)
- RSI <40 bullish / >60 bearish
- MACD crossover + histogram trend
- Price vs SMA 50 & SMA 200
Group 2 · Momentum (±0.10)
- Stochastic %K <20 / >80
- Williams %R <−80 / >−20
Group 3 · Volatility (up to −0.25 / +0.15)
- Blended ATR + straddle expected-move penalty
- Bollinger Band signal (+ counter-trend penalty)
- BB width — vol contraction boost for ICs
Group 4 · IV Regime (±0.15)
- IV rank ≥ 75 → strong boost for credit spreads
- IV rank < 25 → penalty (selling cheap vol)
Group 5 · Liquidity (penalty up to −0.10)
- Min open interest across all legs
- OI < 100 → −0.10 · OI < 500 → −0.05
score = base_score × skew_multiplier × tech_multiplier
Both multipliers are shown per spread. Beta is informational only — ATR already captures realized vol. Full algorithm documentation →
Enter a ticker to scan for optimal spread opportunities.
Evaluates all bull put, bear call, iron condor, and calendar spread combinations using GPU-accelerated analysis.
Volatility Surface
Enter a ticker to render the implied volatility surface.
IV Rank (7 DTE)
IV Rank (30 DTE)
Straddle Price (30 DTE)
Beta Analysis
- Beta (1Y vs SPY)
- 0.80
- Correlation (SPY)
- 35.5%
- R²
- 0.13
- Ann. Volatility
- 25.1%
- SPY Volatility
- 11.1%
Moderate volatility - stock generally follows market
Beta & Alpha Over Time
Institutional Ownership (13F)
Institutional managers with $100M+ AUM file Form 13F-HR quarterly, due 45 days after quarter end. Holdings are reported gross at quarter-end market value — they are a snapshot, not a real-time position.
- Shares — long equity positions in this name, aggregated across share classes.
- Calls / Puts — notional value of long call / put exposure where this ticker is the underlying.
- % of Float — holder's reported shares divided by the latest diluted shares outstanding. Sums above 100% indicate large custodian / prime broker positions where the same shares are reported by multiple filers.
- Custodian badge — filers with more than 5,000 holdings are typically broker-dealers / custodians reporting customer-held shares, not active managers.
Each filer is counted once at its latest 13F-HR filing. New filings are ingested on a weekly cadence.
| # | Filer | Notional Value | % of Total | Period |
|---|
| # | Filer | Notional Value | % of Total | Period |
|---|
Insider Activity
Latest: 2024-02-12
Form 4 filings — insider beneficial-ownership changes by officers, directors, and 10%+ holders. Filed within 2 business days of transaction.
| Filed | Reporter | Role | Action | Shares | Avg Price | Net $ | Link |
|---|---|---|---|---|---|---|---|
| 2024-02-12 | Aaron J O'Connor | Director | Buy (P) | +1,000 | $10.38 | $10.4K | EDGAR |
| 2023-05-11 | Aaron J O'Connor | Buy (P) | +500 | $7.42 | $3.7K | EDGAR | |
| 2023-02-24 | Aaron J O'Connor | Buy (P) | +1,000 | $10.32 | $10.3K | EDGAR | |
| 2021-06-25 | Debra Zukonik | Director | Buy (P) | +3,650 | $10.85 | $39.6K | EDGAR |
| 2020-12-10 | Glen Wherfel | Director | Buy (P) | +25,000 | $8.70 | $217.4K | EDGAR |
| 2020-06-29 | John G Manos | President - Affiliate | Buy (P) | +6,600 | $8.02 | $53.0K | EDGAR |
| 2020-05-28 | THOMAS F ONEILL | Director | Buy (P) | +900 | $8.60 | $7.7K | EDGAR |
| 2019-08-08 | THOMAS F ONEILL | Director | Sell (S) | −3,000 | $12.19 | -$36.6K | EDGAR |
| 2019-03-01 | JOHN W PALMER | Director | Disp (D) | −700,000 | $15.36 | -$10.75M | EDGAR |
| 2018-06-25 | John M Hausmann | Director | Sell (S) | −20 | $18.32 | -$366 | EDGAR |
| 2018-06-21 | ELIZABETH A DOOLAN | SVP & Principal Accg. Officer | I | −7,915 | $17.99 | -$142.4K | EDGAR |
| 2018-06-07 | ELIZABETH A DOOLAN | SVP & Principal Accg. Officer | I | −6,284 | $18.05 | -$113.4K | EDGAR |
| 2018-06-05 | ELIZABETH A DOOLAN | SVP & Principal Accg. Officer | I | −4,727 | $17.93 | -$84.8K | EDGAR |
| 2018-05-29 | James J Brennan | EVP and Corporate Secretary | Sell (S) | −10,000 | $18.00 | -$180.0K | EDGAR |
| 2018-05-22 | William J. Jr. Deutsch | President - Affiliate | Sell (S) | −9,223 | $17.67 | -$163.0K | EDGAR |
Codes: P = open-market purchase · S = open-market sale · A = grant/award · M = option exercise · F = tax withholding at vest · G = bona-fide gift · D = disposition to issuer · J = other (described in filing footnote — typically 401(k), trust, inheritance) · W = will/inheritance. Only P / S codes carry directional signal.
Insider Holdings
23 insiders · @ $12.00
Officers, directors, and 10%+ owners ranked by current disclosed exposure (shares × today's price). Shares are direct + indirect (via trusts / LLCs / spouse). Excludes unvested RSU and option grants — those aren't beneficially owned until vest.
| # | Insider | Role | Shares | Disclosed Exposure | Lifetime OM Net | Filings | Last Filed |
|---|---|---|---|---|---|---|---|
| 1 | F Morgan Gasior | Chairman, CEO & President | 207,037 | $2.48M | -$1.00M | 18 | 2018-05-17 |
| 2 | Robert OShaughnessy | EVP and Chief Credit Officer | 129,086 | $1.55M | $0 | 1 | 2008-02-28 |
| 3 | Paul A Cloutier | EVP & Chief Financial Officer | 84,877 | $1.02M | -$824.3K | 18 | 2017-06-27 |
| 4 | Glen Wherfel | Director | 72,458 | $869.5K | $325.2K | 11 | 2020-12-10 |
| 5 | John M Hausmann | Director | 69,048 | $828.6K | -$79.0K | 7 | 2018-06-25 |
| 6 | John G Manos | President - Affiliate | 59,998 | $720.0K | -$586.8K | 16 | 2020-06-29 |
| 7 | ELIZABETH A DOOLAN | SVP & Principal Accg. Officer | 59,053 | $708.6K | $0 | 11 | 2018-06-21 |
| 8 | Terry R Wells | Director | 56,384 | $676.6K | -$98.9K | 7 | 2018-03-13 |
| 9 | William J. Jr. Deutsch | President - Affiliate | 54,779 | $657.4K | -$163.0K | 9 | 2018-05-22 |
| 10 | Joseph A Schudt | Director | 53,809 | $645.7K | -$106.5K | 9 | 2017-02-28 |
| 11 | SHERWIN KOOPMANS | Director | 48,000 | $576.0K | $0 | 3 | 2012-06-29 |
| 12 | Cassandra J Francis | Director | 40,444 | $485.3K | $24.0K | 9 | 2017-05-05 |
| 13 | Gregg T Adams | President - Affiliate | 39,873 | $478.5K | -$58.3K | 6 | 2017-03-01 |
| 14 | James J Brennan | EVP and Corporate Secretary | 35,300 | $423.6K | -$1.04M | 15 | 2018-05-29 |
| 15 | CHRISTA N CALABRESE | Regional President - Affiliate | 32,509 | $390.1K | $0 | 2 | 2011-09-06 |
| 16 | Patricia Smith | EVP | 32,323 | $387.9K | -$114.5K | 6 | 2017-05-02 |
| 17 | Thad F Stewart | EVP & Chief Internal Auditor | 31,980 | $383.8K | -$31.2K | 8 | 2017-02-15 |
| 18 | Mark W Collins | EVP of Affiliate | 18,554 | $222.7K | $20.2K | 1 | 2007-05-21 |
| 19 | Donald F Stelter | EVP of Affiliate | 17,390 | $208.7K | -$15.1K | 1 | 2009-01-09 |
| 20 | JOHN W PALMER | Director | 9,360 | $112.3K | $0 | 3 | 2019-03-01 |
| 21 | THOMAS F ONEILL | Director | 5,060 | $60.7K | -$28.0K | 5 | 2020-05-28 |
| 22 | Aaron J O'Connor | Director | 4,153 | $49.8K | $24.4K | 3 | 2024-02-12 |
| 23 | Debra Zukonik | Director | 3,650 | $43.8K | $39.6K | 1 | 2021-06-25 |
Lifetime OM Net = signed sum of open-market buys (P) and sells (S) over their career; excludes grants, tax withholdings, and dispositions to issuer. A large negative number is normal for long-tenured executives — they've sold compensation grants over many years.
ETF Holders
| # | ETF | Provider | Weight | $ Exposure | ETF AUM | As Of |
|---|
Fundamentals
Quarterly filings sourced from SEC 10-Q / 10-K reports. TTM tiles aggregate the most recent four quarters; bars show the last ~12 quarters oldest → newest.
Metrics
- Revenue — top-line sales. Look for consistent YoY growth; seasonal businesses need same-quarter comparisons (Q4 '24 vs Q4 '23).
- Net Income — bottom-line profit after all expenses. Can be volatile from one-time items; red bars = net loss.
- Diluted EPS — net income per share assuming options/converts are exercised. Direct input to the P/E ratio.
- Operating Cash Flow — cash generated from core operations, before capex and financing. Harder to manipulate than net income; growing OCF is a quality signal.
How to read the bars
- Sequential growth — quarter-over-quarter trend. Accelerating bars are a momentum signal.
- YoY growth — compare to the same quarter a year earlier to remove seasonality.
- Quality — OCF should roughly track Net Income over time. Large divergence (net income ≫ OCF) flags accruals risk.
- Margins — scan the bar ratios: Net Income / Revenue tells you margin trend without needing a separate chart.
TTM (trailing-twelve-month) smooths seasonality and is used for the P/E calculation. Filings appear 30–90 days after the period closes.
| P/E Ratio | 63.2 |
| TTM Revenue | $0.1B |
| TTM Net Income | $0.0B |
| TTM EPS | $0.19 |